{"id":562,"date":"2026-05-25T13:01:00","date_gmt":"2026-05-25T07:31:00","guid":{"rendered":"https:\/\/www.taptaploans.in\/blog\/?p=562"},"modified":"2026-05-28T14:10:05","modified_gmt":"2026-05-28T08:40:05","slug":"personal-loan-interest-rates-india","status":"publish","type":"post","link":"https:\/\/www.taptaploans.in\/blog\/personal-loan-interest-rates-india\/","title":{"rendered":"Personal Loan Interest Rates in India Explained for 2026"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Personal loan interest rates in India in 2026 start at 9.99% per annum \u2014 but that number applies to a specific borrower profile that perhaps 10\u201315% of applicants qualify for. The rate on your actual application will depend on five variables that banks use to calculate your individual risk price. Understanding these variables determines whether you receive the <a href=\"https:\/\/www.taptaploans.in\/blog\/personal-loan-interest-rates-india\/\"><strong>headline rate<\/strong><\/a> or something 4\u20136% higher.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This guide provides accurate rate data across all major lenders, explains precisely what drives the pricing differential, and tells you exactly how to calculate the rate your profile is likely to receive before you apply.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How Personal Loan Interest Rates Are Set in India<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Personal loan rates in India are not regulated at a specific ceiling (unlike some microfinance products). Each bank or NBFC sets its base rate internally and then applies a risk premium based on the individual borrower&#8217;s profile. The risk premium is determined through a credit model that weighs repayment history, income stability, employer quality, and <a href=\"https:\/\/www.taptaploans.in\/blog\/foir-personal-loan-india\/\"><strong>current debt obligations.<\/strong><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This model produces a rate specific to each application, which is why the same lender might offer 11% to one borrower and 18% to another on the same loan product. The advertised &#8216;starting from&#8217; rate is not a typical rate; it is the floor rate available to the best possible profile.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Current Rates: All Major Banks and NBFCs<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The following rate ranges are current as of early 2026 for unsecured personal loans in India:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>IDFC FIRST Bank: 9.99% to 36% p.a. | No prepayment penalty | Up to Rs. 40 lakh<\/li>\n\n\n\n<li>Poonawalla Fincorp: 9.99% to 30% p.a. | Strong self-employed acceptance | Up to Rs. 30 lakh<\/li>\n\n\n\n<li>HDFC Bank: 10.50% to 24% p.a. | Fastest approval for existing customers | Up to Rs. 40 lakh<\/li>\n\n\n\n<li>SBI Xpress Credit: 10.30% to 15.30% p.a. | Government employees only | Up to Rs. 35 lakh<\/li>\n\n\n\n<li>Kotak Mahindra Bank: 10.99% to 36% p.a. | Competitive for metro city borrowers | Up to Rs. 40 lakh<\/li>\n\n\n\n<li>Axis Bank: 10.49% to 22% p.a. | Pre-approved loans for existing customers at lower rates | Up to Rs. 40 lakh<\/li>\n\n\n\n<li>Bajaj Finserv: 11% to 39% p.a. | Flexi-loan structure; strong approval rates | Up to Rs. 55 lakh<\/li>\n\n\n\n<li>Muthoot Finance (personal loan): 14% to 26% p.a. | Strong in Tier 2\/3 cities | Up to Rs. 15 lakh<\/li>\n\n\n\n<li>Tata Capital: 10.99% to 35% p.a. | Good approval rate for salaried professionals | Up to Rs. 35 lakh<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These ranges are wide. The applicable rate for any given borrower sits somewhere within this range based on their <strong><a href=\"https:\/\/www.taptaploans.in\/blog\/cibil-score-for-personal-loan-india\/\">CIBIL score<\/a>,<\/strong> employer tier, income level, and existing debt obligations.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The Five Variables That Determine Your Actual Rate<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. CIBIL Score<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is the most influential variable. At HDFC Bank, for example, a borrower with a 780 CIBIL score might receive a rate of 10.75%, while the same income and employer profile with a 710 score would receive 14.5%. The CIBIL impact on rate typically follows this pattern: each<strong> <a href=\"https:\/\/www.taptaploans.in\/blog\/how-to-improve-cibil-score-fast\/\">30-point improvement in score <\/a><\/strong>above 700 reduces the offered rate by approximately 0.75\u20131.5% at most lenders.