What is RightBank.ai?

RightBank.ai manages 5 data types including banks. Helps you organize, track, and share your work in 1 place for teams and solo users.

Home/Personal Loans

Personal Loans

Unsecured, Instant Approval — From 9.99% p.a.

General Banking Guidance— category overview. Certified product facts appear in each product card below.

45 products· 22 banks

Home/Products/Personal Loans

Personal Loans

Unsecured, Instant Approval — From 9.99% p.a.

General Banking Guidance— category overview. Certified product facts appear in each product card below.

What is this?

A personal loan is an unsecured loan — no collateral required — that can be used for any personal purpose including medical emergencies, travel, wedding, home renovation, education, or debt consolidation.

Available Variants

Regular Personal Loan

Pre-approved Personal Loan (instant)

Top-up Personal Loan

Salary Overdraft / Loan for Salaried

Personal Loan for Self-Employed

Key Benefits

No collateral required

Instant disbursal for pre-approved customers (10 seconds – 4 hours)

Tenure 12–84 months

Minimal documentation

Flexible EMI options

Prepayment allowed after initial lock-in period

Eligibility Criteria

Salaried employees: age 21–60, minimum salary ₹15,000–₹30,000/month (varies by bank), CIBIL 700+. Self-employed: 2+ years business vintage, minimum turnover as per bank norms.

Who Should Choose This?

Salaried employees with urgent fund needs
Medical emergencies
Wedding or travel expenses
Home renovation without mortgage
Debt consolidation

Need help choosing?

Our advisors coordinate with banks for exclusive rates not available publicly.

Data verified from: Official bank websites — verified April 2026

ProductsBank-wise Products

45 products across 22 banks

Canara Bank

Canara My Money

OD Against FD

Personal Loan

Interest Rate

9% – 11% p.a.

Interest Type

floating

Processing Fee

1% + GST

Loan Amount

from ₹50,000 | up to ₹10,00,000

ICICI Bank

ICICI Bank Personal Loan

Personal Loan

Interest Rate

10.65% – 16% p.a.

Processing Fee

Loan Amount

up to ₹50,00,000

Min Credit Score

CIBIL 700

State Bank of India

SBI Pension Loan

Pension

Personal Loan

Interest Rate

11.05% – 18% p.a.

Interest Type

fixed

Processing Fee

1.5%+GST

Loan Amount

from ₹50,000 | up to ₹14,00,000

IndusInd Bank

IndusInd Personal Loan

Standard

Personal Loan

Interest Rate

10.49% – 22% p.a.

Interest Type

fixed

Processing Fee

1.5%-3%

Loan Amount

from ₹50,000 | up to ₹50,00,000

IndusInd Bank

IndusInd Line of Credit

Line of Credit

Personal Loan

Interest Rate

10.49% – 22% p.a.

Interest Type

floating

Processing Fee

1.5%-3%

Loan Amount

from ₹50,000 | up to ₹50,00,000

State Bank of India

SBI Personal Loan for Pensioners

Personal Loan

Interest Rate

11.05% – 15.30% p.a.

Interest Type

floating

Processing Fee

1.5%+GST

Loan Amount

from ₹50,000 | up to ₹14,00,000

DCB Bank

DCB Zippi Personal Loan

Zippi Instant Loan

Personal Loan

Interest Rate

13% – 18% p.a.

Interest Type

floating

Processing Fee

2% to 3%

Loan Amount

from ₹50,000

DCB Bank

DCB Personal Loan

Standard

Personal Loan

Interest Rate

13% – 25% p.a.

Interest Type

floating

Processing Fee

Up to 3% of loan amount + GST

Loan Amount

from ₹50,000 | up to ₹5,00,000

Canara Bank

Canara Pension Loan

Pension Loan

Personal Loan

Interest Rate

10.25% – 11.75% p.a.

Interest Type

floating

Processing Fee

0.50% to 1.00% (Min ₹1,000)

Loan Amount

from ₹10,000

Canara Bank

Canara Heal

Medical Loan

Personal Loan

Interest Rate

10.55% p.a.

Interest Type

floating

Processing Fee

0.50% to 1.00% (Min ₹1,000)

Loan Amount

from ₹10,000 | up to ₹5,00,000

ICICI Bank

ICICI Personal Loan

Salaried — Instant

Personal Loan

Interest Rate

10.65% – 18% p.a.

Processing Fee

2% of loan amount + GST

Loan Amount

from ₹50,000 | up to ₹50,00,000

Min Credit Score

CIBIL 700

Canara Bank

Canara Budget

Budget

Personal Loan

Interest Rate

9.95% – 14.95% p.a.

Interest Type

floating

Processing Fee

0.50% to 1.00% (Min ₹1,000)

Loan Amount

from ₹10,000 | up to ₹30,00,000

Bank of Baroda

Baroda Loan to Pensioners

Pension Loan

Personal Loan

Interest Rate

10.40% – 14% p.a.

