PLANNED COSTS
Plan a milestone
For education, a move or home repairs, first work out the amount you actually need and the monthly payment your budget can carry.
FINSMARTER PERSONAL LOAN GUIDE
Personal loans. Guidance you can trust.
Explore banks and NBFCs, estimate your monthly repayment and request personal loan guidance. Your lender confirms the final rate and eligibility.
20 lendersEMI estimate updates as you typeTalk to FinSmarter — no application redirect
How rates are shown: these are public starting rates or published ranges, not a personal offer or approval promise. For a fair estimate, the calculator uses the lowest published rate and excludes fees and taxes.
PLAN YOUR NEXT STEP
Start with the need. Then check the numbers.
A personal loan may be considered for different situations. Match the amount and repayment to your plan before choosing an offer.
UNEXPECTED BILLS
Make room for the repayment
For an urgent expense, compare the full repayment and check how a new EMI fits alongside essentials and existing commitments.
EXISTING DEBT
Compare before combining
If you are considering consolidating balances, include closure charges, new fees and the total cost over the new repayment period.
CAREER & LIFE CHANGES
Keep the plan flexible
For training or relocation, price the goal first and choose a repayment period that still feels manageable if monthly income varies.
Before deciding: compare APR, fees, total amount payable and the lender’s written terms. Published rates are indicative; the lender sets any final offer.
Talk it through with FinSmarter20 lenders
HDHDFC Bank
Bank10.90% – 24.00%published annual range · p.a.
Illustrative EMI₹10,846 / month₹5 lakh · 60 months
Processing feeUp to ₹6,500 + GST
Rates, fees & details
Rate note: Published salaried rack-rate range; the bank may quote a different rate by profile. Rates and fees may change. These figures are estimates; the lender confirms any final offer.
Talk to a loan advisor
ICICICI Bank
Bank10.60% – 16.50%published annual range · p.a.
Illustrative EMI₹10,772 / month₹5 lakh · 60 months
Processing feeUp to 2% + taxes
Rates, fees & details
Rate note: Published personal-loan range; final pricing depends on borrower profile. Rates and fees may change. These figures are estimates; the lender confirms any final offer.
Talk to a loan advisor
AXAxis Bank
Bank9.99% – 22.00%published annual range · p.a.
Illustrative EMI₹10,621 / month₹5 lakh · 60 months
Processing feeUp to 2% + GST
Rates, fees & details
Rate note: Published starting rate and range; the cited page notes offer and profile conditions. Rates and fees may change. These figures are estimates; the lender confirms any final offer.
Talk to a loan advisor
KOKotak Mahindra Bank
BankFrom 10.99%published starting rate · p.a.
Illustrative EMI₹10,869 / month₹5 lakh · 60 months
Processing feeCheck current charges with the bank
Rates, fees & details
Rate note: Published starting rate for eligible applicants. Rates and fees may change. These figures are estimates; the lender confirms any final offer.
Talk to a loan advisor
STState Bank of India
Bank10.05% – 15.05%published annual range · p.a.
Illustrative EMI₹10,636 / month₹5 lakh · 60 months
Processing feeXpress Credit: 1.5%, ₹1,000–₹15,000 + GST
Rates, fees & details
Rate note: Published personal-loan scheme range; scheme and borrower conditions apply. Rates and fees may change. These figures are estimates; the lender confirms any final offer.
Talk to a loan advisor
IDIDFC FIRST Bank
BankFrom 9.99%published starting rate · p.a.
Illustrative EMI₹10,621 / month₹5 lakh · 60 months
Processing fee0%–3.5% incl. GST, as applicable
Rates, fees & details
Rate note: Published starting rate; fees and final rate depend on the approved offer. Rates and fees may change. These figures are estimates; the lender confirms any final offer.
Talk to a loan advisor
TATata Capital
NBFC10.99% – 33.00%published annual range · p.a.
Illustrative EMI₹10,869 / month₹5 lakh · 60 months
Processing feeUp to 5% + applicable taxes
Rates, fees & details
Rate note: Published personal-loan interest-rate range; eligibility and terms apply. Rates and fees may change. These figures are estimates; the lender confirms any final offer.
Talk to a loan advisor
BABajaj Finance
NBFC10.00% – 30.50%published annual range · p.a.
Illustrative EMI₹10,624 / month₹5 lakh · 60 months
Processing feeUp to 4.13% incl. taxes
Rates, fees & details
Rate note: Published rate and fee range; exact offer depends on borrower assessment. Rates and fees may change. These figures are estimates; the lender confirms any final offer.