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Employer Category<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">As discussed earlier in this guide series, your employer&#8217;s position on the lender&#8217;s internal whitelist determines the rate floor available to you.<strong> <a href=\"https:\/\/www.taptaploans.in\/blog\/loan-against-salary\/\">Government employees<\/a> <\/strong>at SBI consistently access rates that a private sector SME employee could not access at any CIBIL score.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Monthly Net Income<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.taptaploans.in\/blog\/personal-loan-for-salaried-india\/\"><strong>Higher income<\/strong><\/a> at the same CIBIL score generally attracts a lower rate, because higher income reduces default probability. Many banks apply manual rate overrides for borrowers with net monthly income above Rs. 1 lakh, regardless of their CIBIL tier.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Loan Amount and Tenure<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Shorter tenures reduce lender risk (less time for circumstances to change) and often attract lower rates. A<strong> <a href=\"https:\/\/www.taptaploans.in\/blog\/loan-foreclosure-vs-prepayment\/\">24-month loan<\/a><\/strong><a href=\"https:\/\/www.taptaploans.in\/blog\/loan-foreclosure-vs-prepayment\/\"> <\/a>may price 0.5\u20131% lower than a 60-month loan for the same borrower.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. Existing Relationship with the Lender<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pre-approved personal loan offers \u2014 visible in net banking or sent via SMS \u2014 are consistently 1\u20132.5% lower than fresh application rates. Salary account holders and home loan customers of a bank can access pre-approved rates that are not available to new customers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Rate Comparison by CIBIL Score Band<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>750 and above: Access the starting rate at most banks and premium NBFCs. Approximately 10.5\u201312.5% p.a. at top-tier lenders for salaried Tier 1\/2 employer profiles.<\/li>\n\n\n\n<li>720\u2013749: Rates of 12\u201315% p.a. at banks; 12\u201316% at NBFCs. Pre-approved offers may be at the lower end.<\/li>\n\n\n\n<li>700\u2013719: Rates of 14\u201318% p.a. at banks if approved; NBFC rates of 13\u201320% p.a., depending on income and employer.<\/li>\n\n\n\n<li class=\"has-text-dark-color has-text-color has-link-color wp-elements-7d0276fdcfd30a476b67a0d5c332636a\">680\u2013699: Banks will<a href=\"https:\/\/www.taptaploans.in\/blog\/personal-loan-application-rejected\/\"> <\/a><strong><a href=\"https:\/\/www.taptaploans.in\/blog\/personal-loan-application-rejected\/\">decline most applications<\/a>. <\/strong>NBFCs offer 18\u201326% p.a. at this range.<\/li>\n\n\n\n<li class=\"has-text-dark-color has-text-color has-link-color wp-elements-a3b7c5b838e490b22507acdbfba3b2b4\"><a href=\"https:\/\/www.taptaploans.in\/blog\/loan-without-cibil-score-india\/\"><strong>Below 680<\/strong><\/a>: Limited to specific NBFCs and microfinance institutions at 22\u201330% p.a. unsecured; secured options available at lower rates.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Fixed vs. Reducing Balance Interest: The Hidden Cost Difference<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Most personal loans in India use reducing balance (diminishing balance) interest calculation \u2014 interest is calculated on the outstanding principal at each EMI, not on the original loan amount. This is the standard and fair method.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, some consumer finance products (especially at electronics and furniture stores) quote a &#8216;flat interest rate&#8217; \u2014 calculated on the original principal throughout the tenure. A flat rate of 10% is equivalent to approximately 18% on a reducing balance basis. If you are <a href=\"https:\/\/www.taptaploans.in\/blog\/personal-loan-vs-credit-card\/\"><strong>comparing EMI offers,<\/strong><\/a> confirm which method is being used before making a decision.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How to Get the Lowest Rate Your Profile Qualifies For<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Three steps before any application:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Know your exact CIBIL score. Do not rely on estimates. Pull your full credit report and verify the number.