Unlock Your Dreams with Zero-Commission Personal Loans!

Need funds for a wedding, travel, medical emergency, education, or debt consolidation? A personal loan is one of the most convenient ways to access quick money without pledging collateral.

At Bravima Solution, we simplify your loan journey. Instead of checking multiple banks individually, you can compare ROI (Rate of Interest), fees, and EMI from top NBFCs and Banks in one place — and apply with the best lender for your profile.

We partner with trusted lenders such as HDFC Bank, ICICI Bank, Kotak Mahindra Bank, Axis Bank, Tata Capital, Bajaj Finserv, and Fullerton India to bring you tailor-made loan solutions.

Personal Loan Interest Rates & Charges Comparison – 2025

Here’s a quick comparison of personal loan offers from leading banks and NBFCs in India:

Lender	Interest Rate (ROI)	Processing Fee	Foreclosure Charges	Loan Amount Range	Tenure
HDFC Bank	12.00% – 16.00%	Up to 2.5%	4% after 12 months	₹50,000 – ₹40L	1–6 yrs
ICICI Bank	12.00% – 15.50%	2% – 2.5%	5% after 12 months	₹50,000 – ₹25L	1–6 yrs
Kotak Mahindra Bank	11.25% – 16.00%	Up to 2.5%	5% after 12 months	₹50,000 – ₹25L	1–5 yrs
Axis Bank	11.50% – 15.75%	1.5% – 2%	4% after 12 months	₹50,000 – ₹25L	1–6 yrs
Fullerton India	13.00% – 20.00%	Up to 3%	6% after 6 months	₹50,000 – ₹25L	1–5 yrs
Bajaj Finserv	13.50% – 22.00%	2% – 3%	4% – 6%	₹1L – ₹25L	1–5 yrs
Tata Capital	12.75% – 18.00%	1.5% – 2%	4% after 12 months	₹75,000 – ₹25L	1–6 yrs

💡 Kotak Mahindra Bank stands out for salaried individuals with a lower starting ROI (11.25%), flexible tenure, and fast paperless approval.

EMI Comparison (₹5 Lakh Loan – 5 Years)

Kotak Mahindra Bank – ~₹11,050
HDFC Bank – ~₹11,250
ICICI Bank – ~₹11,200
Axis Bank – ~₹11,100
Tata Capital – ~₹11,350
Fullerton India – ~₹11,500
Bajaj Finserv – ~₹11,650

(Figures are indicative and vary based on profile & lender policies)

Kotak Mahindra Bank Personal Loan – Key Benefits

Lower Interest Rates starting at 11.25%
Paperless process with instant approval for salaried customers
Loan amount up to ₹25 Lakhs
Flexible tenure: 12–60 months
Quick disbursal within 24–48 hours

ROI Comparison: How Personal Loans Create Value

Purpose of Loan	Loan Amount	Avg. Interest (12% p.a.)	ROI / Savings Potential	Net ROI / Savings
Business Expansion	₹10 Lakhs	₹1.2 Lakhs annually	18–25% business growth (₹1.8–2.5 Lakhs)	+6–13% ROI
Higher Education	₹7 Lakhs	~₹80,000 annually	Salary hike of ₹3–5 Lakhs after degree	+30–40% ROI
Debt Consolidation	₹5 Lakhs	₹60,000 annually	Replace 36% credit card debt → saves ₹1.8 Lakhs	+₹1.2 Lakhs savings
Home Renovation	₹4 Lakhs	~₹45,000 annually	Property value appreciation 10–20% (~₹80K)	+9–19% ROI
Medical Emergency	₹3 Lakhs	~₹36,000 annually	Life-saving & stress relief	Priceless ROI

👉 This table highlights that personal loans are not just expenses, but investments when used smartly.

Our Banking Partner

Why Choose Bravima Solution for Your Personal Loan?

When you apply directly with banks or NBFCs, you might:
❌ End up with higher processing fees
❌ Miss out on better ROI offers
❌ Face delays due to multiple follow-ups

At Bravima Solution, we make the difference:

Compare offers from top NBFCs & Banks instantly
Get lowest ROI deals as per your profile
Zero hidden charges – 100% transparency
Faster approvals – many loans disbursed in 24–48 hours
Dedicated loan advisors till your loan is credited

Frequently Asked Questions

Which bank has the lowest personal loan interest rate in India (2025)?
– Currently, Kotak Mahindra Bank offers one of the lowest starting ROIs at 11.25%, depending on your credit score and profile.
Can I foreclose my personal loan early?
– Yes, most lenders allow foreclosure after 12 months with charges ranging from 4% to 6% of the outstanding balance.
How much personal loan can I get on a ₹50,000 salary?
– You can typically get ₹10–15 Lakhs depending on your CIBIL score, employer type, and existing EMIs.
Do NBFCs offer personal loans to low CIBIL score applicants?
– Yes, NBFCs like Fullerton & Bajaj Finserv sometimes offer loans even with lower CIBIL scores but at higher interest rates.