Personal loan interest rates in india

हेल्लो दोस्तों आज इस आर्टिकल में जानेगे Personal loan के इंटरेस्ट रेट के बारे में और सबसे काम Interest rates में आप को कौन सा बैंक लोन देगा साथ ही जानेगे किसी भी लोन के Emi कैसे चेक कर सकते है।

which bank has lowest interest rate on personal loan

जब भी आप किसी भी बैंक में Personal Loan के लिए अप्लाई करते है। तो आप को यह जरूर पता कर लेना चाहिए की वह बैंक आप को किस Interest Rate पर आप को लोन दे रहा है। निचे दिए गए लिस्ट में आप सभी बैंक के Interest Rate के बारे में देख सकते है। 

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Bank Name :- Bank of Baroda
Amount :- 1 Lakh to 20 Lakh
Interest Rate :- 10.60% to 17.95%
Processing Charges :- 1.00% of loan amount to 2.00% plus GST
 
Bank Name :- Bank of India
Amount :- 1 Lakh to 25 Lakh
Interest Rate :- 9.10% p.a to 13.25%
Processing Charges :- PPC For Individuals: One time @2.00% of Loan amount: Min. Rs. 1000/- to Max. Rs. 10000/
 
Bank Name :- Bank of Maharashtra
Amount :- 1 Lakh to 20 Lakh
Interest Rate :- Upto 9.25% p.a
Processing Charges :- Processing Fee 1.00% of the loan amount + GST
 
Bank Name :- Canara Bank
Amount :- Upto  10 Lakh
Interest Rate :- 10.30 % to 12.85 %
Processing Charges :- 0.5% of the loan amount subject to a minimum of Rs.1000/- and maximum of Rs.5000/-.
 
Amount :- Upto  10 Lakh
Interest Rate :- 9.85% p.a. to 10.05% p.a.
Processing Charges :- 1.00% of loan amount + GST
 
Bank Name :- Indian Bank
Amount :- Maximum loan amount is 20 times the gross monthly salary
Interest Rate :- Upto 12.15%
Processing Charges :- processing fee of 1% of the loan amount, subject to a maximum of Rs.100 when taking a loan
 
Amount :- Upto  5  Lakh
Interest Rate :- Upto 13.25%
Processing Charges :- 0.40% of the loan amount
 
Amount :- Maximum of 18 times the monthly salary or Rs.3  Lakh, or 1.5 times of the annual salary of the individual whichever is lesser.
Interest Rate :- 11.40% to 12.50%
Processing Charges :- Private Institute/ MNC : 1.00 % + GST
 
Amount :- Up to Rs.20  Lakh
Interest Rate :- 8.90% p.a. to 14.45% p.a.
Processing Charges :- Up to 1% of the loan amount
 
Bank Name :- State Bank of India
Amount :- 25000 to 20 Lakh
Interest Rate :- 9.60% p.a.- 15.65% p.a.
Processing Charges :- 1.5% of loan amount + tax
 
Bank Name :- UCO Bank
Amount :- Upto  15lacs
Interest Rate :- UCO Float Rate + 3.40% i.e., 9.15% + 3.40% presently 12.55 % p.a
Processing Charges :- 1% of loan amount (minimum Rs.750/-)
 
Bank Name :- Union Bank of India
Amount :- Upto  15lacs
Interest Rate :- Upto 12.30%
Processing Charges :- Up to 1% (Maximum Rs 7,500)
 
Bank Name :- Axis Bank
Amount :- 50,000 up to Rs. 40  Lakh
Interest Rate :- 12% to 21%
Processing Charges :- At the discretion of the bank
 
Bank Name :- Bandhan Bank
Amount :- 50000 to 2500000
Interest Rate :- Upto 10.25% p.a.to 20%
Processing Charges :- 1% of Loan Amount
 
Bank Name :- CSB Bank
Amount :-  10 times of gross monthly salary subject to upper ceiling fixed by the bank from time to time. 2. Total deductions towards loan repayment including the instalments of the proposed loan should not exceed 50% of gross salary.
Interest Rate :- 12.00% to 19.00% p.a
Processing Charges :- Nil – For Loan Up to Rs.25,000 1% of loan amount(Min. Rs.250) – For Loan Amount above Rs. 25,000
 
Bank Name :- City Union Bank
Amount :-  Upto 5 Lakh
Interest Rate :- 9.75% p.a. – 12.50% p.a.
Processing Charges :- Processing Charge 0.50%
 
Bank Name :- DCB Bank
Amount :-  Upto 5 Lakh
Interest Rate :- 9.99% per annum
Processing Charges :- 2-3% of the loan amount
 
Bank Name :- Dhanlaxmi Bank
Amount :-  1 Lakh to 15 Lakh
Interest Rate :- 12.40% to 15.80%
Processing Charges :- Up to 2.5% per annum
 
