A personal loan is a fast, flexible solution to meet your financial needs—whether it’s handling emergencies, or funding major purchases. Apply for personal loan online with Any Bank and get quick approval with with minimal documentation.
SJF Consultants mission is to provide best personal loans in India, with attractive, affordable, and lowest interest rates for your financial support as per your requirements with a hassle-free application process. Get instance online personal loan with SJF Consultants as per your requirements & plans such as marriage, vacations, home improvements, unexpected medical expenses, we’re here to help you navigate those financial needs.
it is approved in less than 10 minutes without any extensive documentation. Personal loan EMIs are flexible and Our commitment to best customer service ensures that your loan experience is smooth and supportive from start to finish.
Personal Loan in your account within hours starting at 10.25% P.A. Check Interest Rate Now. Get Lowest Interest Rate For Personal Loan Starting From 10.25%. Compare Interest Rate Now. Personal Loan UpTo 50Lacs. Lowest Interest Rates. Nil Repayment
- HDFC Bank
- Axis Bank
- ICICI Bank
- Federal Bank
- Bank of India
- IDFC FIRST Bank
- IndusInd Bank
- Kotak Mahindra Bank
- RBL Bank
- Dhanlaxmi Bank
- Bandhan Bank
Feel free to use our Equipment Finance Calculator
**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.
| Period | Payment | Interest | Balance |
|---|
Application fee
₹500
Monthly fee
₹10
Total regular fees
₹1440
Total fees
₹1940
Calculator Disclaimer
The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, contact us. This calculation does not constitute a quote, loan approval, agreement or advice by My Finance. It does not take into account your personal or financial circumstances.
For Salaried Employees working in an organisation:
Minimum age of 23 years.
Maximum age of 60 years or retirement (whichever is early) at the time of loan maturity.
For Self-Employed Individuals:
Business existence of three years minimum
Minimum age of 25 years
Maximum age of 65 years at the time of loan maturity
- Identity proof / address proof (copy of passport/voter ID card/driving license/Aadhaar Card)
- Bank statement of previous 3 months (Passbook of previous 6 months)
- Two latest salary slip/current dated salary certificate with the latest Form 16
The personal loan interest rates range between 9.49% pa – 45.99% pa depending on the loan amount availed by you, your credit score, and repayment tenure.
Bank | Interest Rate (p.a.) | Processing Fee |
HSBC Bank Personal Loan | 9.99% p.a. – 16.00% p.a. | Up to 2% |
HDFC Bank Personal Loan | 10.75% p.a. – 24.00% p.a. | Rs.4,999 + GST |
IndusInd Bank Personal Loan | 10.49% p.a. onwards | Up to 3.5% onwards |
ICICI Bank Personal Loan | 10.85% p.a. – 16.25% p.a. | Up to 2% |
Yes Bank Personal Loan | 11.25% p.a. – 21% p.a. | Up to 2.5% |
Kotak Mahindra Bank Personal Loan | 10.99% and above | Up to 3% |
Axis Bank Personal Loan | 10.25% p.a. – 22% p.a. | Up to 2% of the loan amount |
State Bank of India Personal Loan | 11.45 p.a. onwards | Up to 1.50% |
IDFC First Bank Personal Loan | 10.99% p.a. onwards | Up to 3.5% |
Tata Capital Personal Loan | 10.99% p.a. onwards | Up to 5.5% |
Home Credit Cash Loan | 19.2% p.a. onwards | Up to 5% |
Aditya Birla Capital | 10.99% p.a. – 30% p.a. | Up to 3% |
Karnataka Bank | 10.93% p.a. onwards | At the discretion of the bank |
Bank of Baroda Personal Loan | 13.00% p.a. – 18.35% p.a. | Up to 2% |
Federal Bank | 11.49% p.a. – 14.49% p.a. | Up to 2% |
IIFL | 12.75% p.a. – 44% p.a. | 2% – 9% |
Bank of India | 10.85% onwards | Up to 2% |
(Fullerton India) SMFG India Credit | 13.00% p.a. onwards | Up to 6% |
IDBI Bank Personal Loan | 10.55% p.a. – 13.30% p.a. | Contact the bank |
Karur Vysya Bank | 11.15% p.a. – 14.15% p.a. | 0.50% onwards |
South Indian Bank | 13.1% p.a. – 20.6% p.a. | Up to 2% |
Indian Overseas Bank | 10.85% p.a. – 13.00% p.a. | Up to 0.50% (Above Rs.2.00 lakh up to Rs.150 Crores) |
RBL Bank Personal Loan | 18% p.a. | Up to 2% |
Punjab National Bank Personal Loan | 11.40% p.a. – 17.95% p.a. | Up to 1.00% |
Bank of Maharashtra Personal Loan | 10% p.a. – 12.00% p.a. | Up to 1% |
Central Bank of India Personal Loan | 12.00% p.a. – 12.75% p.a. | Up to 1% |
City Union Bank Personal Loan | At the discretion of the bank | 1.00% subject to a minimum of Rs.250 |
Which bank will provide a Personal Loan easily?
