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The List of Best Personal Loan Deals is Here!

As lenders have ramped up television, digital and print ads regarding best personal loan deals, you must be getting confused as to which to pick. While some emphasize on the lowest interest rate offers, others come with zero processing fee and attractive balance transfer options. To make it easy for you, we have jotted down some of the best personal loan offers available right now. So, read and have your pick.

Seeking Customized Interest Rate Offers? These HDFC Personal Loan Deals Could be the Ones to Choose from

HDFC Bank offers personal loans at interest rates starting from as low as 10.75% per annum. Plus, there are special offers for individuals working in top firms such as Tata Consultancy Services, Cognizant Technology Solutions India Private Limited, Accenture Solutions Private Limited, Wipro Limited, HCL Technologies Limited, etc.

IncomeInterest Rate (In Per Annum)Processing Fee
NTH>50K 10.75%-10.90%INR 1,999 - INR 3,999
NTH>35K11.00%-11.10%INR 1,999 - INR 3,999
NTH<35K12.25%-12.35%INR 1,999 - INR 3,999

Offers Applicable to Employees Working in Different Industries

Focus Industry Offer No. of CorporatesIncomeIRRProcessing Fee
Pharma38NTH>=35K
14.75% (Corporate Salary Account Holders i.e. HDFC Bank Salary A/C)1.50%
14.85% (Non-corporate Salary Account Holders i.e. HDFC Bank Saving A/C or Non-liability A/C)
Automobile & Aviation61NTH>=35K14.75% (Corporate Salary Account Holders i.e. HDFC Bank Salary A/C)1.50%
14.85% (Non-corporate Salary Account Holders i.e. HDFC Bank Saving A/C or Non-liability A/C)

Offers Applicable to Government Employees

Government OfferNo. of CorporatesIncomeIRRProcessing Fee (of the loan amount)
Government Employees CAT A (GA) & CAT B (GB)Working with Central and State GovernmentNTH>=50K15.49% (Corporate Salary Account Holders i.e. HDFC Bank Salary A/C)1.75%
15.65% (Non-corporate Salary Account Holders i.e. HDFC Bank Saving A/C or Non-liability A/C)
NTH>=35K15.75% (Corporate Salary Account Holders i.e. HDFC Bank Salary A/C)2.00%
15.90% (Non-corporate Salary Account Holders i.e. HDFC Bank Saving A/C or Non-liability A/C)
NTH>=24K17.25% (Corporate Salary Account Holders i.e. HDFC Bank Salary A/C)2.00%
17.35% (Non-corporate Salary Account Holders i.e. HDFC Bank Saving A/C or Non-liability A/C)
Maharatna, Navratna & Miniratna56NTH>=75K11.49% (Corporate Salary Account Holders i.e. HDFC Bank Salary A/C)1.50%
11.55% (Non- corporate Salary Account Holders i.e. HDFC Bank Saving A/C or Limited Liability A/C)
NTH>=50K11.99% (Corporate Salary Account Holders i.e. HDFC Bank Salary A/C)1.50%
12.15% (Non-corporate Salary Account Holders i.e. HDFC Bank Saving A/C or Non-liability A/C)
NTH>=35K13.99% (Corporate Salary Account Holders i.e. HDFC Bank Salary A/C)1.50%
14.15% (Non-corporate Salary Account Holders i.e. HDFC Bank Saving A/C or Non-liability A/C)
CRPF, CISF, SSB, ITBP & BSFAll15.75% (Corporate Salary Account Holders i.e. HDFC Bank Salary A/C)1.50%
15.90% (Non-corporate Salary Account Holders i.e. HDFC Bank Saving A/C or Non-liability A/C)
PensionerNTH>=35K15.49% (Corporate Salary Account Holders i.e. HDFC Bank Salary A/C)1.50%
15.90% (Non-corporate Salary Account Holders i.e. HDFC Bank Saving A/C or Non-liability A/C)
RailwaysAllNTH>=50K14.99% (Corporate Salary Account Holders i.e. HDFC Bank Salary A/C)1.50%
15.15% (Non-corporate Salary Account Holders i.e. HDFC Bank Saving A/C or Non-liability A/C)
NTH>=35K15.49% (Corporate Salary Account Holders i.e. HDFC Bank Salary A/C)1.50%
15.65% (Non-corporate Salary Account Holders i.e. HDFC Bank Saving A/C or Non-liability A/C)
NTH>=25K16.99% (Corporate Salary Account Holders i.e. HDFC Bank Salary A/C)1.50%
17.25% (Non-corporate Salary Account Holders i.e. HDFC Bank Saving A/C or Non-liability A/C)
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Personal Loan Rack Rates

Others will have offers as shown in the table below.

