Current Lowest Rates in Market
Banks offering the lowest personal loan rates (January 2025).
- IDFC First Bank: 10.49% onwards
- Axis Bank: 10.49% onwards
- HDFC Bank: 10.50% onwards
- SBI: 10.85% onwards
- Special rates through Unyfy: 9.97% onwards
How to Get the Lowest Rate
Steps to ensure you get the best possible rate.
- Maintain CIBIL score above 750
- Apply through aggregators like Unyfy for negotiated rates
- Have salary account with lending bank
- Apply for right amount (not too high, not too low)
- Show stable income and employment
What Affects Your Interest Rate?
Factors banks consider when deciding your rate.
- CIBIL Score (30% weightage)
- Income level (25% weightage)
- Employer category (20% weightage)
- Existing relationship (15% weightage)
- Loan amount and tenure (10% weightage)
Apply through Unyfy to access exclusive low-interest rates from multiple banks in one application.
Free Tool
Personal Loan EMI Calculator
Calculate your personal loan EMI instantly. Enter your loan amount, interest rate, and tenure to see your monthly payment and total interest.
₹
₹ Ten Lakh Only
₹1 Lakh₹2 Crore
%
8%20%
12 Months60 Months
Your Monthly EMI
₹32,385
for 36 months at 10.25% p.a.
Principal
₹10,00,000
Interest
₹1,65,860
Total Amount Payable
₹11,65,860
Principal (85.8%)
Interest (14.2%)
Our Partners
Partnered with India's Leading Banks & NBFCs
We work with the most trusted financial institutions to bring you the best loan offers.
Axis Bank
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50,000+
Happy Customers
₹500 Cr+
Loans Disbursed
4.8/5
Customer Rating