Bank Name :- Federal Bank
Amount :-  Upto  25 Lakh
Interest Rate :- 10.49% to 17.99%
Processing Charges :- Up to 3%
 
Bank Name :- HDFC Bank
Amount :-  Upto  40 Lakh
Interest Rate :- 11.00% to 21.00%
Processing Charges :- Processing Charges  Up to Rs 4999/- 
 
Bank Name :- ICICI Bank
Amount :-  Upto  20 Lakh
Interest Rate :- 10.75% to 19% per annum
Processing Charges :- Upto 2.50% of loan amount plus Applicable taxes 
 
Bank Name :- IDBI Bank
Amount :-  Upto  5  Lakh
Interest Rate :- 36% Per annum
Processing Charges :- 1 % of the loan amount subject to minimum Rs.2500/- plus applicable taxes.
 
Bank Name :- IDFC First Bank
Amount :-  Upto  1 Cr.
Interest Rate :- 12.5% to 18% p.a.
Processing Charges :- Upto 3.5% of Loan Amount
 
Bank Name :- IndusInd Bank
Amount :-  Upto  50 Lacs
Interest Rate :- Upto 10.25% to 15.79%.
Processing Charges :- processing fee of up to 3% of the loan amount 
 
Amount :-  Upto  20 Lakh
Interest Rate :- 12.00%-13.00% p.a.
Processing Charges :- Up to 1% loan amount subject to maximum of Rs 10,000+GST For Pensioners: NIL
 
Bank Name :- Karnataka Bank
Amount :-  Upto  5 Lakh
Interest Rate :- Upto 13.15% p.a.
Processing Charges :- 0.50% of the loan amount (minimum of Rs.250)
 
Bank Name :- Karur Vysya Bank
Amount :-  Upto  10 Lakh
Interest Rate :- 12.20 to 13.20%
Processing Charges :- 1.50% of the loan requested amount.
 
Bank Name :- Kotak Mahindra Bank
Amount :-  Upto  40 Lakh
Interest Rate :- 10.99% p.a. to 12.75%
Processing Charges :- Up to 3% of the final loan amount plus applicable taxes
 
Bank Name :- Nainital Bank
Amount :-  Upto  5 Lakh
Interest Rate :- 11.95% p.a. to 12.20% p.a.
Processing Charges :- Up to Rs.1,500
 
Bank Name :- RBL Bank
Amount :-  Upto  20 Lakh
Interest Rate :- 14% p.a. – 23% p.a.
Processing Charges :- 4% of the loan amount
 
Bank Name :- South Indian Bank
Amount :-  Upto  Upto  20 Lakh
Interest Rate :- Upto 6.35% to 14.10%
Processing Charges :- Up to 2% of the loan amount.
 
Amount :-  Upto  5 Lakh
Interest Rate :- 13.40% to 15.50%
Processing Charges :- 1% of the Loan amount plus applicable taxes
 
Bank Name :- Yes Bank
Amount :-  Upto  50 Lakh
Interest Rate :- 10.49% to 19%
Processing Charges :- Upto 2% on loan amount

personal loan calculator

ऊपर दिए गए Interest Rate लिस्ट बैंक के official साईट से लिया गया है। Rate में थोड़ा ऊपर निचे देखने को मिल सकता है। कियुकी कोई भी बैंक इंटरेस्ट रेट को आपके CBIL से ही प्रोवाइड करता है। 

ऊपर दिए गए सभी बैंक में आप बड़े ही आसानी से Loan के लिए अप्लाई कर सकते है। और सबसे कम Interest Rate पर लोन ले सकते है। सभी बैंक में लोन अप्लाई करने का प्रोसेस सेम ही होता है जिस में आप के पास बेसिक डॉक्यूमेंट होने चाहिए 

  • Pan Card 
  • Aadhaar Card 
  • Phone Number 
  • Good CBIL 
  • Mail ID 

अगर आप के पास ऊपर दिए गए बेसिक डॉक्यूमेंट है तो आप लोन के लिए अप्लाई कर सकते है। और अपना बेस्ट ऑफर के साथ लोन पा सकते है। 

What is the normal interest rate on a personal loan?

सभी बैंक का Interest Rate अलग-अलग होता है लेकिन कुछ बैंक के Interest आप को 10.25% से चालू होता है कम Interest Rate में लोन लेने के लिए आप का Credit Score अच्छा होना चाहिए। 

Is a 12% personal loan good?

Good Personal loan Interest Rate 12% से चालू हो जाता है। इस के लिए आप का Credit Score average होना चाहिए तब ही आप इस के लिए Eligible होते है। HDFC, AXIS, IDFC First Bank ये बैंक आप को 12% पर लोन प्रोवाइड करता है।

Which bank is giving lowest interest rate for personal loan?

सबसे कम Interest Rate में आप को ये बैंक Loan प्रोवाइड करता है Bank of Baroda, Bank of India, Central Bank of India, Axis Bank, HDFC Bank, ICICI Bank

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