Interest Type

floating

Processing Fee

1% + GST

Loan Amount

from ₹50,000

HDFC Bank

Personal Loan

Self-Employed

Personal Loan

Interest Rate

10.50% – 18% p.a.

Interest Type

floating

Processing Fee

2% of loan amount + GST

Loan Amount

from ₹50,000 | up to ₹50,00,000

ICICI Bank

ICICI Personal Loan

Balance Transfer

Personal Loan

Interest Rate

10.65% – 16% p.a.

Processing Fee

2% + GST

Min Credit Score

CIBIL 700

ICICI Bank

ICICI Personal Loan

Self-Employed

Personal Loan

Interest Rate

10.65% – 16% p.a.

Processing Fee

2% + GST

Min Credit Score

CIBIL 700

Capital Small Finance Bank

Capital Personal Loan

Standard

Personal Loan

Interest Rate

11% – 20% p.a.

Interest Type

floating

Processing Fee

2% of loan amount + GST

Loan Amount

from ₹50,000 | up to ₹40,00,000

AU Small Finance Bank

AU Digital Personal Loan

Digital

Personal Loan

Interest Rate

11.50% – 24% p.a.

Interest Type

floating

Processing Fee

1% + GST

Loan Amount

from ₹50,000 | up to ₹10,00,000

AU Small Finance Bank

AU Consumer Durable Loan

Consumer Durable

Personal Loan

Interest Rate

18% p.a.

Interest Type

floating

Processing Fee

1% + GST

Loan Amount

from ₹50,000 | up to ₹3,00,000

Bank of Baroda

Baroda Digital Personal Loan

Digital

Personal Loan

Interest Rate

10.40% – 18.75% p.a.

Interest Type

floating

Processing Fee

1%-2% (Min ₹1,000; Max ₹10,000 + GST)

Loan Amount

from ₹50,000 | up to ₹20,00,000

Bank of Baroda

Baroda Personal Loan

Standard

Personal Loan

Interest Rate

10.40% – 18.10% p.a.

Interest Type

floating

Processing Fee

1% + GST

Loan Amount

from ₹50,000

Bank of Baroda

Baroda Home Suvidha

Home Suvidha

Personal Loan

Interest Rate

10.40% – 18.10% p.a.

Interest Type

floating

Processing Fee

1% + GST

Loan Amount

from ₹50,000

Jana Small Finance Bank

Jana Personal Loan

Standard

Personal Loan

Interest Rate

11% – 36% p.a.

Interest Type

fixed

Processing Fee

2%-3%

Loan Amount

from ₹25,000 | up to ₹15,00,000

State Bank of India

SBI Xpress Elite Personal Loan

Personal Loan

Interest Rate

11.05% – 15.30% p.a.

Interest Type

floating

Processing Fee

1.5%+GST

Loan Amount

from ₹50,000 | up to ₹50,00,000

State Bank of India

SBI Xpress Credit Personal Loan

Personal Loan

Interest Rate

11.05% – 15.30% p.a.

Interest Type

floating

Processing Fee

1.5%+GST

Loan Amount

from ₹50,000 | up to ₹35,00,000

HDFC Bank

Personal Loan

Salaried

Personal Loan

Interest Rate

9.99% – 24% p.a.

Interest Type

floating

Processing Fee

Up to 2.50% of total loan sanction value, minimum Rs. 1,999, maximum Rs. 25,000

Loan Amount

from ₹25,000 | up to ₹40,00,000

Axis Bank

Axis Bank Insta Personal Loan

Insta — Pre-approved

Personal Loan

Interest Rate

10.50% – 18% p.a.

Interest Type

fixed

Processing Fee

2% of loan amount + GST

Loan Amount

from ₹50,000 | up to ₹15,00,000

Kotak Mahindra Bank

Kotak Mahindra Bank Personal Loan

Salaried

Personal Loan

Interest Rate

10.99% – 24% p.a.

Interest Type

fixed

Processing Fee

0.5%-2%

Loan Amount

from ₹50,000 | up to ₹40,00,000

IDFC FIRST Bank

IDFC FIRST Bank Personal Loan

Salaried

Personal Loan

Interest Rate

10.49% – 23% p.a.

Interest Type

fixed

Processing Fee

Up to 2% + GST

Loan Amount

from ₹50,000 | up to ₹10,00,000

Yes Bank

Yes Bank Personal Loan

Salaried

Personal Loan

Interest Rate

10.85% – 20% p.a.

Interest Type

fixed

Processing Fee

Up to 2.5% + GST

Loan Amount

from ₹50,000 | up to ₹20,00,000

Federal Bank

Federal Bank Personal Loan

Salaried

Personal Loan

Interest Rate

11.49% – 20% p.a.