<\/li>\n\n\n\n<li class=\"has-text-dark-color has-text-color has-link-color wp-elements-b1dd0ccdd1657b1877a1fca2cdc318fd\"><a href=\"https:\/\/www.taptaploans.in\/blog\/foir-personal-loan-india\/\"><strong>Calculate your FOIR.<\/strong><\/a> Total existing EMIs divided by net monthly income. If above 50%, focus on reducing this before applying.<\/li>\n\n\n\n<li class=\"has-text-dark-color has-text-color has-link-color wp-elements-455055edaa3577adcc338e5a0633f5b0\">Apply through TapTap Loans. Rather than submitting<a href=\"https:\/\/www.taptaploans.in\/blog\/personal-loan-application-rejected\/\"> <strong>multiple applications<\/strong><\/a> to identify the best rate \u2014 each of which triggers a hard enquiry \u2014 <a href=\"https:\/\/www.taptaploans.in\/blog\/loan-advisory-platform\/\"><strong>TapTap&#8217;s soft assessment <\/strong><\/a>matches your profile to the lender most likely to offer the lowest rate. One application, the right lender, and the best rate your profile qualifies for.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Key Takeaways<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Personal loan rates in India range from 9.99% to 39% p.a. in 2026. The applicable rate depends entirely on your CIBIL score, employer category, and income.<\/li>\n\n\n\n<li>Pre-approved offers from your existing bank are almost always cheaper than fresh applications to the same bank.<\/li>\n\n\n\n<li>The difference between a 700 and a 750 CIBIL score can mean 3\u20134% per annum, tens of thousands of rupees over a 5-year loan.<\/li>\n\n\n\n<li>Always compare on a reducing balance basis. Flat-rate products are significantly more expensive than they appear.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Frequently Asked Questions<\/strong><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1778652510678\"><strong class=\"schema-faq-question\"><strong>Can I negotiate the interest rate on a personal loan?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, particularly if you are an existing customer or have a pre-approved offer from the lender. Banks have internal pricing discretion within a range. Presenting a competitive offer from another lender is the most effective negotiating tool.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1778652537121\"><strong class=\"schema-faq-question\"><strong>Is the EMI on a personal loan fixed throughout the tenure?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes. Personal loans are typically structured as fixed EMI products on a reducing balance basis. Your EMI amount does not change during the loan tenure (unless you make a prepayment and request a revised schedule).<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1778652554275\"><strong class=\"schema-faq-question\"><strong>Why is the interest rate I was offered higher than the advertised rate?<\/strong><\/strong> <p class=\"schema-faq-answer\">Advertised rates are floor rates available to the best-possible profile \u2014 typically a 780+ CIBIL score borrower at a Tier 1 employer with no existing EMIs. Your offered rate reflects your specific risk assessment. If it is significantly above the floor rate, consider improving your CIBIL score or applying to a different lender more suited to your profile.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1778652572322\"><strong class=\"schema-faq-question\">What is the lowest personal loan interest rate in India?<br><\/strong> <p class=\"schema-faq-answer\">Top banks and NBFCs offer starting personal loan interest rates from around 9.99% p.a. for highly qualified borrowers.<br><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1778652573120\"><strong class=\"schema-faq-question\">Which lenders offer the best personal loan interest rates?<br><\/strong> <p class=\"schema-faq-answer\">IDFC FIRST Bank, HDFC Bank, SBI, Axis Bank and select NBFCs offer competitive personal loan rates depending on the borrower profile.<br><\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The personal loan interest rate you receive is the output of a risk model, not a take-it-or-leave-it product price. Knowing what drives that model \u2014 and positioning your application to present the strongest possible version of your profile \u2014 is the practical way to minimise borrowing costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">TapTap Loans runs this matching process before any application is submitted, ensuring that your profile goes to the lender whose model will produce the best rate. That translates directly to<strong> <a href=\"https:\/\/www.taptaploans.in\/blog\/emi-too-high-what-to-do-india-2\/\">lower EMIs<\/a><\/strong><a href=\"https:\/\/www.taptaploans.in\/blog\/emi-too-high-what-to-do-india-2\/\"> <\/a>and less total interest paid over your loan tenure.