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Read below the factors effecting Interest Rates **
To help its customers get the best interest rates on personal loans, deal4loans has consolidated all the information regarding latest rate of interests at one place. To get updated rate of interest on personal loan, keep visiting this section.
Banks/Rates  Salaried  
CAT A  Per lac EMI (For 4 yrs.) 
CAT B  Per lac EMI (For 4 yrs.) 
Others  Per lac EMI (For others for 4 yrs.) 
Pre Payment Charges  Processing Fees  
ICICI Bank 
12.50%  15.75% (For Special Companies) 15.50% (Salary Above 75,000) 16% (Salary 50,000 75,000) 16.50% (Salary 35,000 50,000) 17% (Salary 20,000 35,000) 11.49%  14.99% (Special rates for Loan Amount b/w 5 lacs  20 lacs) 
Rs.2658  Rs.2821 (For Special Companies) Rs.2808 (Salary Above 75,000) Rs.2834 (Salary 50,000 75,000) Rs.2860 (Salary 35,000 50,000) Rs.2886 (Salary 20,000 35,000) Rs.2608  Rs.2783 (Special rates for Loan Amount b/w 5 lacs  20 lacs) 
16% (Salary Above 75,000) 16.50% (Salary 50,000 75,000) 17% (Salary 35,000 50,000) 17.50% (Salary 20,000 35,000) 11.49%  14.99% (Special rates for Loan Amount b/w 5 lacs  20 lacs) 
Rs.2834 (Salary Above 75,000) Rs.2860 (Salary 50,000 75,000) Rs.2886 (Salary 35,000 50,000) Rs.2911 (Salary 20,000 35,000) Rs.2608  Rs.2783 (Special rates for Loan Amount b/w 5 lacs  20 lacs) 
16% (Salary Above 75,000) 16.50% (Salary 50,000 75,000) 17% (Salary 35,000  50,000) 17.50% (Salary 20,000 35,000) 11.49%  14.99% (Special rates for Loan Amount b/w 5 lacs  20 lacs) 
Rs.2834 (Salary Above 75,000) Rs.2860 (Salary 50,000 75,000) Rs.2886 (Salary 35,000  50,000) Rs.2911 (Salary 20,000 35,000) Rs.2608 (Special rates for Loan Amount b/w 5 lacs  20 lacs) 
Nil (For Loan amount >10 lacs & 12 EMI paid), else 5%  Rs.999 for Special offers otherwise 1%  2.5%  
HDFC Bank 
12.50%  14.75% (For Special Companies) 15.65% (For 75,000 & above salary) 15.75% (For 50,00075,000 salary) 15.85% (For 35,00050,000 salary) 17.85% (For 20,00035,000 salary) 17.90% (Below 20,000 salary) 11.49%  12.99% (Special Rates for Loan Amount b/w 10lacs  30lacs) 
Rs.2658  Rs.2770 (For Special Companies) Rs.2816 (For 75,000 & above salary) Rs.2821 (For 50,00075,000 salary) Rs.2826 (For 35,00050,000 salary) Rs.2930 (For 20,00035,000 salary) Rs.2932 (Below 20,000 salary) Rs.2608  Rs.2682 (Special Rates for Loan Amount b/w 10lacs  30lacs) 
12.50%  14.75% (For Special Companies) 15.65% (For 75,000 & above salary) 19.50% (For 50,00075,000 salary) 15.85% (For 35,00050,000 salary) 17.85% (For 20,00035,000 salary) 17.90% (Below 20,000 salary) 11.49%  12.99% (Special Rates for Loan Amount b/w 10lacs  30lacs) 
Rs.2658  Rs.2770 (For Special Companies) Rs.2816 (For 75,000 & above salary) Rs.3016 (For 50,00075,000 salary) Rs.2826 (For 35,00050,000 salary) Rs.2930 (For 20,00035,000 salary) Rs.2932 (Below 20,000 salary) Rs.2608  Rs.2682 (Special Rates for Loan Amount b/w 10lacs  30lacs) 
