Personal Loan Interest Rates 2026
Compare personal loan interest rates, processing fees, and tenure across SBI, HDFC, ICICI, Axis, Bajaj Finserv and all major banks. Updated weekly.
| Bank | Interest Rate | Processing Fee | Notes |
|---|---|---|---|
| Axis Bank | 8.75–21.55% | Up to 2% | Instant approval for Axis salary account holders |
| IndusInd Bank | 10.49% | 1–3% | Wide rate band; competitive for 750+ CIBIL |
| Yes Bank | 10.85–21.00% | Up to 2% | Longest tenure option available |
| HDFC Bank | 10.50–21.00% | Up to 2.5% | Xpress Loan — 10 second in-principle approval |
| ICICI Bank | 10.65–16.00% | Up to 2.5% | Instant for pre-approved customers |
| IDFC First | 9.99% | Up to 3.5% | Fully digital; fast disbursal |
| Kotak Mahindra | 10.99–16.99% | Up to 3% | Quick disbursal via Kotak 811 |
| SBI | 10.00–15.00% | 1–2% | SBI Xpress Credit; best for govt/PSU employees |
| Bank of Baroda | 11.05–17.05% | Up to 2% | Baroda Personal Loan; longer tenure |
| Punjab National Bank | 10.25% | Up to 1.5% | Lower rate for salary account holders |
| Bajaj Finserv | 11.00–35.00% | Up to 4% | Flexi loan option; highest flexibility on tenure |
| Tata Capital | 10.99% | Up to 3% | Good for self-employed & business owners |