Compare personal loan rates from top banks. Rates starting at 9.99% p.a. for salaried professionals. Instant eligibility, minimal documentation.
No impact on CIBIL score · No credit bureau check · Result is instant and free
Enter your loan details to instantly calculate your monthly EMI, total interest payable, and total repayment amount.
Indicative calculation using reducing balance method. Actual EMI may vary by lender.
Real interest rates and processing fees from India's leading personal loan lenders for salaried professionals.
| Bank / NBFC | Interest Rate (p.a.) | Processing Fee | Max Amount | Max Tenure | Key Highlight |
|---|---|---|---|---|---|
| IDFC First Bank | 9.99% – 20% | Up to 3.5% + GST | ₹1 crore | 7 years | Zero foreclosure on FIRSTmoney; 100% digital |
| ICICI Bank | 10.50% – 16.00% | Up to 2% + GST | ₹50 lakh | 7 years | Instant pre-approved offers for existing customers |
| HDFC Bank | 9.99% – 24.00% | ₹6,500 + GST (or up to 2.5%) | ₹40 lakh | 6 years | Largest personal loan book in India; flexi EMI |
| Axis Bank | 9.99% – 22.00% | Up to 2% + GST | ₹40 lakh | 5 years | Step-up EMI option; digital doorstep service |
| Bajaj Finserv | 11.00% – 35.00% | Up to 3.99% + GST | ₹40 lakh | 8 years | Longest tenure; Flexi Loan reduces EMI mid-tenure |
| Tata Capital | 10.99% – 35.00% | Up to 2.75% + GST | ₹35 lakh | 6 years | Competitive for salaried govt/PSU employees |
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Most salaried professionals in India meet basic eligibility. Here's what banks typically look for.
Salaried employee at a private company, MNC, or government organisation. Minimum 1 year total experience, 6 months with current employer.
₹25,000/month for metro cities; ₹15,000–₹20,000 for non-metro. Higher salary unlocks larger loan amounts and lower rates.
700+ CIBIL score for the best rates. 650–699 is still eligible with most lenders but expect rates 2–4% higher.
21–60 years at the time of application. Some banks extend to 65 for government employees.
Fixed obligation to income ratio (total EMIs ÷ monthly salary) should ideally be below 50%. High FOIR reduces approved loan amount.
PAN card, Aadhaar, 3 months salary slips, 6 months bank statements, Form 16 (for some lenders).
The entire process is typically completed in 24–72 hours for salaried applicants.
Pull your free CIBIL report. If your score is below 700, spend 3–6 months improving it before applying — it directly affects your rate.
Don't just go to your salary account bank. Use the comparison table above to shortlist 2–3 lenders with the best rates for your profile.
Fill the application form on the lender's website or app. Upload salary slips, bank statement, PAN, and Aadhaar. Most banks have fully paperless processes.
Bank verifies your documents and runs a credit check (hard inquiry). Pre-approved customers often get instant approval; fresh applicants typically hear back in 1–2 business days.
Funds credited to your bank account — usually within 24 hours of approval. Check the loan agreement carefully before signing: rate, tenure, prepayment charges.
Get an instant personalised assessment — your approval odds, recommended loan amount, and expert tips. Takes 30 seconds.
Interest rates shown are indicative ranges as of May 2026 and subject to change at the lender's discretion. Actual rate offered depends on your credit profile, income, employer category, and loan amount. EMI Saathi is a financial information platform and does not guarantee loan approval or specific rate offers. Always read the loan agreement carefully before signing.