{"id":33396,"date":"2023-08-28T12:35:14","date_gmt":"2023-08-28T12:35:14","guid":{"rendered":"https:\/\/www.tatacapital.com\/blog\/?p=33396"},"modified":"2025-05-09T12:37:58","modified_gmt":"2025-05-09T07:07:58","slug":"comparison-of-personal-loan-interest-rate-this-year","status":"publish","type":"post","link":"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/comparison-of-personal-loan-interest-rate-this-year\/","title":{"rendered":"Personal Loan Interest Rate Comparison in India"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p>When looking to borrow, choosing the right lender can make a big difference in how much you repay. That\u2019s why doing a personal loan interest rates comparison is crucial before signing on the dotted line.<\/p>\n\n\n\n<p>Interest rates in India vary widely based on factors like credit score, income, and the lender\u2019s internal policies. Whether you&#8217;re borrowing for a wedding, travel, or emergency, taking time to compare personal loan interest rates in India can help you find the most cost-effective option. In this guide, we break down the latest rates offered by leading banks and NBFCs to help you make an informed choice.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is a Personal Loan Interest Rate?<\/strong><\/h2>\n\n\n\n<p>The personal loan interest rate is the cost of borrowing money from a lender. It\u2019s expressed as a percentage of the loan amount and can be fixed or floating, depending on the lender&#8217;s terms.<\/p>\n\n\n\n<p>The personal loan interest rate determines your monthly EMI and the total repayment amount over the loan tenure. Ultimately, the rate you are offered will depend on factors like your credit score, income, employment stability, etc. Lower rates mean more affordable repayments, making it essential to compare offers before choosing a lender.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>Personal Loan Interest Rates Offered by Other Banks &amp; NBFCs<\/strong><\/h2>\n\n\n\n<p>Personal loan interest rate comparison chart makes it easier to understand and carry out interest rate comparison of personal loan interest rates in different banks. Here\u2019s a tabular comparison to help you compare personal loan interest rates in India across leading banks and NBFCs.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><td><strong>Bank\/NBFC<\/strong><\/td><td><strong>Interest Rates (p.a.)<\/strong><\/td><\/tr><\/thead><tbody><tr><td>Kotak Mahindra Bank<\/td><td>10.99% \u2013 16.99%<\/td><\/tr><tr><td>HDFC Bank<\/td><td>10.90% \u2013 24.00%<\/td><\/tr><tr><td>Federal Bank<\/td><td>12.00% \u2013 22.50%<\/td><\/tr><tr><td>ICICI Bank<\/td><td>10.85% \u2013 16.65%<\/td><\/tr><tr><td>Axis Bank<\/td><td>11.25% onwards<\/td><\/tr><tr><td>IndusInd Bank<\/td><td>10.49% onwards<\/td><\/tr><tr><td>IDFC FIRST Bank<\/td><td>10.99% onwards<\/td><\/tr><tr><td>Aditya Birla Finance<\/td><td>10.99% onwards<\/td><\/tr><tr><td>DBS Bank<\/td><td>10.99% \u2013 30.00%<\/td><\/tr><tr><td>Poonawalla Fincorp<\/td><td>18.00% \u2013 36.00%<\/td><\/tr><tr><td>Tata Capital<\/td><td>11.99% \u2013 29.99%<\/td><\/tr><tr><td>YES Bank<\/td><td>11.25% \u2013 21.00%<\/td><\/tr><tr><td>L&amp;T Finance<\/td><td>11.00% onwards<\/td><\/tr><tr><td>Piramal Finance<\/td><td>12.90% onwards<\/td><\/tr><tr><td>HDB Financial Services<\/td><td>10.00% \u2013 35.00%<\/td><\/tr><tr><td>Hero Fincorp<\/td><td>19.75% \u2013 37.75%<\/td><\/tr><tr><td>SMFG India Credit<\/td><td>13.00% onwards<\/td><\/tr><tr><td>Moneyview<\/td><td>14.00% \u2013 36.00%<\/td><\/tr><tr><td>PaySense<\/td><td>1.4% \u2013 2.3% per month<\/td><\/tr><tr><td>InCred Financial Services<\/td><td>13.99% onwards<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>Why do Banks and NBFCs offer Different Interest Rates on Personal Loans?<\/strong><\/h2>\n\n\n\n<p>Banks and NBFCs offer different interest rates on personal loans mainly because each follows its own way of assessing risk and pricing. They don\u2019t use a one-size-fits-all approach. Instead, they consider factors like your credit score, income, job type, and existing financial obligations to decide how risky it is to lend to you.