Choosing the right bank for a personal loan matters. Here is a comparison of rates from top banks in 2026.
Top Banks Personal Loan Rates 2026
- SBI: 10.30% – 15.30% per annum
- HDFC Bank: 10.50% – 21.00% per annum
- ICICI Bank: 10.65% – 16.00% per annum
- Axis Bank: 10.49% – 22.00% per annum
- Kotak Mahindra: 10.99% – 24.00% per annum
- Bank of Baroda: 11.05% – 18.75% per annum
CIBIL Score Matters
A CIBIL score of 750+ gets you the best rates. Below 650 may result in rejection.
Tips
- Maintain 750+ credit score
- Negotiate with your existing bank first
- Compare across banks before applying