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PERSONAL LOAN

Compare 40+ banks and apply for personal loan online. Choose the best offers from top banks along with their interest rate, processing fee, foreclosure charges and latest offers.

Best Personal Loans in India

Bank Interest Rate Processing Fee Tenure
10.55% 0.50% of the loan amount subject to a minimum of Rs. 500 36 months Apply
10.70% Nil processing fees 12 months Apply
10.49% 0.25% - 1% of loan amount 24 months Apply
10.05% upfront fees of 0.70% of loan amount + taxes 12 months Apply
12% Rs. 10 (to be paid at time of settlement) 12 months Apply
11.15% Upto 1% of loan amount subject to a minimum of Rs. 750. 12 months Apply
12% 1% of the loan amount, min Rs. 1,000 and max Rs. 5,000 per loan 12 months Apply
12% 0.25% to 1% of loan amount. 36 months Apply
10.50% Nil* to 1.50% 24 months Apply
11.75% Nil 12 months Apply
10% 1% of the loan amount 12 months Apply
12% Nil 11 months Apply
11.25% 0.75%, Minimum Rs. 500 36 months Apply

Enter Loan Information

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Select Loan Type: *
Loan Amount: *
Annual Interest Rate: *
Loan Tenure(Year): *

SBI Bank Gold Loan

Taking the financial help from the Citi bank through personal loans is always quick and convenient. In these banks, you will get a personal loan from minimal documentation and speedy loan approval processes. After approbation of the personal loan, you will enjoy attractive interest rates and flexible tenures that fulfill your needs without compromising the savings.

Key Highlights
  • Loan funds should be credited to your bank account within 48 hours of application.
  • Get the eligibility of the personal loans in just 4 hours
  • Enjoy the personal loan of the amount up to Rs.30,00,000
  • Fixed interest rates with part pre-payment options available
Interest Rate Processing Fee Tenure
10.55% 0.50% of the loan amount subject to a minimum of Rs. 500 36 months Apply
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Andhra Bank Gold Loan

Through Bajaj Fineserv personal loan, you don’t have to pledge with any collateral to avail it. As per the schedule, you can borrow up to Rs.25 lakhs and disbursal within the 24 hours of the loan application being approved. Bajaj Fineserv can make the personal loan application process simple and quick and define to be a convenient financing option.

Key Highlights
  • Avail instant personal loan up to Rs. 25 lakh based on your eligibility.
  • Complete the application process by submitting only a few basic documents.
  • Offers the fastest personal loan with disbursal in just 24 hours of the loan.
  • Repay the loan with flexible repayment tenors ranging up to 60 months.
  • A personal loan is transparent and comes with zero hidden charges.
Interest Rate Processing Fee Tenure
10.70% Nil processing fees 12 months Apply

Axis Bank Gold Loan

The individuals face several challenges to fulfill their specific financial needs or the desired beyond the capacity such as the funds for an emergency, paying the medical expenses as well as other payments. Get instant personal loans from the HDFC bank to enjoy life to the fullest. HDFC personal loan ensures that you have the opportunity to make all your dreams come true.

Key Highlights
  • Get funds in 10 seconds and few of the customers get a loan under 4 hours.
  • Get a loan amount in just 1 working day of document submission.
  • For a nominal premium, you can avail of personal loans up to 8 lakhs.
  • Bank accounts get benefitted from special rates, charges, and offers.
Interest Rate Processing Fee Tenure
10.49% 0.25% - 1% of loan amount 24 months Apply
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PNB Gold Loan

Turn your wishes into reality through the personal loan provided by the standard chartered bank. You can make your dreams come true with the personal loan that can get through instant approval. Online service provided by the bank can be managed through a wide range of services from the secure online banking platforms.

Key Highlights
  • When you will apply it online, you will get instant approval on your loan application.
  • Loans of the EMIs can be last with the tenure of 36/48/60 months.
  • Get the loan amount of Rs. 30 lakhs with zero processing fees.
  • For online applications, you will get a 50% discount on processing fees.
Interest Rate Processing Fee Tenure
10.05% upfront fees of 0.70% of loan amount + taxes 12 months Apply

Manappuram Gold Loan

Need quick funds for unexpected financial emergencies? Now Tata capital can provide personal loan which can be used for covering immediate financial requirements. You will enjoy the interest rates of the loan starting from 10.99% and tenure up to 72 months. Processing speed of the loan is flexible and gets quick access to the money when you need it.

Key Highlights
  • For the personal loan, the bank doesn’t charge any collateral or security fees.
  • Easily withdraw the additional funds to an agreed limit with the bank.
  • The interest of the loan can be charged only on the amount you can use.
  • Prepay the part of the loan any time after 6 months of the availing loan.
Interest Rate Processing Fee Tenure
12% Rs. 10 (to be paid at time of settlement) 12 months Apply
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IndusInd Bank Gold Loan

In India, SBI is the most trusted bank that can provide all types of without charging any additional process cost with low-interest rates. So, State bank of India (SBI) also provides personal loans that can be meet your instant needs. Whenever you are applying it on online, you will get discounts on the processing fees.

