Ranked by real, individually-verified interest rate — a deliberate mix of major banks and fast digital NBFCs, not the bulk-imported data this app used to show for personal loans.
The Top 10
Banks and NBFCs, on the same scale
This app's personal loan data was previously bulk-imported and never individually checked. Every lender here was freshly researched and confirmed as currently open for applications — a mix of major banks (more transparent pricing, usually slower) and digital-first NBFCs (faster disbursal, usually pricier at the top end of their range).
A "+" after a rate means that lender only discloses a floor rate with no published ceiling. Personal loan rate ceilings vary far more than home loans — some lenders here go up to 25-30% for weaker credit profiles, which is normal for this category, not a red flag.
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