HDFC Bank customers can get Personal Loans with minimal or no documentation.
What is a good interest rate for a personal loan?
National average: As of February 28, 2024, the average APR for a personal loan in India stands at approximately 12.10%. While this serves as a useful benchmark, your creditworthiness may qualify you for a more favourable rate. Credit score: Your credit score has the most significant impact on your APR.
What are the documents required for a Personal Loan?
To apply for an HDFC Bank Personal Loan, you will require the following documents:
- Identity proof- Accepted documents include passport copy, voter ID card, driving license or Aadhar card.
- Address proof- Aadhar card, driving license, voter ID, or passport copy work as address proof too.
- Bank statements of the last three months.
Is 12% interest on a personal loan good?
What is the EMI for an 8 lakh loan for 5 years?
| Tenure | Approximate EMI at 13% interest rate |
|---|---|
| 2 years | 38,033 |
| 3 years | 26,955 |
| 5 years | 18,202 |
What's the easiest loan to get approved for?
Some of the easiest loans to get approved for if you have bad credit include payday loans, no-credit-check loans, and pawnshop loans
Can I get personal loan if my salary is 15000?
With a salary of Rs. 15,000, borrowers typically qualify for small cash loans ranging from Rs. 50,000 to Rs. 1,50,000.
How To Apply For Personal Loans?
Click on the ‘Apply Now’ button.
Fill in the required details in the online application form and verify OTP sent to the entered mobile number.
Verify your KYC details data to check income eligibility.
Choose the amount you want to borrow up to Rs 5 lakh.
Click on ‘Submit’ to complete your application.
Why Choose Us for Your Personal Loan?
| Fast Approval Process | We understand that time is of the essence. Our streamlined application and approval process ensures you receive a decision within 24 hours, so you can access your funds quickly when you need them. |
|---|---|
| Competitive Interest Rates | We offer some of the most competitive rates in the industry, ensuring that you get a loan that fits your budget without breaking the bank. |
| Flexible Repayment Terms | Choose from a variety of repayment terms ranging from 12 to 60 months. We work with you to find a plan that aligns with your financial situation. |
| No Hidden Fees | Transparency is our priority. With us, you’ll never encounter hidden fees or surprise charges. What you see is what you get! |
| Personalized Service | Our dedicated customer support team is here to assist you every step of the way. We take the time to understand your unique needs and provide personalized solutions. |
| Secure Online Application | Apply from the comfort of your home with our secure online application. Your personal information is protected with the latest encryption technology. |
| Positive Customer Reviews | Don’t just take our word for it! Our satisfied customers rave about their experiences with us, highlighting our reliability and excellent service |
| Quick Funding | Once approved, funds can be deposited directly into your bank account, often within 1-3 business days. |
| Customer-Centric Approach | We prioritize our customers’ needs and satisfaction, ensuring a hassle-free experience from application to repayment. |
| Pre-Qualification Available | Check your eligibility without affecting your credit score! Our pre-qualification process gives you an idea of your loan options. |
SJF Consultants Pvt. Ltd
Dilip Sahoo Financial Advisor
We provide a broad range of financial solutions and services, including Loans, Insurance, Investments & Credit cards.
