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Get a revolving personal overdraft limit — borrow only what you need and pay interest solely on the utilised amount. Ideal for managing short-term cash flow gaps.
Transfer your existing high-interest personal loan to a lower-rate lender and reduce your monthly EMI. Save thousands in interest over the remaining loan tenure.
Combine multiple loans and high-interest credit card dues into a single affordable EMI. Simplify repayment and improve your credit score with one structured loan.
Apply for an instant personal loan online and get approval within minutes. Funds are disbursed directly to your bank account — no branch visit, no paperwork hassle.
Adjust the sliders to calculate your monthly EMI, total interest, and repayment amount instantly.
Indicative values only. Actual EMI may vary based on lender terms.
Compare offers from leading lenders. KreditSeva helps you find the best rate for your profile — free.
| Lender | Max Loan Amount | Interest Rate (p.a.) | Processing Fee | Typical TAT* | |
|---|---|---|---|---|---|
 HDFC Bank |
₹50 Lakhs | 9.98% | Up to ₹6,500 + GST | 24–48 Hours | Apply |
 ICICI Bank |
₹50 Lakhs | 9.99% | Up to 2% | 48–72 Hours | Apply |
 Axis Bank |
₹10 Lakhs | 9.99% | Up to 2% | 48–72 Hours | Apply |
 Kotak Mahindra Bank |
₹35–40 Lakhs | 10.99% | 1.1%–5% | 72–96 Hours | Apply |
 IDFC FIRST Bank |
₹10 Lakhs | 9.99% | Up to 2% | 24 Hours | Apply |
 Bajaj Finance |
₹55 Lakhs | 10.00% | Up to 3.93% | 24 Hours | Apply |
 Tata Capital |
₹35 Lakhs | 10.99% | Up to 5.5% | 48–72 Hours | Apply |
 Aditya Birla Finance |
₹50 Lakhs | 10.99% | Up to 4% | 2–5 Days | Apply |
 L&T Finance |
₹50 Lakhs | 12.00% | Up to 4% | 2–5 Days | Apply |
 Cholamandalam |
₹40 Lakhs | 10.00% | 4–6% | 2–5 Days | Apply |
*TAT (Turnaround Time) is indicative and may vary based on documentation, credit profile, and lender processing. Rates are subject to change without notice.
Instant score check, zero impact on your credit — unlock pre-approved offers from 25+ lenders.
Check My Credit ScoreA personal loan is an unsecured loan offered by banks and NBFCs — no need to pledge any asset as security. You can use it for any personal need: medical emergencies, weddings, travel, home renovation, or education.
KreditSeva simplifies the entire process. Instead of approaching multiple banks yourself, our experts compare offers from 25+ lenders and get you the lowest rate with the fastest approval — 100% free of charge.
Fully unsecured — no property or asset needed as guarantee.
Medical, wedding, travel, education or any personal expense.
Instant approval & funds in your bank account same day.
Competitive rates from 25+ top banks and NBFCs.
From application to disbursal — our experts handle everything so you get the best loan without the hassle.
Fill our quick online form with basic info — takes less than 2 minutes.
Our advisor calls you back and matches you to the lowest rate from 25+ lenders.
We assess your credit profile and compare 25+ lenders to match you with the lowest available rate.
Loan amount credited directly to your bank account within 10 minutes to 48 hours.
Basic requirements to qualify for a personal loan
Documents needed to process your application
Enter your income and existing EMIs to instantly check how much personal loan you may be eligible for.
Indicative estimate only. Actual eligibility depends on lender assessment and credit profile.
Interest rate is just one factor. Here's what really matters when picking the right lender.
Choose a provider with a fully digital, paperless process — quick document upload and faster approvals without branch visits.
A dedicated RM who stays with you from application to disbursal — resolving queries on documents, repayments, and more.
Check reviews, lender network, and track record. KreditSeva has helped thousands of borrowers with crores in disbursals.
Ensure all charges are disclosed upfront. KreditSeva shows you the full cost of the loan — no surprises after disbursal.
Compare rates from 25+ lenders at once. We negotiate on your behalf to get the most competitive rate for your profile.
Look for flexible tenure, part-payment options, and no prepayment penalty — giving you control over your repayment.
Best rate from every top bank & NBFC — in seconds, for free.
Apply now, get money in your account the same day.
Your personal RM handles everything — from docs to disbursal.
Fully transparent — no surprises, no fine print tricks.
Upload docs online — no branch visits, no physical forms.
Smart lender matching means more approvals, fewer rejections.
Everything you need to know about personal loans. Can't find your answer?
Talk to Our ExpertA personal loan is an unsecured loan from a bank or NBFC — no collateral needed. You borrow a fixed amount and repay in monthly EMIs. It can be used for medical emergencies, weddings, travel, or home renovation.
Salaried individuals aged 21–58 with ₹20,000+ monthly income and 625+ credit score are eligible. Self-employed professionals and business owners can also apply.
Aadhaar card, PAN card, last 3 months salary slips, last 6 months bank statements, and a passport-size photo. Self-employed may also need ITR and business proof.
With complete documentation, many lenders approve and disburse within 10 minutes to 48 hours. KreditSeva's team ensures your application is complete to avoid delays.
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