Talk to a loan advisor
ADAditya Birla Capital
NBFC10.00% – 28.00%published annual range · p.a.
Illustrative EMI₹10,624 / month₹5 lakh · 60 months
Processing feeUp to 4% + applicable taxes
Rates, fees & details
Rate note: Published personal-loan range; the final offer depends on borrower profile. Rates and fees may change. These figures are estimates; the lender confirms any final offer.
Talk to a loan advisor
INIndusInd Bank
BankFrom 10.49%published starting rate · p.a.
Illustrative EMI₹10,744 / month₹5 lakh · 60 months
Processing feeUp to 3.5% + applicable taxes
Rates, fees & details
Rate note: Published starting rate; actual pricing is personalised. Rates and fees may change. These figures are estimates; the lender confirms any final offer.
Talk to a loan advisor
FEFederal Bank
BankFrom 11.99%published starting rate · p.a.
Illustrative EMI₹11,120 / month₹5 lakh · 60 months
Processing feeCheck current charges with the bank
Rates, fees & details
Rate note: Published fixed rate starting point; eligibility and current scheme terms apply. Rates and fees may change. These figures are estimates; the lender confirms any final offer.
Talk to a loan advisor
PUPunjab National Bank
Bank9.40% – 17.05%published annual range · p.a.
Illustrative EMI₹10,477 / month₹5 lakh · 60 months
Processing feeCheck scheme-specific charges
Rates, fees & details
Rate note: Latest public disclosure found lists 9.40%–17.05%; the disclosure is older, so please confirm its currentness. Rates and fees may change. These figures are estimates; the lender confirms any final offer.
Talk to a loan advisor
UNUnion Bank of India
BankFrom 8.75%published starting rate · p.a.
Illustrative EMI₹10,319 / month₹5 lakh · 60 months
Processing feeCheck current scheme charges
Rates, fees & details
Rate note: The bank advertises a starting figure; scheme-specific current pricing could not be confidently confirmed, so treat this as a lead only. Rates and fees may change. These figures are estimates; the lender confirms any final offer.
Talk to a loan advisor
YEYES BANK
BankFrom 10.85%published starting rate · p.a.
Illustrative EMI₹10,834 / month₹5 lakh · 60 months
Processing feeUp to 2.5% + applicable taxes
Rates, fees & details
Rate note: Published starting interest rate of 10.85% p.a.; final rate depends on applicant profile and lender assessment. Rates and fees may change. These figures are estimates; the lender confirms any final offer.
Talk to a loan advisor
RBRBL Bank
BankFrom 18.00%published starting rate · p.a.
Illustrative EMI₹12,697 / month₹5 lakh · 60 months
Processing fee2% of loan amount
Rates, fees & details
Rate note: Published 18% p.a. for pre-qualified customers; loan up to ₹7 lakh and tenure 12–36 months. Availability and approval depend on bank eligibility. Rates and fees may change. These figures are estimates; the lender confirms any final offer.
Talk to a loan advisor
AUAU Small Finance Bank
BankUp to 30.00%published maximum interest rate · p.a.
Illustrative EMIRate required for estimate₹5 lakh · 60 months
Processing feeUp to 4%; minimum ₹2,000 + taxes (concessions may apply)
Rates, fees & details
Rate note: The bank publishes interest up to 30% p.a. and an average of 18%, without a minimum rate. No starting-rate EMI estimate is shown. Rates and fees may change. These figures are estimates; the lender confirms any final offer.
Talk to a loan advisor
DBDBS Bank India
Bank10.99% – 30.00%published annual range · p.a.
Illustrative EMI₹10,869 / month₹5 lakh · 60 months
Processing feeUp to 3% + GST
Rates, fees & details
Rate note: Published fixed annual interest range; final pricing depends on applicant profile and lender assessment. Rates and fees may change. These figures are estimates; the lender confirms any final offer.
Talk to a loan advisor
POPoonawalla Fincorp
NBFCFrom 9.99%published starting rate · p.a.
Illustrative EMI₹10,621 / month₹5 lakh · 60 months
Processing feeUp to 3% + applicable taxes
Rates, fees & details
Rate note: The lender illustrates 9.99% annual interest and separately discloses APR of 9.99%–16.5%. APR is not used as the interest-rate range; final terms depend on credit assessment. Rates and fees may change. These figures are estimates; the lender confirms any final offer.
Talk to a loan advisor
SMSMFG India Credit
NBFC12.50% – 30.00%published annual range · p.a.