CO CAT/Product CATNTH BandSegmentIRR Processing Fee (Corporate Saving Account)Processing Fee (Non Corporate Saving Account)
All Categories except CAT D, CSA D, GC & NRI (includes ADFC)NTH >=75000Alpha15.50%-15.65%2.25%2.50%
NTH >=50000 to 75000Alpha15.75%-15.90%2.25%2.50%
NTH >=35000 to 50000Alpha15.75%-15.90%2.25%2.50%
NTH >=20000 to 35000Beta17.55%-17.70%2.25%2.50%
NTH <20000Beta17.55%-17.70%2.25%2.50%
CAT D/GCAllClassic21.30%-21.45%2.25%2.50%
CAT E/CAT NEWNTH >=100000Alpha15.75%-15.90%2.50%2.50%
NTH >=50000 -100000Beta17.55%-17.70%2.50%2.50%
NTH <50000Classic21.45%2.50%2.50%
CAT BBGNTH >=75000Alpha15.50%2.25%NA
NTH >=35000 -75000Beta17.00%2.25%NA
NTH <35000Classic21.45%2.25%NA
Defence (CAT GD/GE/GF)*Indian Army, Navy, AirForceAlpha15.75%-15.90%
HDFC Bank Staff/HSL StaffAllAlpha12.25%INR 1,999NA
NRI (Based on Average remittance taken for Eligibility)>=50000Alpha15.75%-15.90%2.25%2.50%
<50000Classic21.30%-21.45%2.25%2.50%

What’s on the Plate When it Comes to Balance Transfer?

HDFC Bank is also a prominent face when it comes to giving you the best balance transfer deal. So get the outstanding balance of other bank transferred to HDFC at lower rates and save on the repayment. However, it won’t be applicable to credit card balance transfer. The table below will showcase the balance transfer details of HDFC.

Program Loan Amount TransferredIncomeIRRProcessing Fee (of the loan amount)
All Balance Transfer (including application through loan assist App)>=0.50 Lakh (based on NTH Grids)
NTH>=35k

11.99%INR 4,999
All Balance Transfer (including application through loan assist App)>=0.50 Lakh (based on NTH Grids)
NTH<35k
13.25%INR 3,999
All Balance Transfer (including application through loan assist App)>=0.50 Lakh (based on NTH Grids)
NTH>=50K11.49%INR 4,999

ICICI Bank Personal Loan Offers for Different Segments

The Mumbai-headquartered private lender is one of the best in the personal loan segment. Like HDFC, it also has customized offers in abundance. There are offers according to the type of corporate an employee works with, the industry they are in, etc.

What’s the Deal That ICICI Offers to Salaried of Various Corporates?

Corporate Salary Band Special Corporate Offer (ICICI Bank Relationship)Special Corporate Offer (Non ICICI Bank Relationship)Processing Fee ((ICICI Bank Relationship)Processing Fee ((Non ICICI Bank Relationship)
Emerald CorporatesNTH >/= 35 K10.99%10.99%0.99%0.99%
Emerald CorporatesNTH < 35 K11.49%11.49%1.25%1.25%
Diamond CorporatesNTH >/= 35 K10.99%10.99%0.99%0.99%
Diamond CorporatesNTH < 35 K12.49%12.49%1.25%1.25%
Pearl CorporatesAll Bands13.99%14.75%0.99%1.25%
Ruby CorporatesAll Bands15.50%15.75%1.50%1.75%
Topaz CorporatesAll Bands15.50%15.75%1.50%1.75%

An Employee of ICICI or Reliance Group Companies? A Special Loan Offer Awaits You!

Special interest rates and processing fee offers are available to ICICI and Reliance Group employees. For details, check out the table below.

What’s in Store for Employees Across Different Industries?

Be greeted with the special offers if you are a part of any of the following industries.