19.50% 
Rs.3016 
Nil (For Loan Amount > 10 lakhs with >Salary 75k) else 4%  Now : Rs 999 for Special offers otherwise 1%  2%  
Bajaj Finserv  15%  16% 
Rs.2783  Rs.2834 
16% 
Rs.2834 
16.50%  17% 
Rs.2860 
4%  Upto 2%  
Tata Capital 
13.90% (Salary above 1lakh) 14.35% (For 60,00099,000 salary) 16.50% (For 30,00060,000 salary) 17% (For 20,00030,000 salary) 12.50%  12.75% (For Tata Group Companies) 
Rs.2728 (Salary above 1lakh) Rs.2750 (For 60,00099,000 salary) Rs.2860 (For 30,00060,000 salary) Rs.2886 (For 20,00030,000 salary) Rs.2658  Rs.2670 (For Tata Group Companies) 
14.50% (Salary above 1lakh) 15% (For 60,00099,000 salary) 17% (For 30,00060,000 salary) 12.50%  12.75% (For Tata Group Companies) 
Rs.2758 (Salary above 1lakh) Rs.2783 (For 60,00099,000 salary) Rs.2886 (For 30,00060,000 salary) Rs.2658  Rs.2670 (For Tata Group Companies) 
17% (Salary above 1lakh) 15% (For 50,00099,000 salary) 17% (For 30,00060,000 salary) 12.50%  12.75% (For Tata Group Companies) 
Rs.2886 (Salary above 1lakh) Rs.2783 (For 50,00099,000 salary) Rs.2886 (For 30,00060,000 salary) Rs.2658 (For Tata Group Companies) 
Nill Foreclosure after 12 EMI's & Partial Payment Options without any charges.  Rs.999  
Kotak Bank 
11.49%  13.25% (For Special Companies) 14.25% (Salary above 45,000) 15.35% (Salary 30,000  45,000) 16% (Salary 20,000  30,000) 11.49% (Special Rates for Loan Amount above 15 lakhs) 
Rs.2608  Rs.2695 (For Special Companies) Rs.2745 (Salary above 45,000) Rs.2801 (Salary 30,000  45,000) Rs.2834 (Salary 20,000  30,000) Rs.2608 (Special Rates for Loan Amount above 15 lakhs) 
11.49%  13.25% (For Special Companies) 16% (Salary 20,000  30,000) 15.35% (Salary 30,000  45,000) 14.70% (Salary above 45,000) 11.49% (Special Rates for Loan Amount above 15 lakhs) 
Rs.2608  Rs.2695 (For Special Companies) Rs.2834 (Salary 20,000  30,000) Rs.2801 (Salary 30,000  45,000) Rs.2768 (Salary above 45,000) Rs.2608 (Special Rates for Loan Amount above 15 lakhs) 
15.65% (Salary above 95,000) 16.65% (Salary 60,000  95,000) 17.65% (Salary 40,000  60,000) 20.15% (Salary below 40,000) 
Rs.2816 (Salary above 95,000) Rs.2867 (Salary 60,000  95,000) Rs.2919 (Salary 40,000  60,000) Rs.3051 (Salary below 40,000) 
Zero (if loan Amount is more than 10 lakhs) Else 5%  Rs.999  2%  
State Bank of India/SBI (SBI Saral)  12.45%  14.95% 
Rs.2656  Rs.2781 
12.45%  14.95% 
Rs.2656  Rs.2781 
12.45%  14.95% 
Rs.2656 
N.A  1.01% of the loan amount  
Fullerton India  21%  32% 
Rs.3097  Rs.3718 
21%  32% 
Rs.3097  Rs.3718 
21%  32% 
Rs.3097 
Zero after 3yrs (Otherwise 4%)  2%  
Standard Chartered Bank 
11.99% (For 75,000 & above salary) 12.99% (For 41,000  75,000 salary) 13.49% (Below 40,000 salary) 
Rs.2633 (For 75,000 & above salary) Rs.2682 (For 41,000  75,000 salary) Rs.2707 (Below 40,000 salary) 
