Personal Loan Rates Crash to 9.75% in March 2026 — Big Relief for Borrowers
Personal loan interest rates drop to 9.75% in March 2026. Check how this impacts borrowers, EMIs, and loan eligibility. Expert insights by F…
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IDFC First Bank
Interest Rate Range
Starting at 9.99 % onwards
Starting at 9.99 % onwards
Processing Fee
1%
1%
Max Loan Amount
₹ 1 cr
₹ 1 cr
Tenure Range
6 months to 5 years
6 months to 5 years
Incred
Interest Rate Range
Starting at 13.99 % onwards
Starting at 13.99 % onwards
Processing Fee
0-1%
0-1%
Max Loan Amount
₹ 15 Lakhs
₹ 15 Lakhs
Tenure Range
1 to 5 years
1 to 5 years
Bajaj Finserv
Interest Rate Range
Starting from 10.25% onwards
Starting from 10.25% onwards
Processing Fee
0.5-3.93%
0.5-3.93%
Max Loan Amount
upto 55 lakhs
upto 55 lakhs
Tenure Range
Upto 8 Years
Upto 8 Years
Axis Bank
Interest Rate Range
Starting at 10.49% onwards
Starting at 10.49% onwards
Processing Fee
0-1%
0-1%
Max Loan Amount
₹ 15 Lacs
₹ 15 Lacs
Tenure Range
1 to 5 years
1 to 5 years
TATA FLY
Interest Rate Range
Starting at 18% onwards
Starting at 18% onwards
Processing Fee
1- 3%
1- 3%
Max Loan Amount
₹25,00,000
₹25,00,000
Tenure Range
1 to 6 years
1 to 6 years
Tata Capital
Interest Rate Range
Starting at 10.99 % onwards
Starting at 10.99 % onwards
Processing Fee
0-1%
0-1%
Max Loan Amount
₹ 35 lakhs
₹ 35 lakhs
Tenure Range
upto 6 Years
upto 6 Years
Bajaj Growth Location
Interest Rate Range
NA
NA
Processing Fee
NA
NA
Max Loan Amount
NA
NA
Tenure Range
NA
NA
HDFC Bank
Interest Rate Range
Starting at 10.75% onwards
Starting at 10.75% onwards
Processing Fee
2.50%
2.50%
Max Loan Amount
₹ 40 Lakhs
₹ 40 Lakhs
Tenure Range
1 to 5 years
1 to 5 years
Fibe
Interest Rate Range
Starting at 18% onwards
Starting at 18% onwards
Processing Fee
2%
2%
Max Loan Amount
5 Lakhs
5 Lakhs
Tenure Range
6 to 36 months
6 to 36 months
SMFG India Credit
Interest Rate Range
Starting at 13% onwards
Starting at 13% onwards
Processing Fee
Up to 5%
Up to 5%
Max Loan Amount
Up to INR 30 Lakh*
Up to INR 30 Lakh*
Tenure Range
1 to 5 years
1 to 5 years
Bajaj SOL
Interest Rate Range
Starting at 13% onwards
Starting at 13% onwards
Processing Fee
0-4%
0-4%
Max Loan Amount
upto 25 Lakhs
upto 25 Lakhs
Tenure Range
1-5 years
1-5 years
Poonawalla Fincorp
Interest Rate Range
Starting at 10.25% onwards
Starting at 10.25% onwards
Processing Fee
3%
3%
Max Loan Amount
50 Lakhs
50 Lakhs
Tenure Range
1-7 years
1-7 years
Bajaj Prime Location
Interest Rate Range
NA
NA
Processing Fee
NA
NA
Max Loan Amount
NA
NA
Tenure Range
NA
NA
Axis Finance
Interest Rate Range
Starting at 10% onwards
Starting at 10% onwards
Processing Fee
0-3%
0-3%
Max Loan Amount
₹ 50 Lakhs
₹ 50 Lakhs
Tenure Range
1 to 7 years
1 to 7 years
Bandhan Bank
Interest Rate Range
Starting at 9.99 % onwards
Starting at 9.99 % onwards
Processing Fee
3%
3%
Max Loan Amount
₹ 35 Lakhs
₹ 35 Lakhs
Tenure Range
1 to 5 years
1 to 5 years
Finnable
Interest Rate Range
Starting at 12% onwards
Starting at 12% onwards
Processing Fee
0-1%
0-1%
Max Loan Amount
₹ 10 Lacs
₹ 10 Lacs
Tenure Range
1-5 years
1-5 years
FairCent
Interest Rate Range
Starting at 9.99 % onwards
Starting at 9.99 % onwards
Processing Fee
0-3%
0-3%
Max Loan Amount
₹ 10 lakhs
₹ 10 lakhs
Tenure Range
6 months to 3 years
6 months to 3 years
Upwards
Interest Rate Range
Starting at 18% onwards
Starting at 18% onwards
Processing Fee
0-2%
0-2%
Max Loan Amount
₹ 5 Lakhs
₹ 5 Lakhs
Tenure Range
1 to 5 years
1 to 5 years
Moneyview
Interest Rate Range
Starting at 14% onwards
Starting at 14% onwards
Processing Fee
2%
2%
Max Loan Amount
₹ 10 Lakhs
₹ 10 Lakhs
Tenure Range
1 to 5 years
1 to 5 years
IIFL