Corporate Salary Band Special Corporate Offer (ICICI Bank Relationship)Special Corporate Offer (Non ICICI Bank Relationship)Processing Fee ((ICICI Bank Relationship)Processing Fee ((Non ICICI Bank Relationship)
BFSIAll Bands13.99%13.99%0.99%0.99%
PharmaAll Bands13.99%13.99%1.25%1.25%
Private BanksNTH >/= 75 K12.75%12.75%₹2,999/-₹2,999/-
Private BanksNTH 35K - 75K12.99%12.99%₹ 2,999/-₹2,999/-
Private BanksNTH <35 K13.49%13.49%₹2,999/-₹2,999/-
PSU BanksNTH >/= 50 K13.25%13.25%1.49%1.49%
PSU BanksNTH 35K - 50K14.70%14.70%1.49%1.49%
PSU BanksNTH <35 K15.75%15.75%1.49%1.49%

What’s There for the Government Employees?

Corporate Salary Band Special Corporate Offer (ICICI Bank Relationship)Special Corporate Offer (Non ICICI Bank Relationship)Processing Fee ((ICICI Bank Relationship)Processing Fee ((Non ICICI Bank Relationship)
Government-DiamondNTH >/= 75 K11.29%11.29%1.50%1.50%
Government-PearlNTH 35K - 75K11.50%11.50%1.50%1.50%
Government-RubyNTH <35 K13.50%13.50%1.50%1.50%

General ICICI Personal Loan Offers

ParticularsDetails
Interest Rate10.75% - 17.50%
Loan AmountUpto INR 40 Lakh
Tenure5 Years
Processing Fees (Non-Refundable)INR 1,999 - 2.25% of the loan amount + GST
Prepayment Charges5% of principal outstanding + GST
Additional Interest on late payment24% per annum
Repayment Mode Swap ChargesINR 500 per transaction plus GST
Amortisation Schedule ChargesINR 200 per schedule plus GST
Statement of Account ChargesINR 200 per schedule plus GST
Prepayment/Foreclosure Statement ChargesINR 100 per schedule plus GST
Duplicate No Objection Certificate/ No Due CertificateINR 500 per NOC plus GST
INR 200 per NDC plus GST
Duplicate Prepayment/Foreclosure Statement ChargesINR 200 per schedule plus GST
Loan Cancellation ChargesINR 3000 plus GST
EMI Bounce ChargesINR 400 per bounce plus GST

Bajaj Finserv – How Attractive Its Personal Loan Offers are?

Bajaj Finserv offers personal loans upto ₹25 lakh for flexible tenures ranging upto 5 years. All goes well, the disbursal can be as quick as 24 hours. Interest rates start from as low as 10.99% and remain upto 16%.

It also offers a flexi personal loan that allows you to borrow and prepay as and when you feel right to do so. Actually, it’s a type of loan disbursed to a separate account from where you can withdraw as your needs. Only when you withdraw will the interest accrue. Keeping the calculations in mind, you can save EMI upto 45%.

Kotak Mahindra Bank Personal Loan

Kotak personal loan comes with an interest rate as low as 10.99% per annum. Its personal loan offers are available for even those who get their salary in cash. Sounds interesting as many financial institutions don’t lend to such individuals. Plus, there are customized loans for employees according to their workplace and the industry they are in.

Product TypeCategoryCriteriaInterest Rate (in p.a.)Corporate Salary Account Processing Fee (in %)Non Corporate Salary Account Processing Fee (in %)
K-Offer (Cash in Hand)CAT A/B/C NTH > 75000 15.00%2.00%2.50%
NTH: 50000 - 7499915.50%2.00%2.50%
NTH: 35000 - 4999915.50%2.00%2.50%
NTH : 20000-3499917.45%2.00%2.50%
NTH <2000017.45%2.00%2.50%
CAT DNTH >=75,00018.49%2.00%2.50%
NTH : 50,000 to 74,99919.15%2.00%2.50%
NTH : 35,000 to 49,99919.65%2.00%2.50%
NTH : 25,000 to 34,99920.15%2.00%2.50%
NTH : 18,000 to 24,99920.99%2.00%2.50%
Kotak employeesTicket Size < 3Lakhs11.99%NANA
Ticket Size > 3 Lakhs (No Deviation)11.49%NANA
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Segment Net Loan Amount (₹)Interest Rate(in p.a.)Direct Selling Agency Processing FeeNon Direct Selling Agency Processing Fee
Optimus Prime (CAT A, B,C and D)

Fresh Loan
Above 20 Lakhs11.29%0.75%0.50%
15 Lakhs-19.99 Lakhs11.49%0.75%0.50%
10 Lakhs-14.99 Lakhs11.49%0.75%0.50%
Corporate OfferIncomeInterest RateProcessing Fee
Super Platinum