11.99% (For 75,000 & above salary) 12.99% (For 41,000  75,000 salary) 13.49% (Below 40,000 salary) 
Rs.2633 (For 75,000 & above salary) Rs.2682 (For 41,000  75,000 salary) Rs.2707 (Below 40,000 salary) 
11.99% (For 75,000 & above salary) 12.99% (For 41,000  75,000 salary) 13.49% (Below 40,000 salary) 
Rs.2633 (For 75,000 & above salary) Rs.2682 (For 41,000  75,000 salary) Rs.2707 (Below 40,000 salary) 
1%  0%  0.50%  
HDBFS 
16% (for 75,000 & above salary) 17% (For 35,000  75,000 salary) 18% (Below 35,000 salary) 
Rs.2834 (for 75,000 & above salary) Rs.2886 (For 35,000  75,000 salary) Rs.2937 (Below 35,000 salary) 
16% (for 75,000 & above salary) 17% (for 35,000  75,000 salary) 18% (below 35,000 salary) 
Rs.2834 (for 75,000 & above salary) Rs.2886 (for 35,000  75,000 salary) Rs.2937 (below 35,000 salary) 
17% (for 75,000 & above salary) 18% (for 35,000  75,000 salary) 21% ( below 35,000 salary) 
Rs.2886 (for 75,000 & above salary) Rs.2937 (for 35,000  75,000 salary) Rs.3097 ( below 35,000 salary) 
NIL for Select Corporates Employees (CAT A & B) 4% For Rest  1%  2%  
Citibank  11.49%  16.50% 
Rs.2608  Rs.2860 
Upto 3%  Upto 2.0% + 0.5% (waiver on PF) Special surprise gift from Citi Bank 

IndusInd Bank 
12.99% (for 1 5 Lac & above loan Amount (for 1 Lac & above salary)) 13.50% (For 1 Lac & above Salary ) 14.50% (For 50,000 1 Lac Salary) 15% (Below 50,000) 
Rs.2682 (for 1 5 Lac & above loan Amount (for 1 Lac & above salary)) Rs.2708 (For 1 Lac & above Salary ) Rs.2758 (For 50,000 1 Lac Salary) Rs.2783 (Below 50,000) 
13.49% (for 1 5 Lac & above loan Amount (for 1 Lac & above salary)) 14.25% (For 1 Lac & above Salary ) 15% (For 50,000 1 Lac Salary) 15.75% (Below 50,000 salary) 
Rs.2707 (for 1 5 Lac & above loan Amount (for 1 Lac & above salary)) Rs.2745 (For 1 Lac & above Salary ) Rs.2783 (For 50,000 1 Lac Salary) Rs.2821 (Below 50,000 salary) 
18% (For 1 Lac & above Salary ) 18.50% (For 50,000 1 Lac Salary) 19% (Below 50,000 salary) 
Rs.2937 (For 1 Lac & above Salary ) Rs.2964 (For 50,000 1 Lac Salary) Rs.2990 (Below 50,000 salary) 
Nil for Loan Amount above 10 Lakhs else 4% (Salary >75k)  1%  2%  
Axis Bank 
15% (For Super CAT A) 16% (For CAT A) 
Rs.2783 (For Super CAT A) Rs.2834 (For CAT A) 
17% 
Rs.2886 
19%  20% 
Rs.2990 
Nil  2%  
Andhra Bank  15.75%  16.75% 
Rs.2821  Rs.2873 
16.75%  18.75% 
Rs.2873  Rs.2977 
Rs250  Rs1000/  
Bank of Baroda  14.75% 
Rs.2770 
14.75% 
Rs.2770 

Corporation Bank 
14.50% ((undertaking letter required) ) 
Rs.2758 ((undertaking letter required) ) 
N.A 
Rs.2126  Rs.2126 
N.A 
Rs.2126 
N.A  N.A  
United Bank Of India 
16% (12%(For pensioners)) 
Rs.2834 (12%(For pensioners)) 
16%  18% (12%(For pensioners)) 
Rs.2834  Rs.2937 (12%(For pensioners)) 
16%  18% (12%(For pensioners)) 
Rs.2834 (12%(For pensioners)) 
N.A.  N.A.  
Vijaya Bank  16% 
Rs.2834 
N.A 
Rs.2126 
N.A 
Rs.2126 
N.A.  N.A.  
