Personal Loan at Lowest Rates in India

Instant personal loans up to ₹40 lakhs for any purpose. Rates from 10.5% p.a. | 30+ lenders | Quick approval

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Personal Loan Eligibility Calculator

Check your maximum eligible loan amount in 30 seconds

Your Profile

Rs. 10K Rs. 5L
21 60
Rs. 0 Rs. 1L
Max Eligible Amount
Rs. 12,00,000
Recommended Tenure
36 months
Estimated EMI @ 11%
Rs. 36,000

Key Eligibility Info

FOIR Limit: 50%
Your total EMIs cannot exceed 50% of monthly salary
Processing Time: 24 hrs
Approval and disbursal within 24-48 hours
Loan Tenure: 1-5 years
Choose tenure that fits your budget

Personal Loan Eligibility by Lender (2026)

Lender Min Income Min CIBIL Max Amount Interest Rate Tenure
SBI Personal Loan Rs. 15,000 700 Rs. 30 Lakh 10.25%+ 12-84 months
HDFC Personal Loan Rs. 20,000 725 Rs. 40 Lakh 10.75%+ 12-72 months
ICICI Bank Rs. 15,000 700 Rs. 25 Lakh 10.5%+ 12-72 months
Bajaj Finserv Rs. 12,000 650 Rs. 25 Lakh 11%+ 12-60 months
Axis Bank Rs. 18,000 700 Rs. 35 Lakh 10.99%+ 12-72 months
Kotak Mahindra Rs. 20,000 725 Rs. 40 Lakh 10.99%+ 12-60 months
10.5%
Starting Interest Rate
24 hrs
Approval Time
30+
Lending Partners
₹40L
Maximum Loan

What is Personal Loan?

Get instant personal loans up to ₹40 lakhs for any purpose — medical emergencies, travel, wedding, home renovation or debt consolidation. Express Credit Hub compares 30+ leading banks and NBFCs to find you the lowest rate.

  • Interest rates from 10.5% p.a.
  • Loan amount from ₹50,000 to ₹40 Lakhs
  • Flexible tenure: 6 to 60 months
  • Zero prepayment charges after 12 months
  • Minimal documents — just 4 docs
  • 100% online process
  • Approval in 24 hours

Need Quick Cash?

Get personal loan up to ₹40 lakhs in 24 hours.

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Frequently Asked Questions

What documents are needed for Personal Loan?

You need Aadhaar Card, PAN Card, last 3 months salary slips (or ITR for self-employed), and last 6 months bank statement.

What is the minimum salary for Personal Loan?

Minimum ₹20,000/month for salaried applicants. Self-employed need minimum ₹3 lakhs annual business turnover.

Can I get a personal loan with low CIBIL score?

Yes, we work with lenders who approve personal loans for CIBIL scores as low as 600. However, interest rates may be higher.

What is the maximum personal loan amount?

You can get personal loans up to ₹40 lakhs depending on your income, CIBIL score, and employment type. Maximum eligible amount is 40-50 times your monthly income.

How fast is personal loan approval?

Personal loan approval is typically within 24 hours. Some lenders offer instant approval within 10 minutes. Disbursal happens within 48-72 hours after approval.

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