Koshfin Loans Hub
Avail personal loans, business loans and credit lines from banks and lenders in India, then apply through our partner links.
Disclosure: Koshfin is reader-supported. If you apply through our links, we may earn a commission at no extra cost to you. Interest rates, limits and eligibility vary by applicant and change often, so confirm the final terms with the lender before accepting any loan.
HDFC Bank
HDFC Bank Personal Loan
- Benefit
- High-value financing up to ₹75 lakh with rates from 9.99%
- Eligibility
- Salaried only | Min income: ₹30K–₹50K/mo | CIBIL: 700+
- Tenure
- Up to 84 months
Axis Bank
Axis Bank Personal Loan
- Benefit
- Up to ₹40 lakh with interest from 9.99% p.a.
- Eligibility
- Salaried only | Min income: ₹30K–₹40K/mo | CIBIL: 700+
- Tenure
- Up to 84 months
Bajaj Finserv
Bajaj Finserv Personal Loan
- Benefit
- Personal financing up to ₹35 lakh with instant online disbursal
- Eligibility
- Salaried only | Min income: ₹15K/mo | CIBIL: 685+
- Process
- 100% online application
Bajaj Finserv
Bajaj Finserv Overdraft (Flexi loan)
- Benefit
- Credit line up to ₹55 lakh; withdraw as often as you need and pay interest only on what you use. Rates from 11% a year
- Eligibility
- Salaried | Age 21 to 80 | Min income: ₹35K/mo | CIBIL: 720+ | New to credit allowed
- Tenure
- Up to 108 months
Tata Capital
Tata Capital Personal Loan
- Benefit
- Personal loan and overdraft facility up to ₹35 lakh
- Eligibility
- Salaried only | Min income: ₹25K/mo | CIBIL: 725+
- Tenure
- Up to 84 months
HDFC
HDFC Instant Loan (credit card holders)
- Benefit
- Instant disbursal up to ₹15 lakh at low market interest rates
- Eligibility
- Must hold an HDFC Bank credit card
- Tenure
- 6 to 60 months
HDFC
HDFC Smart EMI (credit card holders)
- Benefit
- Turn big credit card purchases into easy monthly EMIs in about 5 minutes, fully online
- Eligibility
- Must hold an HDFC Bank credit card
- Tenure
- Choose your EMI tenure when you convert
Hero Fincorp
Hero Fincorp Personal Loan
- Benefit
- Up to ₹5 lakh with fast approval and a 100% paperless journey
- Eligibility
- Salaried & self-employed | Min income: ₹20K/mo | CIBIL: 750+
- Tenure
- Up to 36 months
Poonawalla Fincorp
Poonawalla Fincorp Personal Loan
- Benefit
- Loans up to ₹15 lakh with interest from 11.50% p.a.
- Eligibility
- Salaried & self-employed | Min income: ₹3 lakh/yr | CIBIL: 720+
- Tenure
- Up to 84 months
Fibe
Fibe Personal Loan
- Benefit
- Up to ₹5 lakh with zero foreclosure charges (interest on used amount)
- Eligibility
- Salaried only | Min income: ₹20K/mo | CIBIL: 680+
- Tenure
- Up to 36 months
Prefr
Prefr Personal Loan
- Benefit
- Instant access up to ₹3,00,000 with 24/7 fund availability
- Eligibility
- Salaried & self-employed | Min income: ₹25K/mo | CIBIL: 725+
- Process
- 100% digital journey
Zype
Zype Personal Loan
- Benefit
- Line of credit up to ₹1,50,000 with instant 60-second approval
- Eligibility
- Salaried | Min income: ₹20K/mo | CIBIL: 650+
- Tenure
- 6 to 12 months (zero foreclosure fees)
Olyv
Olyv Personal Loan
- Benefit
- Loans up to ₹2 lakh with quick digital approval and minimal paperwork
- Eligibility
- Salaried & self-employed | Min income: ₹20K/mo | CIBIL: 680+
- Tenure
- Flexible repayment terms
mPokket
mPokket Personal Loan
- Benefit
- Instant loans up to ₹2,00,000 with a 100% digital process, also open to interns and young professionals
- Eligibility
- Age 18+ · Students, interns and salaried users
- Tenure
- Short-term loans; tenure shown in the app
CreditSea
CreditSea Personal Loan
- Benefit
- Digital loans from ₹5,000 to ₹2,00,000 with zero foreclosure charges
- Eligibility
- Salaried & self-employed | Min income: ₹25K/mo | CIBIL: 500+
- Tenure
- 3 to 36 months
ZapCash
ZapCash Personal Loan
- Benefit
- Unsecured loans up to ₹50,000, with options for limited credit history
- Eligibility
- Salaried & self-employed | CIBIL: 500+
- Process
- App-based digital journey
Ram Fincorp
Ram Fincorp Personal Loan
- Benefit
- Short-term digital loans from ₹1,000 to ₹2,00,000 with instant approval
- Eligibility
- Salaried | Min in-hand income: ₹18K/mo | CIBIL: 600+ (new to credit allowed)
- Tenure
- Up to 45 days
Protium
Protium Business Loan
- Benefit
- Unsecured business financing up to ₹50 lakh, no collateral
- Eligibility
- Self-employed only | Min turnover: ₹1 lakh/mo | CIBIL: 700+
- Process
- 100% digital journey
MyEazyLoan
MyEazyLoan (loan comparison)
- Benefit
- Avail loan offers from top banks and NBFCs in one place
- Eligibility
- Age 18–60 | CIBIL: 700+
- Note
- Works best in a mobile browser
ClickPe (lender: Muthoot FinCorp)
ClickPe Business Loan for Shop Owners
- Benefit
- ₹50,000 to ₹3 lakh for kirana, medical and retail shop owners, fully digital, open to first-time borrowers
- Eligibility
- Age 21–60 | Shop owner with Udyam (MSME) registration | CIBIL: 650+
- Tenure
- 104 to 313 days