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ADITYA BIRLA FINANCE LTD.

Apply for Personal Loan (Salaried Professional & Self Employee)

Loan Amount must be between ₹10000.00 - ₹3000000.00



Personal Loan – Interest Rate

The interest rates of personal loans offered by various banks and NBFCs are as follows:

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Bank Interest Rates Processing Fees
Allahabad Bank 10.50% to 12.99% 1.60% of the Loan Amount
Andhra Bank 11.55% to 13.05% As offered by the lender 
Axis Bank 15.75% to 24% 1.50% to 2.00 % + GST
Bajaj Finserv Starting from 12.99% Up to 3.99% of the loan amount
Bank of Baroda 11.35% to 16.35% 2% of the loan amount
Bank of India Starting from 13.10% One time @ 2.00% of loan amount
Bank of Maharashtra Starting from 15% 1.00% of the Loan Amount
Canara Bank 13.00% to 16.50% 0.5% of the Loan Amount
Central Bank MCLR (12M) + 3.00% Rs 500 + S.T
Citibank Starting from 10.99% Upto 2.75% of loan amount
Corporation Bank 12.95% to 13.95% 1.50% of the loan amount
Federal Bank Starting from 11.49% 0.50% of loan amount
Fullerton India Starting from 12% Upto 6.5% of the loan amount
HDFC Bank 11.25% to 21.50% Up to 2.50% of the loan amount
HSBC Bank 10.75% to 17.84% Up to 1% of the disbursed loan amount
ICICI Bank 11.50% to 19.25% Up to 2.25% per annum of loan amount
IDBI Bank Starting from 12% 1% of the Loan Amount
IDFC First Starting from 11.5% Up to 2% of the loan amount
Indian Bank Starting from 14.20% 0.51% on the Loan Amount
IndusInd Bank Starting from 10.75% Upto 2.5% of the loan amount plus tax
Kotak Mahindra Bank 11.29% to 19.99% Up to 2.5% of the loan amount + GST
Muthoot Finance 14.50% As applicable by the lender
Punjab National Bank Starts from 12% 1.80% of the loan amount
RBL Bank Starting from 12%  4% of the loan amount
Standard Chartered Bank Starting from 11.99% Upto 3% of the loan amount
State Bank of India Starting from 11% 1% of the loan amount
Syndicate Bank 13.25% to 13.65% 0.50% of the loan amount
TATA Capital Starting from 11.25% Up to 2.5% of the loan amount + GST
UCO Bank Starting from 11.70% 1% of the loan amount
Union Bank of India Starting from 14.40% 0.50% of the total Loan
Yes Bank Starting from 10.75%  Up to 2.50% of the loan amount

Interest rates by various banks and NBFCs are offered depending on the applicant’s profile and are influenced by many factors including an individual’s age, credit score, repayment history, employer, etc.

Personal Loan – Docs Required

Documents for Salaried Individuals

  • Proof of identity (a copy of Passport/Voter ID Card/Driving License/Aadhaar)
  • Proof of residence (a copy of Passport/ Voter ID Card/ Driving License/ Aadhaar/Leave and License Agreement/ Utility Bill of not more than 3 months)
  • A copy of latest salary slip/current dated salary certificate with the latest Form 16
  • Bank statement of previous 3 months
  • 2 passport size photographs

Documents for Self-Employed Individuals

  • Proof of identity (a copy of Passport/Voter ID Card/Driving License/Aadhaar
  • Proof of residence (a copy of Passport/Voter ID Card/Driving License/Aadhaar/Leave and License Agreement/Utility Bill of not more than 3 months)
  • Proof of income (audited financials for the last 2 years)
  • Proof of office address
  • Proof of office ownership
  • Proof of continuity of business
  • Latest 6 months bank statement
  • Two passport size photographs

EMI Calculator – APR Calculation

Personal Loan EMI Calculator Table

To get an idea about how personal loan EMIs are computed, take a look at the table given below:

Loan Amount Interest Rate EMI for 1 Year EMI for 2 Years EMI for 3 Years EMI for 4 Years EMI for 5 Years
5 Lakhs 10.75% ₹44,132 ₹23,245 ₹16,310 ₹12,862 ₹10,808
10 Lakhs 10.75% ₹88,265 ₹46,491 ₹32,620 ₹25,724 ₹21,617
15 Lakhs 10.75% ₹1,32,397 ₹69,737 ₹48,930 ₹38,586 ₹32,426
20 Lakhs 10.75% ₹1,76,530 ₹92,983 ₹65,240 ₹51,448 ₹43,235
25 Lakhs 10.75% ₹2,20,662 ₹1,16,229 ₹81,551 ₹64,310 ₹54,044
30 Lakhs 10.75% ₹2,64,795 ₹1,39,475 ₹97,861 ₹77,172 ₹64,853
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