Indian Bank  13.70%  14.20% 
Rs.2718  Rs.2743 
13.70%  14.20% 
Rs.2718  Rs.2743 
13.70%  14.20% 
Rs.2718 
N.A  0.50% on the loan amount with min of Rs 500/  
Bank of India  15% 
Rs.2783 
15% 
Rs.2783 
15% 
Rs.2783 
N.A  2%  
Canara Bank  14.95% 
Rs.2781 
14.95% 
Rs.2781 
14.95% 
Rs.2781 
N.A  0.25 %  
State Bank of Bikaner and Jaipur (SBBJ)  13.05%  14.05% 
Rs.2685  Rs.2735 
13.05%  14.05% 
Rs.2685  Rs.2735 
13.05%  14.05% 
Rs.2685 
N.A  1%  
State Bank of Hyderabad (SBH)  14.05%  15.25% 
Rs.2735  Rs.2796 
14.05%  15.25% 
Rs.2735  Rs.2796 
14.05%  15.25% 
Rs.2735 
N.A  1%(min Rs. 1000)  
State Bank of Maharashtra (SBM)  16.85% 
Rs.2878 
16.85% 
Rs.2878 
16.85% 
Rs.2878 
N.A  1%  
State Bank of Patiala (SBP)  12.50%  14.50% 
Rs.2658  Rs.2758 
12.50%  14.50% 
Rs.2658  Rs.2758 
12.50%  14.50% 
Rs.2658 
N.A  1.01%  
State Bank of Travancore (SBT)  12.60%  13.60% 
Rs.2663  Rs.2713 
12.60%  13.60% 
Rs.2663  Rs.2713 
12.60%  13.60% 
Rs.2663 
N.A  1%+S.T.  
Union bank of India  14.35% 
Rs.2750 
14.35% 
Rs.2750 
14.35% 
Rs.2750 
N.A  14.35%  0.5%(min.Rs 500)  
Allahabad Bank  13.55% 
Rs.2710 
13.55% 
Rs.2710 
13.55% 
Rs.2710 
N.A  1.22%(min.Rs.1223)  
Central Bank of India  13.20% 
Rs.2693 
13.20% 
Rs.2693 
13.20% 
Rs.2693 
N.A  Rs.500 One time free  
Dena bank  13%  14% 
Rs.2683  Rs.2733 
13%  14% 
Rs.2683  Rs.2733 
13%  14% 
Rs.2683 
N.A  1%  
Bank of Maharashtra  15.15% 
Rs.2791 
15.15% 
Rs.2791 
15.15% 
Rs.2791 
N.A  1% (min.Rs. 1000)  
Indian Overseas Bank  14.05% 
Rs.2735 
14.05% 
Rs.2735 
14.05% 
Rs.2735 
N.A  1.01%  1.10%  
IDBI Bank  13.20% 
Rs.2693 
13.20% 
Rs.2693 
13.20% 
Rs.2693 
N.A  1% + S.T.  
Oriental Bank of Commerce  11.05%  12.80% 
Rs.2587  Rs.2673 
11.05%  12.80% 
Rs.2587  Rs.2673 
11.05%  12.80% 
Rs.2587 
N.A  0.5% (min.Rs. 500)  
UCO Bank  12.20%  12.45% 
Rs.2643  Rs.2656 
12.20%  12.45% 
Rs.2643  Rs.2656 
12.20%  12.45% 
Rs.2643 
N.A  1%(min.Rs.750)  



*Terms & conditions apply  
Where
Top 5 factors that effect your Personal Loan Interest Rates:1.Income:: If your Income is above a certain limit, Banks believe that your chances of paying are higher as you have a regular income. Most Banks have categories according to income where they give different rates. 2.Company Status: Banks define Companies in 34 categories namely •Cat C •Others Anyone working in these companies can take a Personal loan from Banks. The better the category of your company, the lesser rate of interest you get. Banks classify these companies on the size of company and reputation. Banks give a lesser rate of interest to CAT A company customers as they are less likely to default. So, if your company (startups) is new and not categorized in the Banks you are likely to get a higher rate or no loan from the banks. 3.Credit and Payment History: Banks follow Cibil scores/rating before giving personal loans. If your payments for Credit Cards and Loans is not up to mark, there is a chance for you of getting rejected by the bank or getting a higher rate of interest. Cibil score for a personal loan is in the range of 0900 and most banks prefer customers with the score above 750. Also, if your Cibil score is more than 800, you can get 0.25% basis drop on your personal loan rate of interest 4.Relationship with your Bank:The bank where you have your Saving account/Salary account is most likely to give you some special rate of interest or processing fees on personal loans. Banks make sure that their personal loan and credit card customers get better options as compared to other banks. So, before applying to other banks for a personal loan, check your own bank rate of interests 5.Individuals Negotiation Skills:Keeping in mind the above information, you can always negotiate and ask Banks for special waivers on Interest Rates, Processing Fees, etc. Factors effecting Self Employed customer for Personal loan Interst Rates:
