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Smart loan comparison for every borrower

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Personal

IDFC FIRST Bank Personal Loan

APR

10.49–24.0%

Amount

₹20k–₹4M

Term

6–60 mo

Speed

Same day

Best for: This loan is best for individuals with a growing credit profile seeking a hassle-free online application and quick disbursement.

Indian citizen · Age 21-58 · Minimum salary ₹20,000/month

Student

SBI Student Loan Scheme

APR

6.9–9.9%

Amount

₹100k–₹5M

Term

12–180 mo

Speed

15 business days

Best for: Students pursuing UG/PG degrees at recognised Indian institutions who want the lowest possible interest rate and don't mind longer processing times.

Indian national · Admission to recognised institution in India or abroad · Parent/guardian as co-borrower

Auto

HDFC Bank New Car Loan

APR

8.15%

Amount

₹100k–₹2.5M

Term

12–84 mo

Speed

Loan disbursal in as little as 30 minutes

Best for: It's best for salaried individuals or self-employed persons looking for quick disbursement and a range of loan amounts.

Salaried or self-employed applicant · Minimum age 21 · Minimum income ₹3 lakh per annum

Student

HDFC Bank Education Loan

APR

10.5–13.5%

Amount

₹100k–₹5M

Term

12–180 mo

Speed

3-5 business days

Best for: Students admitted to premier institutions (IITs, IIMs, top foreign universities) who value fast disbursement and are willing to pay slightly higher rates for convenience.

Indian national aged 16-35 · Admission to recognised institution · Co-applicant (parent/guardian) required

Auto

Axis Bank Car Loan

APR

8.75–12.5%

Amount

₹100k

Term

12–84 mo

Best for: This loan is best for salaried or self-employed individuals seeking full vehicle financing with convenient service.

Indian resident · Salaried or self-employed · Age 21-70

Personal

ICICI Bank Personal Loan

APR

10.25–19.0%

Amount

₹50k–₹5M

Term

12–60 mo

Speed

Same day

Best for: This loan is best for individuals seeking quick funding with a fully digital application process and no collateral requirements.

Indian citizen · Age 23-58 · Salaried or self-employed

Student

ICICI Bank Education Loan

APR

8.5–13.0%

Amount

₹100k

Term

12–144 mo

Speed

3-7 business days

Best for: Students pursuing expensive international programs (MBA, medicine) who need high loan amounts with flexible repayment structures and quick processing.

Indian national · Admission to recognised institution in India or abroad · Co-applicant required

Auto

SBI New Car Loan

APR

8.9–9.85%

Amount

₹100k

Term

12–84 mo

Speed

Quick disbursement after approval

Best for: This loan is best for individuals with a stable income looking to finance a new vehicle.

Aged 21 to 70 · Net annual income at least ₹3 lakh · Regular income and credit assessment

Student

PNB Saraswati Education Loan

APR

6.85–11.6%

Amount

₹100k–₹5M

Term

12–180 mo

Speed

7-14 business days

Best for: Merit-based students admitted to premier Indian institutions (IITs, IIMs, NIFT, NID, IISc) who want rock-bottom PSU rates and don't mind the paperwork.

Resident Indian · Admission through entrance test or merit-based selection · Parent/guardian as joint borrower

Auto

ICICI Bank Car Loan

APR

8.4–11.5%

Amount

₹100k

Term

12–84 mo

Best for: This loan is ideal for both salaried and self-employed individuals looking to finance new or pre-owned vehicles.

Indian resident · Salaried or self-employed · Age 21-65

Personal

Poonawalla Fincorp Personal Loan

APR

9.0–22.0%

Amount

₹50k–₹2.5M

Term

12–60 mo

Speed

10 minutes

Best for: This loan is ideal for individuals needing fast access to funds for emergencies, weddings, or education without collateral requirements.

Indian citizen · Age 21-58 · Salaried with ₹18,000+/month

Student

Bank of Baroda Baroda Gyan Education Loan

APR

6.85–11.25%

Amount

₹100k

Term

12–180 mo

Speed

7-10 business days

Best for: Students needing high-value loans for premier Indian or international institutions who want PSU-bank rates with a wider branch network than other PSU alternatives.

Indian citizen · Admission to recognised institution · Parent/guardian as co-borrower

Personal

Axis Bank Personal Loan

APR

10.49–22.0%

Amount

₹50k–₹4M

Term

12–60 mo

Speed

Same day

Best for: This loan is best for individuals seeking a substantial amount (up to ₹40 lakhs) with a quick and easy online application process.

Indian citizen · Age 21-60 · Minimum salary ₹15,000/month

Student

Canara Bank Vidya Turant Education Loan

APR

7.25–10.1%

Amount

₹100k

Term

12–180 mo

Speed

5-10 business days

Best for: Students pursuing master's degrees at top-ranked global universities or premier Indian institutes who want PSU rates with competitive terms.

Indian national · Admission to recognised institution · Parent/guardian as co-borrower

Personal

Kotak Mahindra Bank Personal Loan

APR

10.25–24.0%

Amount

₹50k–₹4M

Term

12–60 mo

Speed

Same day

Best for: This loan is best for individuals seeking quick access to funds with flexible repayment options and those who maintain a high credit score.

Indian citizen · Age 21-60 · Salaried with ₹25,000+/month or self-employed