Interest Rate Range
Starting at 12.75% onwards
Starting at 12.75% onwards
Processing Fee
0-3%
0-3%
Max Loan Amount
₹ 1 lacs to 25 lacs
₹ 1 lacs to 25 lacs
Tenure Range
1 to 5 years
1 to 5 years
IndusInd Bank
Interest Rate Range
Starting at 10.49% onwards
Starting at 10.49% onwards
Processing Fee
0-2%
0-2%
Max Loan Amount
50 Lakhs
50 Lakhs
Tenure Range
1 to 4 years
1 to 4 years
Kotak Bank
Interest Rate Range
Starting at 10.99 % onwards
Starting at 10.99 % onwards
Processing Fee
0-2%
0-2%
Max Loan Amount
₹ 30 Lakhs
₹ 30 Lakhs
Tenure Range
1 to 5 years
1 to 5 years
ICICI Bank
Interest Rate Range
Starting at 10.25% onwards
Starting at 10.25% onwards
Processing Fee
0-1%
0-1%
Max Loan Amount
₹ 50 Lakhs
₹ 50 Lakhs
Tenure Range
1 to 6 years
1 to 6 years
HDB Financial
Interest Rate Range
Starting at 10% onwards
Starting at 10% onwards
Processing Fee
0-3%
0-3%
Max Loan Amount
upto ₹ 20 lakhs
upto ₹ 20 lakhs
Tenure Range
1 to 5 years
1 to 5 years
Karur Vysya Bank
Interest Rate Range
Starting at 11.15% onwards
Starting at 11.15% onwards
Processing Fee
0.50%
0.50%
Max Loan Amount
upto ₹ 75 lacs
upto ₹ 75 lacs
Tenure Range
1 to 6 years
1 to 6 years
Union Bank of India
Interest Rate Range
Starting at 11.35% onwards
Starting at 11.35% onwards
Processing Fee
1.0%
1.0%
Max Loan Amount
upto 15 lakhs
upto 15 lakhs
Tenure Range
1 to 5 years
1 to 5 years
Canara Bank
Interest Rate Range
Starting at 10.95% onwards
Starting at 10.95% onwards
Processing Fee
0.50%
0.50%
Max Loan Amount
Upto 30 Lakhs
Upto 30 Lakhs
Tenure Range
1 to 7 years
1 to 7 years
Federal Bank
Interest Rate Range
Starting at 11.49 % onwards
Starting at 11.49 % onwards
Processing Fee
2.50%
2.50%
Max Loan Amount
₹ 50 lakhs
₹ 50 lakhs
Tenure Range
1 to 5 years
1 to 5 years
muthoot finance
Interest Rate Range
10.25%
10.25%
Processing Fee
0-3%
0-3%
Max Loan Amount
25 Lkahs
25 Lkahs
Tenure Range
1 to 6 year
1 to 6 year
Yes Bank
Interest Rate Range
Starting at 10.99% onwards
Starting at 10.99% onwards
Processing Fee
2%
2%
Max Loan Amount
₹ 40 lakhs
₹ 40 lakhs
Tenure Range
1 to 5 years
1 to 5 years
Aditya Birla Capital
Interest Rate Range
Starting at 10.99 % onwards
Starting at 10.99 % onwards
Processing Fee
2%
2%
Max Loan Amount
₹ 50 Lakhs
₹ 50 Lakhs
Tenure Range
0 to 7 years
0 to 7 years
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Frequently Asked Questions
A personal loan is an unsecured credit that helps meet financial needs like travel, wedding, medical expenses, or home renovation, repaid in EMIs.
Visit FinCrif.com, fill out the quick online form, upload your KYC and income proofs, and receive instant eligibility offers from partner banks and NBFCs.
FinCrif partners with multiple RBI-registered lenders offering interest rates starting from 10% p.a., depending on your credit score and income.
You’ll need Aadhaar, PAN, address proof, last 6 months’ bank statements, and 3 months’ salary slips (for salaried) or ITR (for self-employed).
Some lenders accept alternate income proofs like bank statements, Form 16, or rental income to verify your repayment capacity.
FinCrif is a digital aggregator that works only with RBI-registered banks and NBFCs to ensure safe and compliant loan services.
With eKYC and verified documents, loan approval can happen the same day, and disbursal is usually within 24 to 48 hours.
Lenders may charge a processing fee of 1–3% of the loan amount, plus applicable documentation or prepayment charges.
No. Personal loans are unsecured; you don’t need to pledge any asset. Approval depends on your credit score and income.
Yes, most lenders allow pre-closure or part-payment after 6–12 EMIs, subject to a small foreclosure charge.
