Compare personal loans

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₹10,000
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APR 10.5%

HDFC Bank

HDFC Bank Education Loan

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

₹100k–₹5M 12–180 months ⚡ 3-5 business days

HDFC Bank charges a premium on interest rates compared to PSU banks, but makes up for it with significantly faster processing and a smoother application experience. The unsecured limit of up to ₹50 lakh at select premier institutes is exceptionally generous.

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APR 10.25%

ICICI Bank

ICICI Bank Personal Loan

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

₹50k–₹5M 12–60 months ⚡ Same day

ICICI Bank offers a streamlined personal loan process with competitive rates, making it a solid choice for borrowers with high credit scores.

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APR 6.9%

Axis Bank

Axis Bank Education Loan

Students heading abroad or to premier Indian institutes who want a private bank experience with competitive rates for top-tier admissions.

₹50k–₹7.5M 12–180 months ⚡ 5-7 business days

Axis Bank straddles the line between PSU affordability and private bank speed. The rate range is wide (6.90%-13.50%), meaning premier-institute students get near-PSU rates while others may face steep costs. Good for study-abroad financing with higher loan limits.

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APR 9.99%

HDFC Bank

HDFC Bank Personal Loan

This loan is best for individuals with a high credit score looking for substantial amounts quickly, especially pre-approved customers.

₹50k–₹5M 12–60 months ⚡ Same day

HDFC Bank offers competitive personal loans with quick disbursal options, making it appealing for urgent financial needs.

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APR 6.85%

Bank of Baroda

Bank of Baroda Baroda Gyan Education Loan

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.

₹100k 12–180 months ⚡ 7-10 business days

Bank of Baroda matches SBI on rates (sometimes even beats it at 6.85%) and offers one of the highest loan limits among PSU banks at ₹1 crore. The multiple scheme options (Vidya, Gyan, Scholar) give genuine flexibility, though navigating which scheme you qualify for can be confusing.

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APR 10.49%

Axis Bank

Axis Bank Personal Loan

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

₹50k–₹4M 12–60 months ⚡ Same day

Axis Bank offers competitive personal loan rates with flexible repayment options, making it a solid choice for borrowers with a good credit score.

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APR 8.5%

ICICI Bank

ICICI Bank Education Loan

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

₹100k 12–144 months ⚡ 3-7 business days

ICICI Bank's standout feature is the massive ₹3 crore loan limit — the highest among major Indian banks — and the generous ₹20 lakh no-margin threshold. Rates are mid-range for a private bank, and the flexible repayment structures (PSI/SI/EMI) genuinely help students manage cash flow during the moratorium period.

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APR 10.5%

Tata Capital

Tata Capital Personal Loan

Salaried individuals earning over ₹25,000 per month who seek substantial personal loans.

₹75k–₹3.5M 12–72 months ⚡ Same day

Tata Capital provides a strong offering with quick approvals and a wide loan amount range. However, borrowers should be cautious of the higher interest rates that can reach up to 24% p.a.

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APR 8.75%

Axis Bank

Axis Bank Car Loan

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

₹100k 12–84 months

Axis Bank provides a strong option for car financing, but be mindful of the income criteria and interest rate range.

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APR 6.9%

State Bank of India

SBI Student Loan Scheme

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

₹100k–₹5M 12–180 months ⚡ 15 business days

SBI's Student Loan Scheme is one of the most affordable education loan options in India thanks to PSU bank rates. The no-collateral limit of ₹7.5 lakh makes it accessible for domestic studies, and the 0.50% concession for female students is a genuine saving. Processing is slower than private banks, but the rate advantage is hard to beat.

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APR 10.49%

IDFC FIRST Bank

IDFC FIRST Bank Personal Loan

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

₹20k–₹4M 6–60 months ⚡ Same day

IDFC FIRST Bank offers a streamlined personal loan process with competitive rates, making it suitable for those looking for quick financial solutions.

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APR 8.4%

ICICI Bank

ICICI Bank Car Loan

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

₹100k 12–84 months

ICICI Bank's car loans provide a flexible financing option for buyers looking for competitive rates and quick approval.

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APR 7.25%

Canara Bank

Canara Bank Vidya Turant Education Loan

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

₹100k 12–180 months ⚡ 5-10 business days

Canara Bank's Vidya Turant is a standout PSU education loan — the 7.35% starting rate is competitive, and the ₹1 crore limit under the master's degree scheme matches the best in the industry. The scheme categorisation by institution type gives genuine rate advantages to premier institute students.

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APR 9.0%

Poonawalla Fincorp

Poonawalla Fincorp Personal Loan

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

₹50k–₹2.5M 12–60 months ⚡ 10 minutes

Poonawalla Fincorp offers a reliable personal loan solution with competitive rates and a quick online application process.

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APR 6.85%

Punjab National Bank

PNB Saraswati Education Loan

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.

₹100k–₹5M 12–180 months ⚡ 7-14 business days

PNB's Saraswati scheme offers some of the lowest education loan rates in India at 6.85% p.a. for premier institutes. The 0.50% concession for female students and nil processing fees are genuine advantages. However, the scheme is heavily focused on merit-based admissions and may not suit students at non-premier institutions.

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APR 10.25%

Kotak Mahindra Bank

Kotak Mahindra Bank Personal Loan

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

₹50k–₹4M 12–60 months ⚡ Same day

The Kotak Mahindra Bank Personal Loan offers a convenient, fully digital application process with competitive interest rates, making it an attractive option for borrowers with good credit.

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