Interest Type

fixed

Processing Fee

2% + GST

Loan Amount

from ₹50,000 | up to ₹25,00,000

State Bank of India

SBI Xpress Credit Personal Loan

Salaried

Personal Loan

Interest Rate

11.05% – 15.30% p.a.

Interest Type

fixed

Processing Fee

1.5%+GST

Loan Amount

from ₹50,000 | up to ₹20,00,000

IndusInd Bank

IndusInd Bank Personal Loan

Salaried

Personal Loan

Interest Rate

10.49% – 22% p.a.

Interest Type

fixed

Processing Fee

1.5%-3%

Loan Amount

from ₹50,000 | up to ₹50,00,000

RBL Bank

RBL Bank Personal Loan

Salaried

Personal Loan

Interest Rate

17.50% – 21% p.a.

Interest Type

fixed

Processing Fee

Up to 3%

Loan Amount

from ₹25,000 | up to ₹20,00,000

AU Small Finance Bank

AU Bank Personal Loan

Salaried

Personal Loan

Interest Rate

12% – 26% p.a.

Interest Type

fixed

Processing Fee

1% + GST

Loan Amount

from ₹50,000 | up to ₹20,00,000

Equitas Small Finance Bank

Equitas Personal Loan

Salaried Unsecured

Personal Loan

Interest Rate

10.49% – 18% p.a.

Interest Type

fixed

Processing Fee

1% + GST

Loan Amount

from ₹50,000 | up to ₹10,00,000

Ujjivan Small Finance Bank

Ujjivan Personal Loan

Salaried

Personal Loan

Interest Rate

11.49% – 16.49% p.a.

Interest Type

fixed

Processing Fee

0.8%-1.5%

Loan Amount

from ₹10,000 | up to ₹15,00,000

Kotak Mahindra Bank

Personal Loan

Interest Rate

10.99% – 24% p.a.

Interest Type

fixed

Processing Fee

0.5%-2%

Loan Amount

from ₹50,000 | up to ₹1,00,00,000

RBL Bank

RBL Bank Personal Loan Balance Transfer

Balance Transfer

Personal Loan

Interest Rate

17.50% – 21% p.a.

Interest Type

fixed

Processing Fee

Up to 3%

Loan Amount

from ₹25,000 | up to ₹20,00,000

RBL Bank

RBL Bank Personal Loan General

General

Personal Loan

Interest Rate

17.50% – 21% p.a.

Interest Type

fixed

Processing Fee

Up to 3%

Loan Amount

from ₹25,000 | up to ₹20,00,000

Canara Bank

Canara Ready Cash

Ready Cash

Personal Loan

Interest Rate

9.95% p.a.

Interest Type

floating

Processing Fee

0.50% to 1.00% (Min ₹1,000)

Loan Amount

from ₹10,000 | up to ₹10,00,000

South Indian Bank

SIB Personal Loan

Standard

Personal Loan

Interest Rate

11.40% – 18.50% p.a.

Interest Type

floating

Processing Fee

Up to 2% or ₹2,500 (Higher) + GST

Loan Amount

from ₹50,000 | up to ₹15,00,000

ESAF Small Finance Bank

ESAF Personal Loan

Standard

Personal Loan

Interest Rate

13% – 24% p.a.

Interest Type

floating

Processing Fee

Up to 2% of loan amount + GST

Loan Amount

from ₹50,000 | up to ₹20,00,000

Utkarsh Small Finance Bank

Utkarsh Personal Loan

Standard

Personal Loan

Interest Rate

12% – 22% p.a.

Interest Type

floating

Processing Fee

Up to 2% of loan amount + GST

Loan Amount

from ₹50,000 | up to ₹10,00,000

Karnataka Bank

KBL Insta Cash Loan

Insta Cash

Personal Loan

Interest Rate

11.29% – 18% p.a.

Interest Type

floating

Processing Fee

1% + GST

Loan Amount

from ₹50,000 | up to ₹50,00,000

What is this?

Available Variants

Regular Personal Loan

Pre-approved Personal Loan (instant)

Top-up Personal Loan

Salary Overdraft / Loan for Salaried

Personal Loan for Self-Employed

Key Benefits

No collateral required

Instant disbursal for pre-approved customers (10 seconds – 4 hours)

Tenure 12–84 months

Minimal documentation

Flexible EMI options

Prepayment allowed after initial lock-in period

Eligibility Criteria

Salaried employees: age 21–60, minimum salary ₹15,000–₹30,000/month (varies by bank), CIBIL 700+. Self-employed: 2+ years business vintage, minimum turnover as per bank norms.

Who Should Choose This?

Salaried employees with urgent fund needs
Medical emergencies
Wedding or travel expenses
Home renovation without mortgage
Debt consolidation

Get Exclusive Rates — Not Available Publicly

We coordinate with banks on your behalf to unlock deals, negotiate rates, and guide your entire banking journey.