Illustrative EMI₹11,249 / month₹5 lakh · 60 months
Processing feeUp to 4% + GST
Rates, fees & details
Rate note: Published annual interest range for personal loans; exact rate and charges depend on profile and approved terms. Rates and fees may change. These figures are estimates; the lender confirms any final offer.
Talk to a loan advisor
INInCred Financial Services
NBFC14.00% – 48.00% APRAnnual percentage rate including borrowing costs; not the nominal interest rate.
Illustrative EMIRate required for estimate₹5 lakh · 60 months
Processing feeConfirm applicable processing fee in the loan offer
Rates, fees & details
Rate note: The product page discloses APR of 14%–48%, which includes borrowing costs. A minimum nominal interest rate was not verified; calculator slider limits are not treated as offered rates. Rates and fees may change. These figures are estimates; the lender confirms any final offer.
Talk to a loan advisorNo lenders match these filters. Try widening the rate limit or clearing your search.
Before you decide: eligibility, charges and repayment terms
Review these points before proceeding. Each lender sets its own terms and assesses applications individually.
Eligibility
Income, employment, existing repayments, credit history and lender rules can affect an offer. The estimates here do not predict approval.
Fees and total cost
The estimate includes scheduled EMIs only. Check the lender’s Key Facts Statement for APR, processing fee, taxes and total amount payable.
Early or missed payments
Prepayment, foreclosure, late-payment and bounce charges vary. They are not consistently available in our comparison data, so confirm them in the lender’s current terms.
Why some EMIs are not shown
We show an EMI only when a published starting nominal interest rate is available. A disclosed APR or personalised rate is not substituted for a nominal rate.
CLEAR ANSWERS. CONFIDENT NEXT STEPS.
Personal loan questions, answered simply
Understand the rate, estimated payment and charges to check before you shortlist a loan.
Understand the offer
Is the lender’s starting rate guaranteed for me?
No. A published starting rate is a lender’s advertised entry point, not a personal offer. The lender sets your final rate, eligibility and terms after reviewing your application and profile.
How do I compare two loans fairly?
Compare the same loan amount and repayment period. Look at the EMI and total repayment, then check APR, processing charges, taxes and any late, bounce, part-payment or foreclosure charges in the lender’s current documents.
What does APR tell me?
APR expresses the annual cost of borrowing, including interest and applicable charges. Check the lender’s Key Facts Statement (KFS) for the APR and total cost in a clear, standard format.
Why is an EMI missing for some lenders?
We show an EMI only when we can verify a public nominal starting interest rate. If the lender does not publish one, we leave the estimate blank rather than guess or substitute a personalised rate or APR.
Costs, repayment & support
Are the EMI and total repayment exact?
They are estimates based on the amount and period you enter and the lowest verified public nominal rate shown. They exclude fees and taxes; your lender’s offer and repayment schedule may differ.
Which charges should I check before accepting?
Review the processing fee and taxes, late or penal charges, payment-bounce charges, and any part-payment or foreclosure charges. Check the lender’s KFS and final sanction terms for the complete cost.
Can I repay the loan early?
Rules and charges for part-payment or early closure vary by lender and loan terms. Confirm them in the current KFS and sanction documents before you accept the loan.
Does FinSmarter approve or issue my loan?
No. FinSmarter helps you compare public information and can help you shortlist options. A listing is not an approval or a promise of eligibility; the lender makes the final decision.
What happens when I request a callback?
A callback request asks the FinSmarter team to contact you about your enquiry. It is not a loan application or approval. Never share an OTP, PIN or password in an enquiry.
For loan-cost disclosure, read the lender’s Key Facts Statement. See the RBI guidance on KFS for retail and MSME loans.
Personal loan guidance in Mumbai, Thane and Vasai
Looking for a personal loan in Mumbai or nearby Thane, Vasai-Virar and Palghar? Compare the total borrowing cost before choosing an offer. Lender serviceability depends on your residential PIN code, employer, income and credit profile; being nearby does not guarantee eligibility or approval.
Personal loan eligibility and documents
For salaried applicants, lenders commonly assess age, monthly income, employment continuity, existing EMIs and credit history. Self-employed applicants may need business and income records. Keep identity and address proof, recent bank statements and income proof ready; the exact documents depend on the lender.
Compare interest rates, fees and your EMI
Check the interest rate, APR in the Key Facts Statement, processing fee and applicable taxes, repayment period and prepayment terms. A lower EMI over a longer tenure can increase total interest. An instant or pre-approved offer still requires the lender's checks.
FinSmarter helps you compare and understand options. The lender decides the final rate, eligible amount and approval.