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Personal Loan

Personal loan is the obvious choice if you need a finance for Personal finance, Medical emergency, Wedding purposes, Abroad Travel, Holidays, Child education and if for buying durable things. Means if you have a requirement of money. so personal loan is the best choice


  • Minimum per Month Income of 18500 required in other Metro cities
  • Minimum per Month Income of 12500 required in other cities like Tier 1, 2 & 3.
  • Age Must be above 21 Years.
  • Regular Source of Income with Valid proof of income like – Pay Cheque, Account Transfer. Cash salary is not considered by any bank.
  • Minimum 6 Month stability in current company for Salaried, 2 Years ITR for self-employed / Professionals.
  • CIBIL Score must be above 750 points.

If you want to check for how much loan amount you are eligible, so go through this link which let you know the exact amount on the basis of your Net monthly Income, Liabilities, No. of dependents etc etc.


Personal loan emi calculator is the essential tool which helps borrowers to check how much per month emi have to pay for the borrow amount from the bank. Borrowers calculate the per month emi on the basis or in just three simple steps

  • Go to Calculator Page
  • Enter required loan amount
  • Enter Interest rates on which bank offer the loan
  • Enter the tenure or repayment period
  • Then Calculate

Results shown to you by calculator on the basis of your entered details in the calculator. For example if you applied for 2 lakh of loan amount @ 15.50% rate of interest for 4 years repayment period than you have to pay Rs. 5616.97 per month for 4 years.


Almost all banks offers personal loan to self-employed persons on the basis of business stability & last 2 or 3 years Income tax returns. Interest rates are also on the higher side for the comparison to salaried people.

  • Maximum loan amount avail upto 15 lakhs.
  • Maximum tenure period is 5 Years.
  • Mandatory bank account, Part payment option is not available for self employed borrowers.


Interest rates on any loan plays an important part so always choose the lowest one is beneficial. Personal loan interest rates for most of the banks starts from 11.59% to 22.00%. Some banks offer special interest rates to its customer on the basis of Company, Profile, Residential status, Income per month. Banks offer lowest rates to only CAT A based company employees. So have a look at major banks personal loan interest rates below: