Instant Personal Loans for All Your Financial Needs.
Apply online now and get quick loan approvals
Unlock Best Personal Loan Offers
Instant Personal Loans for All Your Financial Needs.
Unlock Best Personal Loan Offers
Trusted Loan Solutions with Loangrid
Instant Loan Approval
Quick Approvals for the best personal loans online.
Attractive Interest Rates
Get the Best Deals with low interest personal loans.
Flexible Tenures
Various tenure options for easy and simple loan repayment.
RBI Approved Lenders
Complete peace of mind with 100% approved lenders.
Easy Digital Process
Efficient and user-friendly digital processing of loans.
Instant Disbursal
Quick online processing to ensure you get instant personal loan funds immediately.
Trustworthy Loans with Loangrid
- Instant Loan Approval
- Attractive Interest Rates
- Flexible Tenures
- RBI Approved Lenders
- Easy Digital Process
- Instant Disbursal
Get the best interest rates every time
Interest Rates10.99% - 35%
Loan AmountUp to ₹75L
TenureUpto 6 Years
Processing FeeUpto 2%
About the Bank
Tata Capital offers personal loan interest rates beginning at 10.99% p.a. for amounts up to Rs 75 lakh, with a maximum tenure of 6 years. Additionally, by applying now, you can take advantage of a variety of loan products made for your financial needs. Clicking here allows Tata Capital's existing customers to check their eligibility for this pre-approved loan offer.
Interest Rates11% to 24%
Loan AmountUp to ₹25L
TenureUpto 5 Years
Processing FeeUpto 2%
About the Bank
Poonawalla Fincorp offers personal loan interest rates beginning at 11% p.a. for amounts up to Rs 25 lakh, with a maximum tenure of 5 years. Additionally, by applying now, you can take advantage of a variety of loan products made for your financial needs. Clicking here allows Poonawalla Fincorp's existing customers to check their eligibility for this pre-approved loan offer.
Interest Rates10.49% - 26%
Loan AmountUp to ₹10L
Tenure1-5 Years
Processing FeeUpto 4%
About the Bank
Induslnd offers personal loan interest rates beginning at 10.49% p.a. for amounts up to Rs 50 lakh, with a maximum tenure of 5 years. Additionally, by applying now, you can take advantage of a variety of loan products made for your financial needs. Clicking here allows IndusInd's existing customers to check their eligibility for this pre-approved loan offer.
Interest Rates10.99% - 23.99%
Loan AmountUp to ₹1Cr
TenureUpto 5 Years
Processing FeeUpto 2%
About the Bank
IDFC Bank offers personal loan interest rates beginning at 10.99% p.a. for amounts up to Rs 1Cr, with a maximum tenure of 5 years. Additionally, by applying now, you can take advantage of a variety of loan products made for your financial needs. Clicking here allows IDFC Bank's existing customers to check their eligibility for this pre-approved loan offer.
Interest Rates16% - 29.95%
Loan AmountUp to ₹2L
Tenure4 to 36 months.
Processing Fee₹150 to ₹13,750
About the Bank
Kreditbee offers personal loan interest rates beginning at 16% p.a. for amounts up to Rs 2 lakh, with a maximum tenure of 3 years. Additionally, by applying now, you can take advantage of a variety of loan products made for your financial needs. Clicking here allows Kreditbee's existing customers to check their eligibility for this pre-approved loan offer.
Interest Rates12% to 26%
Loan AmountUp to ₹5L
TenureUpto 5 Years
Processing FeeUpto 4%
About the Bank
Piramal offers personal loan interest rates beginning at 12% p.a. for amounts up to Rs 5 lakh, with a maximum tenure of 5 years. Additionally, by applying now, you can take advantage of a variety of loan products made for your financial needs. Clicking here allows Piramal's existing customers to check their eligibility for this pre-approved loan offer.
Interest Rates11% - 25%
Loan AmountUp to ₹10L
TenureUpto 8 Years
Processing FeeUpto 4%
About the Bank
Bajaj Finserv offers personal loan interest rates beginning at 11% p.a. for amounts up to Rs 40 lakh, with a maximum tenure of 8 years. Additionally, by applying now, you can take advantage of a variety of loan products made for your financial needs. Clicking here allows Bajaj Finserv's existing customers to check their eligibility for this pre-approved loan offer.
Interest Rates12% to 28%
Loan AmountUp to ₹25L
TenureUpto 5 Years
Processing FeeUpto 2%
About the Bank
Muthoot offers personal loan interest rates beginning at 12% p.a. for amounts up to Rs 25 lakh, with a maximum tenure of 5 years. Additionally, by applying now, you can take advantage of a variety of loan products made for your financial needs. Clicking here allows Muthoot's existing customers to check their eligibility for this pre-approved loan offer.
Interest Rates11% to 24%
Loan AmountUp to ₹20L
TenureUpto 5 Years
Processing FeeUpto 2%
About the Bank
Incred offers personal loan interest rates beginning at 11% p.a. for amounts up to Rs 20 lakh, with a maximum tenure of 5 years. Additionally, by applying now, you can take advantage of a variety of loan products made for your financial needs. Clicking here allows Incred's existing customers to check their eligibility for this pre-approved loan offer.
Eligibility Criteria for Personal Loan
Loan eligibility can vary based on the lender's credit risk policies. Here are some criteria that can influence approval:
Age18-60 Years
Salaried₹15,000/Month
Self-employed>₹5 Lakh p.a.
Credit Score>600
Work Experience>1 Year
Business Continuity>3 Years
*Employment type includes Salaried employees working with reputed organisations, MNCs, Private and Public Limited Companies, Govt. organisations, PSUs, and large enterprises
5 Simple Steps to Instant Loans
1
Check Your Eligibility
Enter your mobile number and instantly check your eligibility.
2
Choose Loan Details
Provide a few basic details and verify it using an OTP.
3
Compare Options
Compare bank offers to find the best option for you.
4
Verify Your Details
Complete your verification by providing a few necessary details.
5
Instant Money Transfer
Enter your bank details, set up auto-debit and get the loan amount transferred within minutes.
Frequently Asked Questions
A personal loan is a type of unsecured loan that you can use for various personal expenses, such as debt consolidation, home improvements, medical bills, or unexpected expenses. Unlike secured loans, personal loans don't require collateral.
Best Personal Loan Offers with Instant Disbursal
When life throws surprises, a reliable financial cushion is crucial. Whether it's a sudden medical bill, a travel plan, or managing existing debts, a personal loan can be the ideal solution. This guide helps you explore the best personal loan options in India, based on interest rates, tenure, and features.
What is a Personal Loan?
A personal loan is a short- to medium-term unsecured loan offered by financial institutions, digital lenders, or banks. It requires no collateral and can be used for various purposes, including emergency lending, wedding expenses, or even business expansion. Unlike a secured loan, approval is based on credit score, income, and repayment ability.
Key Features of Personal Loans
- Loan Amount: Up to ₹1 Crore
- Interest Rates: Starting from 10.25% per annum
- Processing Fee: Ranges from 0.5% to 3% of loan amount
- No Collateral Required: Unsecured loan, easy approval
- Flexible Repayment: Choose repayment terms from 1 to 5 years
- inimal Income Requirement: Starting from ₹15,000 per month
- 100% Online Process: Apply anytime, anywhere
- Quick Disbursal: Funds are usually credited within 24–48 hours
Benefits of Applying for Personal Loans Online
- End-to-end digital process
- Paperless documentation
- Quick loans with approval in minutes
- Compare multiple lenders before deciding
- Access to low-interest personal loans
Personal Loan Providers in India
| Bank/NBFC | Interest Rate (p.a.) | Loan Amount (Upto) | Salary (per month) | Processing Fees (Without GST) |
|---|---|---|---|---|
| HDFC Bank | 10.75% | ₹50K – ₹1 Cr | ₹25000 Above | ₹7670 |
| ICICI Bank | 10.80% | ₹50K – ₹60Lakh | ₹35000 Above | ₹8999 |
| IndusInd Bank | 10.35% | ₹1 Lakh – ₹50 Lakh | ₹25000 Above | 0.45% to 2% |
| Bandhan Bank | 10.50% | ₹1 Lak – ₹25 Lakh | ₹25000 Above | ₹4999 To 1.75% |
| Kotak Mahindra Bank | 10.99% | ₹1 Lakh – ₹80 Lakh | ₹35000 Above | 0.50% to 1.5% |
| IDFC First Bank | 10.50% | ₹1 Lakh – ₹50 Lakh | ₹20000 Above | 1.5% to 2% |
| Axis Bank | 10.69% | ₹50K – ₹ 40 Lakh | ₹25000 Above | ₹4999 To ₹6999 |
| Bajaj Finserv | 10.50% | ₹ 1 Lakh – ₹40 Lakh | ₹35000 Above | 1.2% |
| Incred | 13.99% | ₹50K – ₹10 Lakh | ₹15000 Above | 2% to 5% |
| Finnable | 13.99% | ₹50K – ₹10 Lakh | ₹20000 Above | 4% to 5% |
| Fulletron | 17.50% | ₹50K – ₹30 Lakh | ₹20000 Above | 2% |
Please Note: GST will be applicable as per prevailing rates. The final interest rate will depend on the applicant’s creditworthiness and may vary accordingly.
Types of Personal Loans Available
- Emergency Loans – Ideal for urgent needs like medical crises or travel disruptions.
- Salary Loans – For salaried individuals looking for short-term credit.
- Credit Loans for Self-employed – Tailored for freelancers and business owners.
- Small Loans – Amounts between ₹10,000 to ₹1,00,000 with flexible repayment.
Eligibility Criteria for Personal Loans
| Criteria | Details |
|---|---|
| Age | 21 to 60 years |
| Income | ₹15,000 or more per month |
| Employment Type | Salaried or self-employed |
| Credit Score | 650 or above preferred |
| Job Stability | At least 6 months with current employer |
Documents Required for Application
- Identity Proof: Aadhaar/PAN/Passport
- Address Proof: Utility bill, Passport, Rent Agreement
- Income Proof: Salary slips or ITRs
- Bank Statement: Last 3–6 months
- Photographs: Passport-size
Factors That Affect Loan Approval
- Credit History: Higher scores improve approval chances
- Debt-to-Income Ratio: Keep EMIs under 40% of income
- Employment Type: Stable jobs preferred
- Loan Amount vs. Income: Ask for a reasonable amount
- Bank Relationship: Pre-existing customers may get better offers
How to Apply for a Personal Loan Online
- Compare Lenders – Check interest rates, EMI, and processing fee
- Fill Application – Provide personal and financial details
- Upload Documents – Use phone or system to upload scans
- Get Approval – Pre-approved offers available
- Receive Funds – Loan credited within 24–48 hours
When to Consider a Personal Loan
- Pay off high-interest credit card dues
- Handle emergency lending
- Finance education or a skill course
- Renovate home or relocate
- Fund weddings, travel, or big purchases
Common Questions About Personal Loans
- Can I apply for a loan with a low credit score?
Yes, but interest may be higher. - What’s the fastest way to get a loan approved?
Use automated online platforms. - Is there a way to avoid processing fees?
Yes, during festive seasons or for pre-approved users. - Can self-employed individuals apply?
Yes, with valid income proof. - What’s better: small loan or large tenure?
Smaller loans with shorter tenures reduce interest.
Important Disclosure - LoanGrid
LoanGrid is an independent comparison platform designed to help users explore and evaluate personal loan options from trusted RBI-registered banks, NBFCs, and digital lending partners. We are not a lender and do not provide loans directly. Loans are facilitate through RBI- registered banks and NBFCs, including HDFC, ICICI, Yes Bank, and others. Approval is subject to verification.
Please Note: Loan offers are subject to change based on the lender’s discretion and your eligibility (credit score, income, etc.). Always double-check terms and conditions with the official lender before applying.
Contact Details
Registered Address: : Nxtify Technologies Pvt. Ltd. 1034-A, 3rd Floor, Sri Sri Sai Arcade 24th Main Rd, 9th Cross Rd, 1st Sector, HSR Layout, Bengaluru, Karnataka 560102.
Email: cs@loangrid.in
Final Words
Personal loans are an accessible way to handle planned and unplanned expenses. Use a trusted platform like LoanGrid to compare interest rates, tenure, and eligibility across lenders. Always read the fine print, check EMI affordability, and borrow responsibly.