Personal Loan
Instant funds for weddings, medical needs, travel or renovation — no collateral required.
- Interest Rate
- 9.99% p.a. onwards
- Loan Amount
- Up to ₹40 Lakhs
- Tenure
- 12 – 84 months
- Approval
- As fast as 30 min
A personal loan is the fastest way to raise funds without pledging any asset. We match your income profile against offers from leading banks so you get the lowest rate you qualify for, with approval in as little as 30 minutes and disbursal within 24–48 hours.
Compare personal loan offers
Same application, every lender compared. We negotiate on your behalf and route your file to the bank most likely to approve it at the best rate.
Showing 4 of 4 offers, best rate highlighted.
| Lender | Rate (p.a.) | Max amount | Tenure | Processing fee | Actions |
|---|---|---|---|---|---|
HDFC Bank Best rate | 9.99% onwards9.99% – 24.00% p.a. | ₹50,000 – ₹40 Lakh | 12 – 60 months | Up to 2.5% (max ₹6,500) | |
Axis Bank | 9.99% onwards9.99% – 22.00% p.a. | ₹50,000 – ₹40 Lakh | 12 – 84 months | Up to 2% + GST | |
State Bank of India | 10.30% onwards10.30% – 15.30% p.a. | ₹25,000 – ₹35 Lakh | 12 – 84 months | 1.5% of loan amount | |
ICICI Bank | 10.85% onwards10.85% – 16.65% p.a. | ₹50,000 – ₹50 Lakh | 12 – 72 months | Up to 2% + GST |
Rates, fees and eligibility are indicative, vary by applicant profile and lender policy, and are confirmed at the time of sanction. Vridhee Finsol is a distributor — sanction rests solely with the bank.
Features & benefits
- No collateral or guarantor required
- Completely digital application and disbursal
- Flexible EMI options and tenure up to 7 years
- Use for any purpose — wedding, medical, travel, education, debt consolidation
- Pre-approved offers for select salaried profiles
- Balance-transfer option to reduce EMIs on an existing loan
Eligibility
- Age between 21 and 60 years
- Minimum monthly income of ₹25,000
- Credit score of 700+ for best rates
- Salaried, self-employed or business owner
Documents required
- PAN card and Aadhaar card
- Last 3 months' salary slips (salaried) or ITR (self-employed)
- Last 6 months' bank statements
- Employment / business proof
How it works
- 1
Apply online or on a call — 2 minutes
- 2
We compare offers across 8+ banks for your profile
- 3
Choose your best offer; we handle documentation
- 4
Sanction and disbursal — most files in 24–48 hours
Estimate your EMI
Monthly EMI
₹21,494
- Principal
- ₹10,00,000
- Total interest
- ₹2,89,634
- Total payable
- ₹12,89,634
Frequently asked questions
How fast will I actually get the money?
For salaried applicants with clean credit, approval can happen within 30 minutes and disbursal within 24–48 hours of document verification. Self-employed profiles typically take 2–4 working days.
Can I prepay or foreclose the loan early?
Yes. Most banks allow prepayment after 6–12 EMIs. Floating-rate loans usually have zero foreclosure charges; fixed-rate loans may carry 2–4%. We highlight this in every offer we show you.
How much EMI will I pay?
As a rough guide, ₹1 lakh borrowed for 5 years at 11% costs about ₹2,175/month. Use our EMI calculator to model your exact amount and tenure before applying.
Will comparing offers hurt my credit score?
No — our initial comparison uses a soft evaluation. Your bureau is hit only once, when you choose a lender and formally apply.