Compare Loans in India
Home loans, personal loans, education loans, car loans, credit cards — find the lowest rates from top Indian banks. Free EMI calculator. No spam calls.
Home loan — the biggest financial decision of your life
A home loan typically runs 15-30 years. Even a 0.5% difference in interest rate can save you ₹5-10 lakh over the life of a ₹50 lakh loan. Always compare at least 4 banks before signing. The marketed "starting" rate is what's offered to top-CIBIL applicants — your actual rate depends on credit score, income, and the property type.
Home loan EMI calculator
| Bank | Interest rate (p.a.) | Processing fee | Max tenure | Rating | |
|---|---|---|---|---|---|
| SBI | 8.50% onwards | 0.35% (max ₹10k) | 30 yr | ★ 4.5 | Apply |
| HDFC Bank | 8.65% onwards | 0.50% | 30 yr | ★ 4.6 | Apply |
| ICICI Bank | 8.75% onwards | 0.50% + GST | 30 yr | ★ 4.5 | Apply |
| Axis Bank | 8.75% onwards | 1% (max ₹10k) | 30 yr | ★ 4.4 | Apply |
| Kotak Mahindra | 8.70% onwards | 0.50% | 20 yr | ★ 4.3 | Apply |
| Bajaj Housing Finance | 8.45% onwards | 0.25% | 30 yr | ★ 4.5 | Apply |
Personal loan — fast cash, but the most expensive loan you can take
Personal loans are unsecured (no collateral) so banks charge 11-22% interest — much higher than home or car loans. Use only for genuine emergencies or big-ticket purchases you can repay quickly. Check the APR (annual percentage rate) which includes processing fees, not just the headline interest rate.
| Bank | Interest rate (p.a.) | Min/Max amount | Tenure | Rating | |
|---|---|---|---|---|---|
| HDFC Bank | 10.50% onwards | ₹50k - ₹40L | 1-6 yr | ★ 4.6 | Apply |
| ICICI Bank | 10.65% onwards | ₹50k - ₹50L | 1-6 yr | ★ 4.5 | Apply |
| Axis Bank | 10.75% onwards | ₹50k - ₹40L | 1-5 yr | ★ 4.4 | Apply |
| SBI | 11.05% onwards | ₹25k - ₹20L | 1-6 yr | ★ 4.4 | Apply |
| Bajaj Finserv | 11.00% onwards | ₹1L - ₹40L | 6m-7yr | ★ 4.5 | Apply |
| Kotak Mahindra | 10.99% onwards | ₹50k - ₹40L | 1-5 yr | ★ 4.4 | Apply |
Education loan — invest in your future at India's lowest rates
Education loans up to ₹7.5 lakh in India don't need collateral. Above that, banks ask for property pledge or third-party guarantee. Education loans qualify for tax deduction under Section 80E for 8 years — making the effective interest rate even lower. Foreign study loans (USA, UK, Canada, Australia) typically range from ₹20 lakh to ₹1 crore.
| Bank | Interest rate (p.a.) | Max amount | Moratorium | Rating | |
|---|---|---|---|---|---|
| SBI Scholar Loan | 8.05% onwards | ₹1.5 Cr | Course + 1 yr | ★ 4.6 | Apply |
| HDFC Credila | 9.55% onwards | No upper limit | Course + 1 yr | ★ 4.5 | Apply |
| Axis Bank | 11.50% onwards | ₹75 L (study abroad) | Course + 6 mo | ★ 4.3 | Apply |
| ICICI Bank | 10.50% onwards | ₹3 Cr | Course + 6 mo | ★ 4.4 | Apply |
| Bank of Baroda | 9.15% onwards | ₹1.5 Cr | Course + 1 yr | ★ 4.4 | Apply |
Car loan — finance your new ride at the right rate
Car loans typically cover 80-100% of on-road price. Loan tenure is usually 5-7 years; longer = lower EMI but more total interest paid. Always opt for at least 20% down payment to avoid being "underwater" (loan balance higher than car resale value).
| Bank | Interest rate (p.a.) | Max LTV | Tenure | Rating | |
|---|---|---|---|---|---|
| SBI | 8.85% onwards | 90% | 7 yr | ★ 4.5 | Apply |
| HDFC Bank | 8.95% onwards | 100% | 7 yr | ★ 4.6 | Apply |
| ICICI Bank | 9.10% onwards | 100% | 7 yr | ★ 4.5 | Apply |
| Axis Bank | 9.30% onwards | 100% | 8 yr | ★ 4.4 | Apply |
| Kotak Mahindra | 9.00% onwards | 90% | 7 yr | ★ 4.4 | Apply |
Credit cards — the right card pays you to spend
The best Indian credit cards in 2025 offer 1-5% cashback or 4-10 reward points per ₹100 spent. Match the card to your spend pattern: airlines for travelers, fuel cards for commuters, dining cards for foodies. Always pay full balance — interest is 36-48% APR.
| Card | Best for | Annual fee | Reward rate | Rating | |
|---|---|---|---|---|---|
| HDFC Diners Club Black | Premium travel | ₹10,000 | 5 RP / ₹150 | ★ 4.7 | Apply |
| Axis Magnus Burgundy | High spenders | ₹12,500 | 12 EDGE / ₹200 | ★ 4.6 | Apply |
| SBI Cashback | Online shoppers | ₹999 | 5% online | ★ 4.5 | Apply |
| Amazon Pay ICICI | Amazon shoppers | FREE | 5% on Amazon | ★ 4.6 | Apply |
| Flipkart Axis | Flipkart shoppers | ₹500 | 5% Flipkart, 4% partners | ★ 4.5 | Apply |
| HDFC MoneyBack+ | Beginners | ₹500 | 2× CashPoints | ★ 4.3 | Apply |
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Frequently asked questions
How is my CIBIL score calculated?
CIBIL is a 300-900 score based on payment history (35%), credit utilization (30%), credit age (15%), credit mix (10%), and recent enquiries (10%). Above 750 unlocks the best rates; below 650 means most banks will reject you.
Should I pre-pay my home loan or invest the surplus?
Rule of thumb: if your home loan rate is higher than your investment return after tax, pre-pay. Most equity SIPs return 12-15% pre-tax, vs home loans at 8.5%. Investing usually wins long-term, but pre-paying is psychologically liberating.
What is the difference between fixed and floating rate?
Floating rates change with RBI repo rate (currently 6.5%). Fixed rates stay constant for the entire tenure. In India, almost everyone takes floating — historical data shows it's cheaper over 20+ year periods.
Can I get a personal loan without a salary slip?
Yes — self-employed and freelancers can apply with bank statements (12 months) and ITR (2 years). Rates may be 1-2% higher than salaried. NBFCs like Bajaj Finserv and KreditBee are friendlier than traditional banks.
What is foreclosure charge on a loan?
Banks charge 0-5% of outstanding amount if you close the loan early. RBI has banned foreclosure charges on floating-rate home loans for individual borrowers — but they still apply on personal/car/business loans. Always check before signing.
How many credit cards should I have?
2-3 is optimal. One general-purpose, one for online/cashback, one for fuel/travel. Too many cards hurt your CIBIL score. Don't open new cards within 6 months of a major loan application.