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Personal loan is an unsecured loan that helps one in meeting his or her personal needs conveniently. Both banks and non-banking financial corporations (NBFCs) provide personal loans at great interest rates. Compare different personal loan options offered by various lenders and then take your pick.

List of Top 10 Personal Loan Lending Companies in India

1. HDFC Bank Personal Loan
HDFC Bank is a leading bank that offers numerous banking products at affordable prices. The personal loan product provided by the bank is affordable and attractive.

Details of HDFC Bank Personal Loan

Interest rate 11.25% to 21.50% p.a.
Minimum age 21 years
Maximum age 60 years
Minimum income Rs.15,000 net monthly income.
(Rs.20,000 for residents of Hyderabad, Chennai, Pune, Ahmedabad, Mumbai, Cochin, Delhi, Kolkata, Bengaluru)
Processing fee Up to 2.5% of the loan amount (minimum of Rs.1,999 and maximum of Rs.25,000)
Loan amount Up to Rs.15 lakh
Loan tenure 12 to 60 months
Loan disbursal time 2 days
The bank has exclusive loan offers for applicants who are women employees. You can also check your personal loan eligibility in 1 minute on the official website of the bank.

2. SBI Personal Loan
The bank offers multiple personal loan products at different interest rates.

A. SBI Xpress Credit Personal Loan

Interest rate 12.50% to 16.60% p.a.
Minimum age 21 years
Maximum age 60 years
Minimum income Rs.5,000
Loan amount Rs.25,000 to Rs.15 lakh
Loan tenure Up to 60 months
B. SBI Personal Loan for Pensioners

Interest rate 11.95% p.a.
Minimum age 21 Years
Maximum age 76 years
Minimum income -
Loan amount Rs.25,000 to Rs.14 lakh
Loan tenure Up to 84 months
C. SBI Saral Personal Loan

Interest rate 11.75% to 12.45% p.a.
Minimum age 21 years
Maximum age 60 years
Minimum income Rs.5,000
Loan amount Rural areas or semi-urban centres: Rs.10,000 to Rs.10 lakh
Metro and semi-urban centres: Rs.24,000 to Rs.10 lakh
Loan tenure Up to 48 months
3. PNB Personal Loan
Interest rate 12% to 15% p.a.
Minimum age 21 years
Maximum age 60 years
Minimum income Semi-urban or rural centres: Rs.10,000
Urban centres: Rs.12,500
Metro centres: Rs.15,000
Loan amount Rs.50,000 to Rs.10 lakh or 20 times the monthly net income
Loan tenure Up to 60 months
4. Axis Bank Personal Loan
Interest rate 15.75% to 24% p.a.
Minimum age 21 years
Maximum age 60 years
Minimum income Rs.15,000
Loan amount Rs.50,000 to Rs.15 lakh
Loan tenure 12 to 60 months
5. Canara Bank Personal Loan
Canara Bank has 3 kinds of personal loan products and they include:

A. Canara Bank Consumer Personal Loan

Interest rate 13.15% - 14.15% p.a.
Minimum age 21 years
Maximum age 60 years
Minimum income Rs.12,500
Loan amount Rs.1 lakh or 15 months of net income or 75% of invoice value, whichever is lesser
Loan tenure Up to 36 months
B. Canara Bank Teachers’ Personal Loan

Interest rate 12.65% p.a.
Minimum age 21 years
Maximum age 60 years
Minimum income Rs.10,000
Loan amount Rs.3 lakh or gross salary for 6 months, whichever is lesser
Loan tenure Up to 48 months
C. Canara Bank Budget Personal Loan

Interest rate 11.00% to 13.00% p.a.
Minimum age 21 years
Maximum age 60 years
Minimum income Rs.10,000
Loan amount Rs.3 lakh or gross salary for 6 months, whichever is lesser
Loan tenure Up to 60 months
6. Bajaj Finserv Personal Loan
Bajaj Finserv is a leading NBFC that offers a wide range of financial products. The company provides a great personal loan product that can be utilised for several personal requirements.

Interest rate 12.99% p.a.
Minimum age 25 years
Maximum age 58 years
Minimum income Rs.30,000
Loan amount Up to Rs.25 lakh
Loan tenure 12 to 60 months
Loan disbursal time 24 hours
7. Mahindra Finance Personal Loan
Mahindra Finance is a prominent NBFC that extends various forms of financing.

Interest rate 11.70% p.a.
Minimum age 21 years
Maximum age 58 years
Minimum income Information not provided
Loan amount Up to Rs.3 lakh
Loan tenure Up to 3 years
8. IDBI Bank Personal Loan
Interest rate 10.15% - 12.90% p.a.
Minimum age 22 years
Maximum age 60 years
Minimum income Rs.15,000
Loan amount Rs.50,000 to Rs.10 lakh
Loan tenure 12 to 60 months
9. Allahabad Bank Personal Loan
Interest rate 13% p.a.
Minimum age 21 years
Maximum age 60 years
Minimum income Rs.15,000
Loan amount Rs.50,000 to 12 Lakh
or
24 times of current gross monthly salary
Loan tenure Up to 60 months
10. Indian Overseas Bank Personal Loan
Interest rate 12.75% - 15.25% p.a.
Minimum age 21 years
Maximum age 60 years
Minimum income Above Rs.5,000
Loan amount Up to Rs.5 lakh
Loan tenure Up to 60 months
These are some of the prominent personal loan finance companies that provide attractive personal loan options at reasonable interest rates. You do not have to submit any collateral or security for procuring these personal loans.

Simple Guidelines to Get Your Personal Loan Application Approved
Make sure you compare the interest rates, processing fees, pre-payment fees, and other features of various personal loans before you select one.
Make sure your credit score is good before you apply for a personal loan.
Plan your monthly expenses thoroughly. You can decide your EMI accordingly. You can use an online EMI calculator to get an idea of your loan expenses.

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With proper research, you can choose the most appropriate personal loan as per your preferences and financial requirements.

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