Loan Comparison

Personal Loan Interest Rate - Compare 2026 Rates

Compare personal loan interest rate from all major banks in India. Personal loan interest rate varies from 9.99% to 18% depending on your profile. Understanding personal loan interest rate is crucial before you apply. We compare personal loan interest rate from HDFC, ICICI, SBI, Axis, and other banks to help you find the lowest personal loan interest rate.

EMI Calculator

Danish MirzaFounder, Unyfy14 years in Indian banking and fintech

Bank-wise Personal Loan Interest Rate 2025

Current personal loan interest rate from major banks. Personal loan interest rate depends on your CIBIL score, income, and employment.

SBI personal loan interest rate: 10.85% - 14.50%
HDFC Bank personal loan interest rate: 10.50% - 16.00%
ICICI Bank personal loan interest rate: 10.75% - 16.50%
Axis Bank personal loan interest rate: 10.49% - 16.00%
Kotak personal loan interest rate: 10.99% - 16.00%
Bajaj Finserv personal loan interest rate: 11.00% - 16.00%

How Personal Loan Interest Rate is Decided

Banks decide personal loan interest rate based on multiple factors. Understanding these helps you get the best personal loan interest rate.

CIBIL score 750+ gets lowest personal loan interest rate
Higher salary means lower personal loan interest rate
MNC employees get better personal loan interest rate
Existing bank customers get preferential personal loan rate

Personal Loan Low Interest - How to Get Best Rate

Getting personal loan low interest requires preparation. Follow these tips to secure personal loan low interest rates.

Maintain CIBIL above 750 for personal loan low interest
Apply through salary account bank for personal loan low interest
Compare multiple offers to find personal loan low interest
Choose shorter tenure for personal loan low interest

Personal Loan Interest Rate Calculator

Use our calculator to see how personal loan interest rate affects your EMI. Different personal loan interest rate means different monthly payments.

At 10% personal loan interest rate: ₹5L = ₹16,133 EMI
At 11% personal loan interest rate: ₹5L = ₹16,370 EMI
At 14% personal loan interest rate: ₹5L = ₹17,086 EMI
1% lower personal loan interest rate saves thousands

Get the best personal loan interest rate through Unyfy. We compare personal loan interest rate from 15+ banks to find you the lowest rate. Apply now for personal loan with interest rate starting at 9.99%.

Free Tool