Rates range from 10.49% to 24%+ depending on your CIBIL score, employer category, and income. 750+ CIBIL score gets you the best rates. Salaried employees at MNCs/PSUs get preferential rates.

How much personal loan can I get on my salary? +

Most banks offer 20–25× monthly net salary. On ₹50,000/month salary you can get ₹10–12.5L. Final amount depends on existing EMIs (FOIR should be below 50–55% of income).

Is there a prepayment penalty on personal loans? +

Most banks charge 2–5% of outstanding principal for prepayment. Some lenders (Bajaj, HDFC) offer zero prepayment after 12 months. Always check your loan agreement before prepaying.

Personal loan vs credit card — which is cheaper? +

Personal loans (10–18%) are significantly cheaper than credit card interest (36–42% APR). For amounts above ₹50,000 that you can't repay in one cycle, a personal loan is always better.

⚠️ EMI figures are estimates for planning purposes only. Lender rates change frequently. Always verify current rates directly with your bank or NBFC before applying.

Personal Loan Calculator —Instant EMI Result

Personal Loan Calculator —
Instant EMI Result