# Personal Loan Rates

Personal Loan Interest Rates are the ones settled upon acknowledged factors such as the ability to pay back the loan amount time. Nevertheless, quite number of banks offer numerous Personal Loan Rates in Delhi. In order to get hold on the best interest rates in Delhi, bestdeal4loans has assembled by far the best interest rates of several banks. Compare and choose the one which serves you the best

Banks/Rates |
Salaried |
||||||||

CAT A |
Per lac EMI(For 4 yrs.) |
CAT B |
Per lac EMI(For 4 yrs.) |
Others |
Per lac EMI(For others for 4 yrs.) |
Pre Payment Charges |
Processing Fees | Apply | |

ICICI Bank |
11% - 14.99%(Special rates for Loan Amount b/w 5 lacs - 20 lacs) 12.5% - 15.75%(For Special Companies) 11.29% - 11.7% (BT rates for listed company) 15.5% (Salary Above 75,000) 16%(Salary 50,000 -75,000) 16.5% (Salary 35,000 -50,000) 17% (Salary 20,000 -35,000) |
Rs.2585 - Rs.2783 (Special rates for Loan Amount b/w 5 lacs - 20 lacs) Rs.2658 - Rs.2821 (For Special Companies) Rs.2599 - Rs.2619 (BT rates for listed company) Rs.2808 (Salary Above 75,000) Rs.2834 (Salary 50,000 -75,000) Rs.2860 (Salary 35,000 -50,000) Rs.2886 (Salary 20,000 -35,000) |
11% - 14.99%(Special rates for Loan Amount b/w 5 lacs - 20 lacs) 11.29% - 11.7%(BT rates for listed company) 16%(Salary Above 75,000) 16.5%(Salary 50,000 -75,000) 17%(Salary 35,000 -50,000) 17.5%(Salary 20,000 -35,000) |
Rs.2585 - Rs.2783 (Special rates for Loan Amount b/w 5 lacs - 20 lacs) Rs.2599 - Rs.2619 (BT rates for listed company) Rs.2834 (Salary Above 75,000) Rs.2860 (Salary 50,000 -75,000) Rs.2886 (Salary 35,000 -50,000) Rs.2911 (Salary 20,000 -35,000) |
11% - 14.99%(Special rates for Loan Amount b/w 5 lacs - 20 lacs) 11.29% - 11.7%(BT rates for listed company) 16%(Salary Above 75,000) 16.5%(Salary 50,000 -75,000) 17%(Salary 35,000 - 50,000) 17.5%(Salary 20,000 -35,000) |
Rs.2585 (Special rates for Loan Amount b/w 5 lacs - 20 lacs) Rs.2599 (BT rates for listed company) Rs.2834 (Salary Above 75,000) Rs.2860 (Salary 50,000 -75,000) Rs.2886 (Salary 35,000 - 50,000) Rs.2911 (Salary 20,000 -35,000) |
Rs.999 for Special offers otherwise 1% - 2.5% |
Rs.999 for Special offers otherwise 1% - 2.5% | |

HDFC Bank |
11.49% - 14.75%(For Special Companies) 10.99%(For 75,000 & above salary) 11.39%(For 50,000-74,999 salary) 15.85%(For 35,000-49,999 salary) 17.5%(For Below 35,000 salary) 11.29% - 12.5%(Special Rates for Loan Amount b/w 10lakhs - 30lakhs) 11.29% - 11.7%(BT for Listed Companies) |
Rs.2608 - Rs.2770 (For Special Companies) Rs.2584 (For 75,000 & above salary) Rs.2604 (For 50,000-74,999 salary) Rs.2826 (For 35,000-49,999 salary) Rs.2911 (For Below 35,000 salary) Rs.2599 - Rs.2658 (Special Rates for Loan Amount b/w 10lakhs - 30lakhs) Rs.2599 - Rs.2619 (BT for Listed Companies) |
11.49% - 14.75%(For Special Companies) 10.99%(For 75,000 & above salary) 11.39%(For 50,000-74,999 salary) 15.85%(For 35,000-49,999 salary) 17.5%(For Below 35,000 salary) 11.29% - 12.5%(Special Rates for Loan Amount b/w 10lakhs - 30lakhs) 11.29% - 11.7%(BT for Listed Companies) |
Rs.2608 - Rs.2770 (For Special Companies) Rs.2584 (For 75,000 & above salary) Rs.2604 (For 50,000-74,999 salary) Rs.2826 (For 35,000-49,999 salary) Rs.2911 (For Below 35,000 salary) Rs.2599 - Rs.2658 (Special Rates for Loan Amount b/w 10lakhs - 30lakhs) Rs.2599 - Rs.2619 (BT for Listed Companies) |
19.5% |
Rs.3016 | |||

Bajaj Finserv |
11.99% - 16% |
Rs.2633 - Rs.2834 |
16% |
Rs.2834 |
16.5% - 17% |
Rs.2860 | Upto 4% post 1st EMI clearance | Upto 2% | |

Tata Capital |
11.99% (Salary above 1lakh) 11.99% - 12.75%(For 20,000-99,000 salary) 11.99% - 12.75%(For Tata Group Companies) |
Rs.2633 (Salary above 1lakh) Rs.2633 - Rs.2670 (For 20,000-99,000 salary) Rs.2633 - Rs.2670 (For Tata Group Companies) |
11.99%(Salary above 1lakh) 15.5%(For 30,000-60,000 salary) 17%(For 20,000-30,000 salary) 11.99%(For Tata Group Companies) |
Rs.2633 (Salary above 1lakh) Rs.2808 (For 30,000-60,000 salary) Rs.2886 (For 20,000-30,000 salary) Rs.2633 (For Tata Group Companies) |
11.99%(Salary above 1lakh) 15.5%(For 30,000-60,000 salary) 17%(For 20,000-30,000 salary) 11.99%(For Tata Group Companies) |
Rs.2633 (Salary above 1lakh) Rs.2808 (For 30,000-60,000 salary) Rs.2886 (For 20,000-30,000 salary) Rs.2633 (For Tata Group Companies) |
Nill Foreclosure after 12 EMI's & Partial Payment Options without any charges. | Rs.999 | |

Kotak Bank |
11% - 11.49%(Special Rates for Loan Amount above 10 lakhs) 10.99%(Salary above 75,000) 11.39%(Salary above 50,000 - 74999) 13.29%(Salary 35,000 - 49,999) 15.49%(Salary 20,000 - 34,999) 11.79% - 12.99%(BT Rates for Listed Companies) |
Rs.2585 - Rs.2608 (Special Rates for Loan Amount above 10 lakhs) Rs.2584 (Salary above 75,000) Rs.2604 (Salary above 50,000 - 74999) Rs.2697 (Salary 35,000 - 49,999) Rs.2808 (Salary 20,000 - 34,999) Rs.2623 - Rs.2682 (BT Rates for Listed Companies) |
11% - 11.49%(Special Rates for Loan Amount above 10 lakhs) 10.99%(Salary above 75,000) 11.39%(Salary above 50,000 - 74999) 13.29%(Salary 35,000 - 49,999) 15.49%(Salary 20,000 - 34,999) 11.79% - 12.99%(BT Rates for Listed Companies) |
Rs.2585 - Rs.2608 (Special Rates for Loan Amount above 10 lakhs) Rs.2584 (Salary above 75,000) Rs.2604 (Salary above 50,000 - 74999) Rs.2697 (Salary 35,000 - 49,999) Rs.2808 (Salary 20,000 - 34,999) Rs.2623 - Rs.2682 (BT Rates for Listed Companies) |
11.25% - 11.49%(Special Rates for Loan Amount above 10 lakhs) 15.49%(Salary above 75,000) 15.99%(Salary above 50,000 - 74999) 16.75%(Salary 35,000 - 49,999) 17.25%(Salary 25,000 - 34,999) 12.99% - 15%(BT Rates for Listed Companies) |
Rs.2597 (Special Rates for Loan Amount above 10 lakhs) Rs.2808 (Salary above 75,000) Rs.2834 (Salary above 50,000 - 74999) Rs.2873 (Salary 35,000 - 49,999) Rs.2898 (Salary 25,000 - 34,999) Rs.2682 (BT Rates for Listed Companies) |
Zero (if loan Amount is more than 10 lakhs) Else 5% | Rs.1999 - 2.5% | |

State Bank of India/SBI(SBI Saral) |
11.95% - 16.55% |
Rs.2631 - Rs.2862 |
11.95% - 16.55% |
Rs.2631 - Rs.2862 |
11.95% - 16.55% |
Rs.2631 | N.A | 1.01% of the loan amount | |

Fullerton India |
14% - 33% |
Rs.2733 - Rs.3777 | Upto 7.00%, 0% after 3 years | 2% | |||||

Standard Chartered Bank |
10.99%(Salary > 2,00,000) 11.25%(Salary > 1,50,000) 11.49%(Salary > 75,000 ) 11.99%(For 50,000 - 75,000 Salary) 13.49%(Salary < 50,000) |
Rs.2584 (Salary > 2,00,000) Rs.2597 (Salary > 1,50,000) Rs.2608 (Salary > 75,000 ) Rs.2633 (For 50,000 - 75,000 Salary) Rs.2707 (Salary < 50,000) |
10.99%(Salary > 2,00,000) 11.25%(Salary > 1,50,000) 11.49%(Salary > 75,000 ) 11.99%(For 50,000 - 75,000 Salary) 13.49%(Salary < 50,000) |
Rs.2584 (Salary > 2,00,000) Rs.2597 (Salary > 1,50,000) Rs.2608 (Salary > 75,000 ) Rs.2633 (For 50,000 - 75,000 Salary) Rs.2707 (Salary < 50,000) |
10.99%(Salary > 2,00,000) 11.25%(Salary > 1,50,000) 11.99%(Salary > 75,000 ) 12.99%(For 50,000 - 75,000 Salary) 14.49%(Salary < 50,000) |
Rs.2584 (Salary > 2,00,000) Rs.2597 (Salary > 1,50,000) Rs.2633 (Salary > 75,000 ) Rs.2682 (For 50,000 - 75,000 Salary) Rs.2757 (Salary < 50,000) |
Upto 2% | Zero for ALL | |