<\/p>\n\n\n<div class=\"yoast-breadcrumbs\"><span><span><a href=\"https:\/\/www.taptaploans.in\/blog\/\">Home<\/a><\/span> \u00bb <span class=\"breadcrumb_last\" aria-current=\"page\">Personal Loan Interest Rates India<\/span><\/span><\/div>","protected":false},"excerpt":{"rendered":"<p>Personal loan interest rates in India in 2026 start at 9.99% per annum \u2014 but that number applies to a specific borrower profile that perhaps 10\u201315% of applicants qualify for. The rate on your actual application will depend on five variables that banks use to calculate your individual risk price. Understanding these variables determines whether&hellip;<\/p>\n","protected":false},"author":2,"featured_media":639,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[22,111,109,110,108,107],"class_list":["post-562","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-of-the-week","tag-bank-loan-interest-rates","tag-emi-rates","tag-lowest-personal-loan-interest-rate","tag-nbfc-personal-loan-rates","tag-personal-loan-interest-rates-india","tag-personal-loan-rates"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Personal Loan Interest Rates India: Best Rates in 2026<\/title>\n<meta name=\"description\" content=\"Compare personal loan interest rates in India for 2026. Learn how CIBIL score, income and lenders affect your actual borrowing rate.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.taptaploans.in\/blog\/personal-loan-interest-rates-india\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Personal Loan Interest Rates India: Best Loan Rates in 2026\" \/>\n<meta property=\"og:description\" content=\"Compare personal loan interest rates in India across banks and NBFCs. Learn how CIBIL score, income and EMIs affect your actual loan rate in 2026.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.taptaploans.in\/blog\/personal-loan-interest-rates-india\" \/>\n<meta property=\"og:site_name\" content=\"TapTap Loans\" \/>\n<meta property=\"article:published_time\" content=\"2026-05-25T07:31:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-28T08:40:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.taptaploans.in\/blog\/wp-content\/uploads\/2026\/05\/Blog-Banner-Images-Main-31.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Shivam Jadon\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@taptaploans\" \/>\n<meta name=\"twitter:site\" content=\"@taptaploans\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Shivam Jadon\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.taptaploans.in\\\/blog\\\/personal-loan-interest-rates-india#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.taptaploans.in\\\/blog\\\/personal-loan-interest-rates-india\\\/\"},\"author\":{\"name\":\"Shivam Jadon\",\"@id\":\"https:\\\/\\\/www.taptaploans.in\\\/blog\\\/#\\\/schema\\\/person\\\/23d2a7b5ee9f1ea2730e4483c8c6669c\"},\"headline\":\"Personal Loan Interest Rates in India Explained for 2026\",\"datePublished\":\"2026-05-25T07:31:00+00:00\",\"dateModified\":\"2026-05-28T08:40:05+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.taptaploans.in\\\/blog\\\/personal-loan-interest-rates-india\\\/\"},\"wordCount\":1315,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.taptaploans.in\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.taptaploans.in\\\/blog\\\/personal-loan-interest-rates-india#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.taptaploans.in\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/Blog-Banner-Images-Main-31.png\",\"keywords\":[\"bank loan interest rates\",\"EMI rates\",\"lowest personal loan interest rate\",\"NBFC personal loan rates\",\"personal loan interest rates India\",\"personal loan rates\"],\"articleSection\":[\"Blog Of The Week\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.taptaploans.in\\\/blog\\\/personal-loan-interest-rates-india#respond\"]}]},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/www.taptaploans.in\\\/blog\\\/personal-loan-interest-rates-india\\\/\",\"url\":\"https:\\\/\\\/www.taptaploans.in\\\/blog\\\/personal-loan-interest-rates-india\",\"name\":\"Personal Loan Interest Rates India: Best Rates in 2026\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.taptaploans.in\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.taptaploans.in\\\/blog\\\/personal-loan-interest-rates-india#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.taptaploans.in\\\/blog\\\/personal-loan-interest-rates-india#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.taptaploans.in\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/Blog-Banner-Images-Main-31.png\",\"datePublished\":\"2026-05-25T07:31:00+00:00\",\"dateModified\":\"2026-05-28T08:40:05+00:00\",\"description\":\"Compare personal loan interest rates in India for 2026. 