<\/p>\n\n\n\n<p>Banks typically prefer salaried applicants with steady incomes, especially those working in government or well-established companies. Since the risk is lower, they often offer better interest rates. On the other hand, NBFCs cater to a wider range of borrowers, such as those with limited credit history or irregular incomes so they may charge higher rates to balance the risk.<\/p>\n\n\n\n<p>Other factors like how much it costs them to lend, their operating expenses, and even internal policies also impact the final interest rate you\u2019re offered. That\u2019s why it\u2019s always a smart move to compare <a href=\"https:\/\/www.tatacapital.com\/personal-loan.html\">personal loan<\/a> offers from multiple lenders before deciding. It helps you find the best deal for your specific financial situation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>Factors Affecting Personal Loan Interest Rates<\/strong><\/h2>\n\n\n\n<p>Banks and NBFCs offer different personal loan interest rates based on several key factors, primarily influenced by their cost of funds and credit risk evaluation processes. These variations explain why interest rates can differ significantly from one lender to another for the same applicant.<\/p>\n\n\n\n<p>1. <strong>Credit Score: <\/strong>Most lenders look at your credit score first. If it\u2019s 750 or above, you\u2019re seen as financially disciplined and less likely to default. That usually means better interest rates for you.<\/p>\n\n\n\n<p>2. <strong>Income: <\/strong>If you earn a good monthly salary, lenders may offer you a lower rate. A higher income means less risk for them and more confidence in your repayment ability.<\/p>\n\n\n\n<p>3. <strong>Job Profile: <\/strong>Salaried individuals often get better rates than self-employed ones. And if you work with the government or a PSU, you might get even better terms thanks to the job security.<\/p>\n\n\n\n<p>4. <strong>Job Stability: <\/strong>Lenders prefer applicants with steady jobs. If you\u2019ve been switching jobs frequently, they may consider you a higher risk and offer a higher interest rate or possibly even reject the loan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>How to Get the Lowest Interest Rate on a Personal Loan?<\/strong><\/h2>\n\n\n\n<p>Personal loan interest rates can make a big difference in how much you end up repaying. Even a 1\u20132% difference can lead to substantial savings over the loan tenure. Here are some smart ways to increase your chances of getting a personal loan at a lower interest rate:<\/p>\n\n\n\n<ul>\n<li><strong>Keep Your Credit Score Healthy<\/strong>: A good credit score is one of the most important factors lenders consider. If your score is 750 or higher, you\u2019re more likely to be offered attractive interest rates.<\/li>\n<\/ul>\n\n\n\n<p>To maintain or improve your score:<\/p>\n\n\n\n<p>1. Pay credit card bills and EMIs on time<\/p>\n\n\n\n<p>2. Avoid applying for too many credit cards or loans in a short span<\/p>\n\n\n\n<p>3. Check your credit report regularly for errors. If you spot any mistakes, raise a request with the lender or credit bureau to get them corrected.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<ul>\n<li><strong>Use Your Existing Relationship: <\/strong>Already have a savings account, loan, or credit card with a lender? Reach out to them before applying elsewhere. Lenders often extend special rates or pre-approved personal loans to existing customers because they already have your financial data and trust your credit behaviour. Use these offers as a benchmark when comparing with others.<\/li>\n\n\n\n<li><strong>Avoid Applying to Multiple Lenders at Once: <\/strong>Submitting multiple loan applications in a short period can harm your credit score. Every lender pulls your credit report (a \u201chard inquiry\u201d), and too many of these can lower your score. Instead, research first, narrow down your top options, and then apply selectively.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>Compare Offers Online: <\/strong>Take advantage of online financial marketplaces and loan comparison platforms. These websites let you:<\/li>\n<\/ul>\n\n\n\n<p>1. Compare interest rates<\/p>\n\n\n\n<p>2. Check loan tenures, fees, and disbursal times<\/p>\n\n\n\n<p>3. View offers tailored to your credit profile<\/p>\n\n\n\n<p>Most of these platforms only do a soft inquiry, which won\u2019t impact your credit score.<\/p>\n\n\n\n<ul>\n<li><strong>Time Your Loan Right: <\/strong>Festive seasons, year-end offers, or special promotional campaigns often come with reduced interest rates. If your need isn\u2019t urgent, waiting for such periods could get you a better deal.<\/li>\n\n\n\n<li><strong>Final Tip<\/strong>: Personal loans are unsecured, so lenders will always assess your risk profile before offering a rate. The better your financial habits and credit history, the more negotiating power you\u2019ll have. Always compare, verify, and apply wisely.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>Why Tata Capital is a Top Choice for Personal Loans<\/strong><\/h2>\n\n\n\n<p>In the bustling marketplace of personal loans in India, TATA Capital doesn\u2019t merely exist \u2013 it thrives. A consistent top performer in personal loan interest rates comparison, TATA Capital offers competitive rates that are difficult to overlook. But the allure of TATA Capital extends beyond attractive rates. It\u2019s the transparency of their terms, the speed of their loan disbursal and the commitment to customer-centric solutions that make them a standout choice.<\/p>\n\n\n\n<p>TATA Capital embodies the principles of fairness and clarity, ensuring that borrowers fully understand the terms of their loan. They set the standard for transparent lending, with no hidden charges or clauses. This transparency enables borrowers to make informed decisions, knowing the full extent of their commitment.<\/p>\n\n\n\n<p>Moreover, TATA Capital understands that when it comes to financial needs, time is of the essence. Their quick loan approval and disbursal process ensure that funds reach borrowers when they need them the most. It\u2019s the financial equivalent of a fast-acting remedy \u2013 providing timely relief for immediate financial needs.<\/p>\n\n\n\n<p>With TATA Capital, borrowers aren\u2019t just securing a loan; they\u2019re embarking on a journey towards financial stability and prosperity. That\u2019s why, in the personal loans arena, TATA Capital isn\u2019t just a participant \u2013 it is a beacon of trust, reliability and excellence.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>Exploring the realm of&nbsp;<a href=\"https:\/\/www.tatacapital.com\/personal-loan\/rates-and-charges.html\">personal loan interest rates<\/a>&nbsp;doesn\u2019t need to be a challenging endeavour. With the right partner, like TATA Capital, it can be a smooth sail. Ready to embark on your financial voyage? Visit TATA Capital\u2019s website today and explore their personal loan options tailored just for you. Remember, in the world of personal loans, knowledge is not just power; it is savings.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.tatacapital.com\/personal-loan\/emi-calculator.html \">Calculate your personal loan EMI<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When looking to borrow, choosing the right lender can make a big difference in how much you repay. That\u2019s why doing a personal loan interest rates comparison is crucial before signing on the dotted line. Interest rates in India vary widely based on factors like credit score, income, and the lender\u2019s internal policies. Whether you&#8217;re [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":33397,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[24],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Personal Loan Interest Rate Comparison 2025 | Tata Capital<\/title>\n<meta name=\"description\" content=\"Compare personal loan interest rates in different banks &amp; NBFCs for 2025. Check the latest rates and choose a suitable option with flexible loan offers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Personal Loan Interest Rate Comparison 2025 | Tata Capital\" \/>\n<meta property=\"og:description\" content=\"Compare personal loan interest rates in different banks &amp; NBFCs for 2025. 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