HDBFS |
17%(For 35,000 - 75,000 salary) 18%(Below 35,000 salary) 16%(for 75,000 & above salary) |
Rs.2886 (For 35,000 - 75,000 salary) Rs.2937 (Below 35,000 salary) Rs.2834 (for 75,000 & above salary) |
16%(for 75,000 & above salary) 17%(for 35,000 - 75,000 salary) 18%(below 35,000 salary) |
Rs.2834 (for 75,000 & above salary) Rs.2886 (for 35,000 - 75,000 salary) Rs.2937 (below 35,000 salary) |
17%(for 75,000 & above salary) 18%(for 35,000 - 75,000 salary) 21%( below 35,000 salary) |
Rs.2886 (for 75,000 & above salary) Rs.2937 (for 35,000 - 75,000 salary) Rs.3097 ( below 35,000 salary) |
NIL for Select Corporates Employees (CAT A & B) 4% For Rest | 1% - 2% | |

Citibank |
11.49% - 16.5% |
Rs.2608 - Rs.2860 | Upto 3% | ||||||

IndusInd Bank |
13.75% - 14.25%(For 50,000- 1 Lac Salary) 14.5% - 15.25%(Below 50,000 Salary) 12.99% - 13.5%(For 1 Lac & above Salary) |
Rs.2720 - Rs.2745 (For 50,000- 1 Lac Salary) Rs.2758 - Rs.2796 (Below 50,000 Salary) Rs.2682 - Rs.2708 (For 1 Lac & above Salary) |
14% - 14.5%(For 1 Lac & above Salary) 15% - 15.5%(For 50,000- 1 Lac Salary) 16% - 16.5%(Below 50,000 Salary) |
Rs.2733 - Rs.2758 (For 1 Lac & above Salary) Rs.2783 - Rs.2808 (For 50,000- 1 Lac Salary) Rs.2834 - Rs.2860 (Below 50,000 Salary) |
17.5% - 18.5%(For 1 Lac & above Salary) 18% - 19%(For 50,000- 1 Lac Salary) 19% - 20%(Below 50,000 Salary) |
Rs.2911 (For 1 Lac & above Salary) Rs.2937 (For 50,000- 1 Lac Salary) Rs.2990 (Below 50,000 Salary) |
4% | 0.5% - 2% | |

Axis Bank |
16%(For CAT A) 15%(For Super CAT A) |
Rs.2834 (For CAT A) Rs.2783 (For Super CAT A) |
17% |
Rs.2886 |
19% - 20% |
Rs.2990 | Nill | 2% | |

Andhra Bank |
15.75% - 16.75% |
Rs.2821 - Rs.2873 |
16.75% - 18.75% |
Rs.2873 - Rs.2977 | Rs250 - Rs1000/- | ||||

Bank of Baroda |
14.75% |
Rs.2770 |
14.75% |
Rs.2770 | |||||

Corporation Bank |
14.5%(undertaking letter required) |
Rs.2758 (undertaking letter required) |
N.A. | Rs.2126 - Rs.2126 | N.A. | Rs.2126 | N.A. | N.A. | |

United Bank Of India |
16%(12%(For pensioners)) |
Rs.2834 (12%(For pensioners)) |
16% - 18%(12%(For pensioners)) |
Rs.2834 - Rs.2937 (12%(For pensioners)) |
16% - 18%(12%(For pensioners)) |
Rs.2834 (12%(For pensioners)) |
N.A. | N.A. | |

Vijaya Bank |
16% |
Rs.2834 | N.A. | Rs.2126 | N.A. | Rs.2126 | N.A. | N.A. | |

Transfer your personal loan to HDFC Bank |
As Low As 12.99% | Flat Processing Fee of Rs 999/- |

**References:**

CAT A – Category A: Top 1000 companies

CAT B – Category B: Multi national Companies (MNCs)

CAT C – Category C: Small Companies

Non Listed : Small Companies with 100(or less) Employees

Loan Surrogates : Having Currently Active Loan from any Bank

* Please note that the interest rates given here are based on the market research. To make comparisons easy certain information has been restructured/reorganized. Please make sure to check the information with the individual Bank before moving further.

** Banks/Financial Institutions can contact us at customercare@deal4loans.com for inclusions or updates.

__Factors Influencing Interest Rates__

**Income :** Banks tend to impose a certain limit corresponding to various Interest Rates. Applicants with higher income naturally end up getting minimum Interest Rates.

** Employer Status :** Working for a well known corporate organization has its benefits. Being employed at a reknown Organization, boosts the chances of getting a lower Interest Rate.

**Credit and Payment History :** CIBIL scores provide banks with a decent idea of your credit history. The higher your CIBIL Score higher the chances of getting a Loan at Low Interest Rates. Meanwhile low CIBIL scores can lead to even rejection of application.

**Relationship with Bank :** The Bank with which the applicant has a Personal Account is likely to offer lower Interest Rates, considering the association with the bank.