Financial Success: Loans, Insurance, Investments, and Credit Cards
Financial Success: Loans, Insurance, Investments, and Credit Cards
How to Apply Online Loan with Low Interest Rate
SJF Consultants mission is to provide best personal loans in India, with attractive, affordable, and lowest interest rates for your financial support as per your requirements with a hassle-free application process. Get instance online personal loan with SJF Consultants as per your requirements & plans such as marriage, vacations, home improvements, unexpected medical expenses, we’re here to help you navigate those financial needs.
it is approved in less than 10 minutes without any extensive documentation. Personal loan EMIs are flexible and Our commitment to best customer service ensures that your loan experience is smooth and supportive from start to finish.
Get Personal Loan in less than 10 mins!
How To Apply For Personal Loans?
Click on the ‘Apply Now’ button.
Fill in the required details in the online application form and verify OTP sent to the entered mobile number.
Verify your KYC details data to check income eligibility.
Choose the amount you want to borrow up to Rs 5 lakh.
Click on ‘Submit’ to complete your application.
Financial Success: Loans, Insurance, Investments, and Credit Cards
Why Choose Us for Your Personal Loan?
| Fast Approval Process | We understand that time is of the essence. Our streamlined application and approval process ensures you receive a decision within 24 hours, so you can access your funds quickly when you need them. |
|---|---|
| Competitive Interest Rates | We offer some of the most competitive rates in the industry, ensuring that you get a loan that fits your budget without breaking the bank. |
| Flexible Repayment Terms | Choose from a variety of repayment terms ranging from 12 to 60 months. We work with you to find a plan that aligns with your financial situation. |
| No Hidden Fees | Transparency is our priority. With us, you’ll never encounter hidden fees or surprise charges. What you see is what you get! |
| Personalized Service | Our dedicated customer support team is here to assist you every step of the way. We take the time to understand your unique needs and provide personalized solutions. |
| Secure Online Application | Apply from the comfort of your home with our secure online application. Your personal information is protected with the latest encryption technology. |
| Positive Customer Reviews | Don’t just take our word for it! Our satisfied customers rave about their experiences with us, highlighting our reliability and excellent service |
| Quick Funding | Once approved, funds can be deposited directly into your bank account, often within 1-3 business days. |
| Customer-Centric Approach | We prioritize our customers’ needs and satisfaction, ensuring a hassle-free experience from application to repayment. |
| Pre-Qualification Available | Check your eligibility without affecting your credit score! Our pre-qualification process gives you an idea of your loan options. |
Feel free to use our Equipment Finance Calculator
**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.
| Period | Payment | Interest | Balance |
|---|
Application fee
₹500
Monthly fee
₹10
Total regular fees
₹1440
Total fees
₹1940
Calculator Disclaimer
The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, contact us. This calculation does not constitute a quote, loan approval, agreement or advice by My Finance. It does not take into account your personal or financial circumstances.
A personal loan is a fast, flexible solution to meet your financial needs—whether it’s handling emergencies, or funding major purchases. Apply for personal loan online with Any Bank and get quick approval with with minimal documentation.
SJF Consultants mission is to provide best personal loans in India, with attractive, affordable, and lowest interest rates for your financial support as per your requirements with a hassle-free application process. Get instance online personal loan with SJF Consultants as per your requirements & plans such as marriage, vacations, home improvements, unexpected medical expenses, we’re here to help you navigate those financial needs.
it is approved in less than 10 minutes without any extensive documentation. Personal loan EMIs are flexible and Our commitment to best customer service ensures that your loan experience is smooth and supportive from start to finish.
Personal Loan in your account within hours starting at 10.25% P.A. Check Interest Rate Now. Get Lowest Interest Rate For Personal Loan Starting From 10.25%. Compare Interest Rate Now. Personal Loan UpTo 50Lacs. Lowest Interest Rates. Nil Repayment
Personal Loan Eligibility Criteria
For Salaried Employees working in an organisation:
Minimum age of 23 years.
Maximum age of 60 years or retirement (whichever is early) at the time of loan maturity.
For Self-Employed Individuals:
Business existence of three years minimum
Minimum age of 25 years
Maximum age of 65 years at the time of loan maturity
