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Personal Loan

A personal loan at the rate that's actually yours.

Compare personal loan offers from leading banks and NBFCs in one place — for a wedding, a medical bill, travel or consolidating dues. See the real cost before you commit.

Compare my offers Check eligibility
No impact on credit score Disbursal in as little as 24 hours
10.49% p.a.
Interest rate, starting from
₹40 Lakh
Maximum loan amount
12–72 mo
Flexible tenure
24 hrs
Fast approval & disbursal

EMI calculator

See your monthly EMI before you apply

Move the sliders to model your loan. Then compare what each lender would actually charge you.

₹5,00,000
10.5%
36 months

Illustrative only. Your actual rate depends on the lender's assessment of your profile.

Your monthly EMI
₹16,258
Principal₹5,00,000 Total interest₹85,288

Lender rates

Personal loan rates, compared

A snapshot of indicative starting rates across our partner NBFCs. Your matched offers are personalised after a free soft check.

LenderInterest rate (p.a.)Processing feeMax amount
Bajaj Finance10.85% onwardsUp to 2%₹40 Lakh
Tata Capital11.99% onwards1.5%–3%₹35 Lakh
Poonawalla Fincorp12.99% onwardsUp to 3%₹30 Lakh
Aditya Birla Finance13.50% onwardsUp to 3%₹50 Lakh
L&T Finance13.99% onwardsUp to 2.5%₹25 Lakh

Rates, fees and limits shown are indicative, for illustration only, and are decided by each lender at its discretion. Not an offer or a guarantee of approval.

Eligibility & documents

What you'll need to apply

Criteria vary by lender — Vyaaj shows you the offers you actually qualify for, so you're not let down later.

Who can apply

  • Salaried or self-employed, aged 21 to 60
  • Net monthly income of ₹20,000+ (varies by city & lender)
  • Credit score of 700+ for the best rates
  • Indian resident with a stable income source
  • At least 1 year of work experience or business vintage

Documents needed

  • Identity & address — PAN and Aadhaar
  • Income proof — last 3 salary slips, or ITR for self-employed
  • Bank statements — last 6 months
  • Employment proof — offer letter or business registration
  • A recent passport-size photograph

How to apply

From comparison to cash in three steps

1

Share your details

Amount, purpose and a few quick facts. About two minutes, fully online.

2

Compare real offers

See rates, EMIs and total cost side by side. A soft check that never touches your score.

3

Pick & finish online

Choose your match, complete the lender's application, and get funds in as little as 24 hours.

Good to know

Personal loan questions

Will comparing offers affect my credit score?
No. Vyaaj uses a soft enquiry to find your matched offers, which leaves your credit score untouched. A hard enquiry only happens with your consent when you formally apply with a chosen lender.
How quickly can I get the money?
For pre-approved offers, approved funds can reach your account within a few hours. For most personal loans, disbursal happens within 24 to 48 hours of document verification.
Are there foreclosure or prepayment charges?
It depends on the lender. Some charge 2%–5% of the outstanding amount, others allow part-prepayment for free after a few EMIs. Vyaaj shows these terms on each offer so there are no surprises.
Can self-employed people apply?
Yes. Self-employed professionals and business owners can compare and apply, typically using ITR and bank statements as income proof instead of salary slips.
What decides the interest rate I'm offered?
Mainly your credit score, income, existing obligations and employer profile. A higher score and lower existing EMIs usually unlock the lowest rates.

Find your personal loan rate in two minutes

Free, with no impact on your credit score. Your best offer might be several percent cheaper than your bank's.

Compare my offers How it works