Key Highlights
  • Charged low-interest rates on a daily reducing balance.
  • Low processing charges with no administrative charges.
  • Required minimal documentation that you had always wanted.
  • Reduce the interest burden with no prepayment penalties.
Interest Rate Processing Fee Tenure
11.15% Upto 1% of loan amount subject to a minimum of Rs. 750. 12 months Apply

Canara Bank Gold Loan

Axis bank loans are generally instant and come with no foreclosure and part payment charges. Whenever you are planning for the home renovation, dream wedding, and a vacation, then the bank can offer personal loans started from Rs. 50,000 up to RS. 15,00,000 with minimal documentation and speedy approval.

Key Highlights
  • The minimum age of applying the loan is 21 years and requires a valid set of documents.
  • To ease of paying the loan burden, you may opt for the EMI facility.
  • Repayment tenure can be ranged from anywhere between 12 to 60 months.
  • The loan can be approved based on age, income and credit score.
Interest Rate Processing Fee Tenure
12% 1% of the loan amount, min Rs. 1,000 and max Rs. 5,000 per loan 12 months Apply
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Muthoot Gold Loan

When your expenses rise instantly in the home furnishing, higher education, family holidays and wedding events, then apply for the personal loans provided by the HSBC. The HSBC personal loans can also bear other expenses as per your personal needs and contingencies. The application can be disposed of within 15 days from the date of receipt.

Key Highlights
  • Enjoy the easy documentation, quick processing, and disbursal of loan.
  • Get loans with a flexible tenure of up to 5 years.
  • Easy monthly repayment through EMI on the HSBC bank account.
  • At the processing, the phase doesn't require any collateral/ guarantor.
Interest Rate Processing Fee Tenure
12% 0.25% to 1% of loan amount. 36 months Apply

HDFC Bank Gold Loan

Personal loans offered by the Yes bank are generally meet your personal needs and day-to-day emergencies. Such loans can be ranged from the Rs.1 lakh to Rs.40 lakh with attractive interest rates for tenure ranging from 12 to 60 months. The longer tenure period provided by the bank can help you to repay the loan amount to reduce your monthly budget.

Key Highlights
  • It enables the customers to choose the tenure of their loan.
  • To determine the repayment schedule, calculate the EMI to pay across loan tenure.
  • A loan can be processed and sanctioned in a matter of hours.
  • Approve the loan within 5 days with an interest rate of 10.99%.
Interest Rate Processing Fee Tenure
10.50% Nil* to 1.50% 24 months Apply
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Federal Bank Gold Loan

By using the minimum documentation, you can get the personal loan up to Rs.20 lakhs with an attractive rate of interest from the ICICI bank personal loan schemes. For your dream holiday destination, latest gadgets, home renovation, or anything that you will always desire, ICICI can provide personal loans at interest rates starting from 11.25%.

Key Highlights
  • Avail the personal loan through the easy and quick processes.
  • Get attractive interest rates on the loan amount you have applied.
  • Require minimum documentation without any security.
  • Enjoy the flexible repayment options of 12 to 60 months.
Interest Rate Processing Fee Tenure
11.75% Nil 12 months Apply

ICICI Bank Gold Loan

To meet your unexpected financial exigencies or want to pay the high priced credit card funds, IDBI bank personal loan can provide you funds for the urgent educational and hospitalization expenses, marriage in the family and home renovations. The loans of the IDBI banks make the whole process handy and manage the money to avail for a home loan.

Key Highlights
  • Minimum and maximum age for applying the loan is 22 and 58 years.
  • Overdraft facility would be valid for the 2 years and also renew in 2 years.
  • Prepayment can be allowed after six months of the loan disbursal.
  • Minimum loan amount is Rs.50,000 and the maximum amount is Rs.10,00,000.
Interest Rate Processing Fee Tenure
10% 1% of the loan amount 12 months Apply
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IIFL Gold Loan

Searching for a bank to get a personal loan with a flexible repayment schedule and competitive interest rates, then IDFC's first bank seems to be the best option. IDFC bank can help you to realize your dream whether it is related to the perfect wedding or visiting your dream holiday destination.

Key Highlights
  • Apply for the loans easily in online instantly within just 2 minutes.
  • Borrow the loan from Rs. 1 Lakh to Rs. 25 lakhs basis of your eligibility.
  • Repay the personal loan in tenures ranging between 1 and 5 years.
  • Borrow more money by using for meeting the unexpected expenses.
Interest Rate Processing Fee Tenure
12% Nil 11 months Apply

Yes Bank Gold Loan

Connect with the Lakshmi villa to sanction a personal loan to meet your large obligatory expenses that can be arisen out of everyday life. The bank can provide the loan with low-interest rates with flexible payment tenures. The processing speed of the loan is very fast and credited to your account very quickly.