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Banks have internal pricing discretion within a range. Presenting a competitive offer from another lender is the most effective negotiating tool.","inLanguage":"en-GB"},"inLanguage":"en-GB"},{"@type":"Question","@id":"https:\/\/www.taptaploans.in\/blog\/personal-loan-interest-rates-india#faq-question-1778652537121","position":2,"url":"https:\/\/www.taptaploans.in\/blog\/personal-loan-interest-rates-india#faq-question-1778652537121","name":"Is the EMI on a personal loan fixed throughout the tenure?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. Personal loans are typically structured as fixed EMI products on a reducing balance basis. Your EMI amount does not change during the loan tenure (unless you make a prepayment and request a revised schedule).","inLanguage":"en-GB"},"inLanguage":"en-GB"},{"@type":"Question","@id":"https:\/\/www.taptaploans.in\/blog\/personal-loan-interest-rates-india#faq-question-1778652554275","position":3,"url":"https:\/\/www.taptaploans.in\/blog\/personal-loan-interest-rates-india#faq-question-1778652554275","name":"Why is the interest rate I was offered higher than the advertised rate?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Advertised rates are floor rates available to the best-possible profile \u2014 typically a 780+ CIBIL score borrower at a Tier 1 employer with no existing EMIs. Your offered rate reflects your specific risk assessment. If it is significantly above the floor rate, consider improving your CIBIL score or applying to a different lender more suited to your profile.","inLanguage":"en-GB"},"inLanguage":"en-GB"},{"@type":"Question","@id":"https:\/\/www.taptaploans.in\/blog\/personal-loan-interest-rates-india#faq-question-1778652572322","position":4,"url":"https:\/\/www.taptaploans.in\/blog\/personal-loan-interest-rates-india#faq-question-1778652572322","name":"What is the lowest personal loan interest rate in India?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Top banks and NBFCs offer starting personal loan interest rates from around 9.99% p.a. for highly qualified borrowers.<br>","inLanguage":"en-GB"},"inLanguage":"en-GB"},{"@type":"Question","@id":"https:\/\/www.taptaploans.in\/blog\/personal-loan-interest-rates-india#faq-question-1778652573120","position":5,"url":"https:\/\/www.taptaploans.in\/blog\/personal-loan-interest-rates-india#faq-question-1778652573120","name":"Which lenders offer the best personal loan interest rates?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"IDFC FIRST Bank, HDFC Bank, SBI, Axis Bank and select NBFCs offer competitive personal loan rates depending on the borrower profile.<br>","inLanguage":"en-GB"},"inLanguage":"en-GB"}]}},"_links":{"self":[{"href":"https:\/\/www.taptaploans.in\/blog\/wp-json\/wp\/v2\/posts\/562","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.taptaploans.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.taptaploans.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.taptaploans.in\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.taptaploans.in\/blog\/wp-json\/wp\/v2\/comments?post=562"}],"version-history":[{"count":7,"href":"https:\/\/www.taptaploans.in\/blog\/wp-json\/wp\/v2\/posts\/562\/revisions"}],"predecessor-version":[{"id":747,"href":"https:\/\/www.taptaploans.in\/blog\/wp-json\/wp\/v2\/posts\/562\/revisions\/747"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.taptaploans.in\/blog\/wp-json\/wp\/v2\/media\/639"}],"wp:attachment":[{"href":"https:\/\/www.taptaploans.in\/blog\/wp-json\/wp\/v2\/media?parent=562"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.taptaploans.in\/blog\/wp-json\/wp\/v2\/categories?post=562"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.taptaploans.in\/blog\/wp-json\/wp\/v2\/tags?post=562"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}