Compare loan products from top Indian banks and NBFCs. Filter by type, rate, and tenure. Independent ratings.
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Personal, home, auto, education, business — every product from every Indian bank + NBFC. Filter by rate, tenure, eligibility.
SBI home loan cut 10 bps — now 8.25% for 750+ CIBIL
Applies to floating-rate loans; effective May 1. Existing borrowers on external benchmark (EBLR) reset automatically.
Source: SBI rate announcement
RBI tightens personal loan guidelines for NBFCs
Unsecured personal loan risk weight raised to 150% — expect 25-50 bps rate hikes at Bajaj Finserv, DMI, etc.
Source: RBI Notification
HDFC personal loan zero processing fee — ends Apr 30
Salaried applicants with ₹5L+ loan. Pre-approved existing customers can also apply.
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Head to head
Personal Loan vs Credit Card Loan
Which costs less for short-term borrowing?
Head to head
SBI vs HDFC Home Loan
Rate, processing fee, and prepayment compared
Head to head
Home Loan Prepayment vs SIP
Should you prepay or invest the extra EMI?
Head to head
Gold Loan vs Personal Loan
Secured vs unsecured — which is cheaper?
Head to head
Bank vs NBFC Loans
Bajaj, Tata Capital vs SBI, HDFC — pros and cons
Head to head
Fixed vs Floating Rate
When to lock your rate and when to float
Editorial — read first
SBI gold loan with lowest bank rates. Up to 3 years tenure — longer than NBFCs.
SBI's digital MSME loan under Mudra scheme. Instant approval for existing SBI customers.
India's largest gold loan NBFC. Instant disbursal at 5,700+ branches. No processing fee.
Editorial
Loans · 25 May 2026
Most loans against FD in India today are processed online — no application letter needed. But for branch-only banks or older NRI applicants, here's the standard application format + required attachments.
By InvestingPro Lending Desk
Loans · 25 May 2026
Home loan balance transfer = moving your remaining loan to a new bank at a lower interest rate. For a ₹50L loan with 15 years left, a 0.50% rate drop saves ₹4.8 lakh. Here's when it's worth it.
By InvestingPro Lending Desk
Loans · 25 May 2026
SBI offers loans up to 90% of FD value at FD-rate + 1.0% — same-day, no CIBIL check, FD continues earning interest. Complete YONO + INB process + interest math + 3 use-cases where this beats personal loans.
By InvestingPro Lending Desk
Loans · 24 May 2026
Rejected for a personal loan? Don't reapply immediately — each application drops CIBIL another 5-10 points. Here's the 6-step recovery playbook + 4 alternative loan paths that actually approve.
By InvestingPro Lending Desk
Loans · 15 May 2026
HDFC Bank personal loans start at 8.25% p.a. for top-CIBIL salaried applicants. Loan amounts up to ₹40 lakh, tenure 12-72 months. Pre-approved customers get same-day disbursement; fresh applicants 24-72 hours. We break down the rate math, eligibility, fees, and how HDFC compares to lower-rate peers.
By InvestingPro Lending Desk
Loans · 15 May 2026
India's lowest personal loan rates in {{now.year}} start at 7.5% p.a. (Kotak Mahindra Bank) for prime applicants. We've ranked 20 lenders by starting rate, processing fee, and approval time — with real DB-sourced data on tenures, loan amounts, and eligibility. Find your match by CIBIL band and income level.
By InvestingPro Lending Desk
Loans · 4 May 2026
Discover how much you can borrow with a home loan on a 50,000 salary. Learn key eligibility criteria and tips to maximize your borrowing potential.
By InvestingPro Lending Desk
Loans · 2 May 2026
How the RBI repo rate in {{now.year}} actually affects your home loan EMI, FD interest, and personal loan rates — with real ₹50L home loan and ₹10L FD examples.
By InvestingPro Lending Desk
Loans · 17 Apr 2026
Pre-approved Personal Loan on Salary Account: Should You Accept It? - Comprehensive guide for Salaried employees getting SMS offers. Learn about pre approved personal loan trap.
By InvestingPro Lending Desk
Before you apply
Credit
+50 points in 90 days — 5 actual levers, 3 myths, free DIY dispute under RBI 2022 rule.
Read guide →
Regulation
Banks charge prepayment fees they have no legal right to. Circular + Ombudsman complaint template.
Read guide →
Compare
Most under-served secured-loan comparison in India. LTV, rate, tax, foreclosure decoded.
Read guide →
Opportunity
8 govt loan schemes most borrowers don't know they qualify for — full eligibility map.
Read guide →
Escalation
RBI's free grievance redressal up to ₹50L. 22 grounds + 4-step escalation + complaint template.
Read guide →
Persona
How NBFCs underwrite presumptive income, GST-linked lending, 5-document playbook.
Read guide →
Loans in India are offered by banks and NBFCs regulated by the Reserve Bank of India. Loan approval, interest rate, processing fees, and tenure are at the sole discretion of the lender subject to KYC, credit score (CIBIL/Experian), income verification, and internal credit policy. Rates shown are indicative and may differ from your actual sanctioned offer.
Risk note: Borrow only what you can repay. Defaults reduce your CIBIL score and limit future credit access. Read the sanction letter and key fact statement carefully before signing.
InvestingPro is an independent comparison and education platform. We are NOT a SEBI-registered investment advisor, IRDAI-licensed insurance broker, or RBI-licensed lending intermediary. We may earn affiliate commission when you click through to a partner — see how we make money. For personalised advice consult a registered advisor.