Key Highlights
  • Pay off the loan in easy installments and repay it via auto-debit.
  • Loan starting from Rs.10,000 and there is no maximum cap.
  • Loan needs to repay within the tenure of 1 year to 5 years.
  • Document verification process is performed through international tested methods.
Interest Rate Processing Fee Tenure
11.25% 0.75%, Minimum Rs. 500 36 months Apply
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Personal Loan Eligibility

Criteria Salaried Self-Employed
Age 21 years to 60 years 22 years to 55 years
Net Monthly Income Rs.15,000 Rs.25,000
CIBIL Score Above 750 Above 750
Minimum Loan Amount Rs.50,000 Rs.50,000
Maximum Loan Amount Rs.25 lakh Rs.30 lakh

Documents Required for Personal Loan

Requirements Salaried Individuals Self Employed
Proof of Identity Passport, Voter’s ID, Driving License or PAN Card Passport, Voter’s ID, Driving License or PAN Card
Proof of Residence Passport or utility bills Passport or utility bills
Proof of Income Bank statement of salary account for the past two years Audited financial statement of the past two years

FAQs on Gold Loan

Gold loan or loan against gold is a secured loan in which a customer pledges his/her gold ornaments as collateral with a gold loan company. The company, in turn, gives a loan amount as per the market value of gold to the customer. It is a very quick and easy way of fulfilling one’s financial needs as compared to the other loans.

The advantages of taking gold loan from Eazy Bank Loan include -

  • Faster and easier transactions
  • Interest rate @9.24% p.a. onwards
  • Quick disbursal of loan
  • Best value for gold in the market
  • Security and insurance of gold pledged

The market value of your gold is calculated according to the per gram market rate of gold on the day of the loan application. If pledging gold ornaments or jewellery, only the parts that are gold are used to calculate the value; other metals, stones and gems are excluded from the calculations.

Any kind of gold jewellery/ornament of purity over 18 karat can be provided as security to avail a gold loan.

For the list of acceptable documents for a gold loan.

You can avail a maximum loan of up to 75% of the market value of your gold depending on the quality of the gold.

The minimum tenor is 3 months, while the maximum is 11 months.

Yes... a nominal processing fee has to be paid in availing a gold loan.

The gold ornaments pledged by you are secured in a fire and burglary proof vault in our Gold Loan branch. The branch is under electronic surveillance and guarded by security at all times. Additionally, the pledged ornaments are covered by insurance.

Yes, you have the option of foreclosing your account where you can pay-back the loan amount before its tenor and release your gold from the branch. Depending on your loan amount, a nominal closure charge from Rs. 0-150 will be charged for closing the loan before 3 months. There are no closure charges after 3 months.

Yes, you can make a part payment where you can pay-back a part of the total loan amount. Here, you will have the advantage of future interest being charged only on the balance principal amount after part-payment. Moreover, you may choose to release a part of your gold ornaments/jewellery as per the loan amount that has been paid back.

Yes, you can once you have paid back a part of the loan amount as per the value of gold you wish to have released.

Yes, you can pay-back your loan amount or interest due at any of the Pan-India Eazy Bank Loan-Gold Loan branches. Also, you can make interest payment at www.eazybankloan.com. However, to redeem your gold ornaments/jewellery, you will have to visit the branch from where the loan was taken.

1. In the event, customer fails to settle the loan Account or repay interest/installments/Principal Amount/any other amount, charges ("the total Outstanding"), post the completion of Loan tenure or otherwise. Eazy Bank Loan shall issue the notice at customer address given in this Application by giving 10 days time from the issue of the notice to customer for repayment of the total Outstanding. In the event, customer fails to repay the total Outstanding even after giving 10 days notice for repayment, customer Pledged Gold Articles may be sold by Eazy Bank Loan in a Public Auction as per Eazy Bank Loan policy. The Auction will be announced to the Public by way of the issue of the Advertisement in atleast two newspapers of which at least one newspaper shall be of a vernacular language and another shall be a national daily newspaper. If any of the Pledged Articles are sold at a price lower than the amount due from customer, customer shall pay the deficit amount to Eazy Bank Loan. In case default in repaying the deficit amount by the customer, Eazy Bank Loan has all the right to initiate legal action against the customer and take possession of all the movables and immovables property belonging to customer. If the Pledged Articles are sold at a higher price than the amounts due from the surplus amount if any, may be refunded to customer after adjusting all the other amounts payable by customer to Eazy Bank Loan. If losses are incurred on sale, the same shall be reimbursed by customer to Eazy Bank Loan and in the event customer is unable to make good such losses, Eazy Bank Loan may institute legal proceedings to recover the losses from customers assets/property. Eazy Bank Loan shall not be responsible for any loss or costs incurred for selling the same if caused by such sales of Pledged Articles.

2.Eazy Bank Loan reserves the right to sell any of the Pledged Articles by auction at any point of time, even before the expiry of 12 months, if Eazy Bank Loan is convinced that the market price or the maximum realizable value by sale of the Pledged Articles, is likely to come down below or equal to the total amount payable by customer, by way of principal, amount of the Loan interest and other amounts payable in respect of the Loan , after serving a notice of 10 days to customer at his address given in this Application.

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