Personal loan lene se pehle har bank ka interest rate compare karna zaroori hai — thoda sa fark bhi lakhs ka difference bana sakta hai total repayment mein.
Top Banks — Personal Loan Rates April 2026
| Bank | Interest Rate | Max Loan | Tenure |
|---|---|---|---|
| SBI | 11.15% – 15.30% | ₹20 Lakh | 6 years |
| HDFC Bank | 10.85% – 24% | ₹40 Lakh | 5 years |
| ICICI Bank | 10.85% – 19% | ₹50 Lakh | 6 years |
| Axis Bank | 11% – 22% | ₹40 Lakh | 5 years |
| Kotak Mahindra | 10.99% – 24% | ₹35 Lakh | 5 years |
| Bank of Baroda | 11.05% – 18.75% | ₹20 Lakh | 7 years |
Loan Lene Se Pehle Yeh Cheezein Check Karo
- CIBIL Score — 750+ hona chahiye best rate ke liye
- Processing Fee — 0.5% se 3% tak hoti hai (negotiable)
- Prepayment Charges — kuch banks 2–4% lagaate hain
- EMI Calculation — apni monthly income ka 40% se zyada EMI mat lo
Sirf interest rate mat dekho — total cost of loan (processing fee + prepayment charges) compare karo.
Conclusion
Personal loan emergency mein helpful hai lekin unnecessary loan se bachna chahiye. Agar lena hi ho toh pehle credit union ya employer loan explore karo — usually sasta padta hai.