NTH>35K

NTH< 35K
10.99%

11.75%
0.99%

1.25%
PlatinumNTH>35K

NTH< 35K
10.99%

12.69%
0.99%

1.25%
GoldDSA

Non DSA
13.99%

14.75%
0.99%

1.25%
SilverAll15.00%1.75%
Reliance GroupAll12.99%0.75%
PharmaAll13.99%1.25%
Automobile & AviationAll13.99%1.25%
Central and State Government EmployeesNTH>=50K

NTH>=35K

NTH>=24K
14.75%

15.00%

16.75%

1.75%

2.00%

2.00%
Private SectorNTH > = 75K

NTH < 75K
12.75%

12.99%
1.25%

1.25%
PSUNTH > = 50K

NTH < 50K
13.25%

15.50%
1.25%

2.00%-2.50%
Maha/Minim/Nav RatnasNTH>75K

NTH: 50K-74.99K

NTH<50K
10.99%

11.49%

13.49%
1.50%

1.50%

1.50%

Enjoy Attractive Balance Transfer Options

The bank also offers attractive balance transfer options to individuals servicing the loan at higher rates of interest somewhere. Get the loan switched to Kotak at rates as low as 11.65% per annum.

 CategoryIncomeInterest Rate (in p.a.)Processing Fee
Balance Transfer and CIBIL WatchCAT A/B/C
  • NTH >=35K
  • NTH< 35K
  • 11.65%
  • 11.99%
  • INR 1,999
  • INR 1,999
CAT D
  • NTH >=35K
  • NTH < 35K


  • 13.05%
  • 15.05%
  • 1.49% of the loan amount
  • 1.49% of the loan amount

What’s Special About Fullerton Personal Loan?

Fullerton is rapidly becoming the choice of individuals for personal loan offers because of the customization it brings to the fore. Private or public limited company employee earning a minimum gross salary of ₹30,000 a month and falling in any of the A, B or C risk grade would benefit from the following offers.

Income (Gross Salary )Metro & Tier 1Tier 2+3+4Processing Fee
>=30,000-35,00019.5%20.5%2% of the loan amount
>=35,000-40,00018.5%19.5%2% of the loan amount
>=40,000-50,00017.5%18.5%2% of the loan amount
>=50,00017.25%17.5%2% of the loan amount

Personal Loan for Elite Customers

The ‘Elite’ tag is given to customers earning a minimum income of ₹75,000. These customers can get a minimum loan of ₹8 lakh and a maximum of ₹25 lakh. The money will be the account in 72 hours. Meanwhile, the interest rates can be as low as 11.99% per annum.

Tata Capital Personal Loan Deals

Tata Capital personal loans come at interest rates as low as 11.99% per annum.
Personal Loan Rates in Detail:

Company Category 20-30kProcessing Fee (of the loan amount)30-60kProcessing Fee (of the loan amount)60K - 100KProcessing Fee (of the loan amount)100k and Processing Fee (of the loan amount)
Tata Group12.75%1.25%12.50%1.25%11.99%99911.99%999
Super Cat A12.75%1.25%12.75%1.25%11.99%99911.99%999
Cat A13.50%1.50%13.00%1.50%12.50%99911.99%999
Cat BNANA14.50%1.75%13.50%1%13.00%1%
Cat CNANA15.50%2.00%14.50%2.00%14.00%2.00%
Unlisited18.50%NA18.50%2.50%17.00%2.50%16.50%2.50%

Personal Loan Deals for Loan amount Greater Than INR 5 Lakh

Company CategoryRate of InterestProcessing Fee (of the loan amount)
SCATA/TATA Group/CAT A 11.99%999
Cat B13.00%999
Cat C14.00%2.00%
Unlisited16.00%2.00%

Personal Loan Deals for Loan amount Greater Than INR 10 Lakh

Company CategoryRate of InterestProcessing Fee (of the loan amount)
SCATA/TATA Group/CAT A 11.49%999

Personal Loan Deals for Tata Capital Employees

Company Rate of InterestProcessing Fee (of the loan amount)
Tata Capital11.49% (irrespective of salary band)999 (fixed)

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  • Personal Loan Interest Rates December 2020
    Fullerton India14.00% - 24.00%
    HDFC Bank10.75% - 21.45%
    ICICI Bank10.75% - 17.50%
    IndusInd Bank11.00% - 23.00%
    Kotak Bank10.99% - 20.99%
    RBL17.50% - 26.00%
    Standard Chartered Bank11.00% - 15.00%
    Tata Capital10.99% - 19.75%