Compare loan products from top Indian banks and NBFCs. Filter by type, rate, and tenure. Independent ratings.
Ranked by our methodology — lowest rates and best terms by loan type. No paid placements.
Top-rated lenders side by side — score, interest rate and loan type. Ranked by our methodology, not what pays us most.
| Lender | Score | Interest from | Type | Apply |
|---|---|---|---|---|
| Kotak Mahindra Bank Personal Loan | 98 | — | — | Apply → |
| SBI Gold Loan | 98 | — | — | Apply → |
| SBI e-Mudra Loan | 98 | — | — | Apply → |
| SBI Personal Loan | 96 | — | — | Apply → |
| ICICI Bank Personal Loan | 96 | — | — | Apply → |
| Muthoot Finance Gold Loan | 96 | — | — | Apply → |
| Federal Bank Personal Loan | 92 | — | — | Apply → |
| HDFC Bank Personal Loan | 92 | — | — | Apply → |
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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 · 16 Jun 2026
The LTV ratio decides how much you borrow versus how much you pay upfront. Here is how RBI caps it for home loans, gold loans, and loans against shares in 2026.
Loans · 16 Jun 2026
A co-applicant is a joint borrower liable from day one; a guarantor only pays if you default. Here is exactly who carries what risk in an Indian loan.
Loans · 16 Jun 2026
DPD codes and SMA tags are the early-warning flags lenders place on your CIBIL report when payments slip. Here is how to read them and how to recover.
Loans · 16 Jun 2026
RBI bars prepayment penalties on floating-rate loans to individuals — but most personal loans are fixed-rate, where 2-5% + GST foreclosure fees still apply. Here's how to decide whether closing early is worth it.
Loans · 16 Jun 2026
Need ₹2–10 lakh without selling your investments? A loan against mutual funds (LAMF) charges ~9–12% and lets you stay invested, while a personal loan costs ~11–24% but needs no assets. Here is the full 2026 comparison — rates, limits, taxes and the margin-call risk.
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
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.