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.

 

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