Personal Loan Kya Hota Hai? 2026 Me Interest Rate, Eligibility, EMI – Complete Guide

Personal Loan Kya Hota Hai? Kaise Milega, Interest Rate, EMI aur Best Bank 2026 – Puri Jankari

Personal loan kya hota hai? Eligibility, documents, EMI calculation, approval process aur 2026 me SBI, HDFC, ICICI jaise banks ke personal loan interest rate comparison ke sath complete guide.

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Personal Loan Kya Hota Hai?

Personal loan ek unsecured loan hota hai, matlab is loan ke liye aapko kisi bhi tarah ka collateral (ghar, zameen, gold) rakhne ki zarurat nahi hoti. Bank ya NBFC aapki income, job stability aur CIBIL score ke base par personal loan approve karti hai.

Personal loan ka use aap:

• Medical emergency
• Shaadi ke kharche
• Education fees
• Travel / vacation
• Business ya personal needs
  ke liye kar sakte ho.

Isliye jab bhi sawal aata hai personal loan kya hota hai, to simple jawab hai – bina guarantee ka loan jo turant mil jata hai.

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Personal Loan Lene Ke Fayde

• Bina collateral loan
• Fast approval (kabhi-kabhi same day)
• Kisi bhi purpose ke liye use
• Flexible tenure (1–5 saal)
• Paperwork kam

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Personal Loan Ke Types

🔹 Salaried Personal Loan

Private ya government job karne walon ke liye.

🔹 Self-Employed Personal Loan

Business owners, shopkeepers, freelancers ke liye.

🔹 Instant Personal Loan

Digital app ya pre-approved offer ke through.

🔹 Pre-Approved Personal Loan

Existing bank customers ke liye.

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Personal Loan Ke Liye Eligibility Criteria

Agar aap soch rahe ho personal loan kya hota hai aur kaise milega, to eligibility samajhna zaroori hai:

• Age: 21–60 saal
• Minimum salary: ₹15,000–₹25,000 per month
• Job experience: 6 mahine–2 saal
• CIBIL Score: 700+ best maana jata hai

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Personal Loan Ke Liye Required Documents

• PAN Card
• Aadhaar Card / Voter ID
• Address proof
• Last 3–6 months salary slip / ITR
• 6 months bank statement

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Personal Loan Interest Rate Kya Hota Hai?

Interest rate wo charge hai jo bank aapse loan amount par leti hai.

Personal loan me interest rate:

• Home loan se zyada hota hai
• Credit card se kam hota hai

Interest rate depend karta hai:

• CIBIL score
• Income
• Employer profile
• Loan amount & tenure

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2026 Me Personal Loan Interest Rate Comparison Table

Bank / NBFC	Interest Rate (Approx)	Loan Amount	Tenure
SBI Personal Loan	10.30% – 14.50%	₹50k – ₹20L	Up to 6 yrs
HDFC Bank	10.50% – 21.00%	₹50k – ₹40L	Up to 5 yrs
ICICI Bank	10.75% – 19.00%	₹50k – ₹50L	Up to 6 yrs
Axis Bank	11.00% – 22.00%	₹50k – ₹40L	Up to 5 yrs
Kotak Mahindra	10.99% – 19.99%	₹50k – ₹35L	Up to 5 yrs
Bajaj Finserv	11.00% – 24.00%	₹50k – ₹40L	Up to 5 yrs

Interest rate applicant profile ke hisaab se change ho sakta hai.

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Government Bank vs Private Bank Personal Loan

Government Bank

• Interest rate thoda kam
• Approval time zyada

Private Bank / NBFC

• Fast approval
• Interest rate thoda zyada

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Personal Loan Amount Kitna Milta Hai?

• Minimum: ₹10,000 – ₹50,000
• Maximum: Salary ka 10–20 guna

Example:
₹30,000 salary → ₹3–6 lakh loan possible

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Personal Loan EMI Kaise Calculate Kare?

EMI depend karti hai:

• Loan amount
• Interest rate
• Tenure

Example:
₹5 lakh loan, 3 saal, 12% interest ≈ EMI ₹16,600

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CIBIL Score Ka Personal Loan Par Effect

• 750+ = low interest rate
• 650–700 = loan milega par rate high
• 650 se kam = rejection chances high

CIBIL Score Check

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Personal Loan Apply Kaise Kare? (Step-by-Step)

1. Bank compare kare
2. Eligibility check kare
3. Online / branch me apply kare
4. Documents verify
5. Loan approval & disbursal

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Personal Loan Approval Me Kitna Time Lagta Hai?

• Pre-approved loan: same day
• Normal case: 2–5 working days

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Personal Loan Charges & Hidden Fees

• Processing fees: 1%–3%
• Prepayment charges
• Late payment penalty

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Personal Loan Rejection Ke Common Reasons

• Low income
• Poor CIBIL score
• Zyada existing EMI

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Personal Loan Jaldi Approval Ke Tips

• Salary account wali bank se apply kare
• Co-applicant add kare
• Loan amount limited rakhe

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Personal Loan vs Credit Card Loan

Point	Personal Loan	Credit Card Loan
Interest	Kam	Zyada
Tenure	1–5 saal	Short term
Amount	Zyada	Limited

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Personal Loan Balance Transfer Kya Hai?

Mehenga loan saste interest wali bank me shift karna balance transfer kehlata hai.

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FAQs – Personal Loan Kya Hota Hai

Q. Bina CIBIL personal loan milega?
Rare cases me NBFC se mil sakta hai.

Q. Minimum salary kitni honi chahiye?
₹15,000 per month.

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Conclusion

Ab aap clearly samajh gaye honge personal loan kya hota hai, kaise milta hai aur kaunsi bank best hai. Agar aapka CIBIL score achha hai aur income stable hai to aap easily low interest rate par personal loan le sakte ho.

Top 20 Best Instant Personal Loan App in India 2026