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Personal Loan in Bangalore

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Wide Choice

Curated offers from 30+ lenders

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Quick Disbursal

Money in your account instantly

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Offers ranked according to eligibility

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Digital Process

Hassle-free & paperless

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%

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Why Choose Paisabazaar?
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Compare & Choose the Best Offer

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Pre-approved Offers with Instant Disbursals

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Know Your Chances of Approval

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End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

In Bangalore, personal loans are easily accessible through:

  • Digital lending platforms and fintech apps often provide faster approval and disbursal (sometimes within 24 to 48 hours) but usually at higher interest rates.
  • Banks and NBFCs offer both online and branch-based loan services.

Digital platforms are generally preferred for their paperless and hassle-free process, while banks and NBFCs may provide better deals for existing customers or those with strong credit profiles.

Why Choose Paisabazaar?

  • One-stop platform to compare offers from top banks and NBFCs, including HDFC, ICICI, Axis, IndusInd, Tata Capital, etc.
  • Instant eligibility check and personalized loan offers based on credit profile.
  • Free credit score check.
  • Paperless application and digital processing support.
  • Pre-approved loan offers with instant disbursals.

How much loan amount can you get, and at what interest rates

Personal loan amounts in Bangalore usually range from Rs 50,000 to Rs 40 lakh, depending on the lender and your eligibility.

The personal loan interest rates in Bangalore vary widely based on several factors:

  • Applicants with scores of 750+ usually get lower rates as they are viewed as financially disciplined.
  • Applicants having higher monthly incomes can get a loan at lower interest rates, as it reduces default risk for the lenders.
  • Salaried employees, especially those working in government/PSU/MNC, may get preferential interest rates due to their stable income.
  • Lenders may offer lower personal loan rates or pre-approved instant loans to their existing customers.
  • Applicants with frequent job changes have lower chances of approval or may get loan at higher interest rates as they are considered to carry higher credit risk.

What documents are required for Personal loan approval in Bangalore

General personal loan documents

  • PAN card and Aadhaar card
  • Salary slips for the last 3 to 6 months
  • Bank statements for the last 3 to 6 months
  • Employment proof, such as an office ID or an offer letter

Digital Document Processing

Many lenders offer digital KYC (e-KYC) processes for digital personal loans, making documentation entirely paperless.

No documentation for Pre-Approved Loans

In the case of pre-approved personal loans, lenders usually do not require fresh documentation as they already have the necessary KYC documents for their existing customers.

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All Your Needs

How to choose the right lender?

Compare offers from multiple lenders, including banks and NBFCs, to find the best deal. Key factors to compare:

  • Interest rates and processing fees: Compare the total cost, not just the interest rate.
  • Prepayment and foreclosure charges: Check if the lender allows part-payments or foreclosure and at what charges.
  • Loan tenure flexibility: Look for lenders offering flexible repayment terms that suit your repayment capacity.
  • Customer service and after-loan support: This can save you hassle in the long term, especially for balance transfers or prepayments.
  • Digital experience: For ease of online application and hassle-free process.
  • Approval Speed & Disbursal Time: If you need funds urgently, consider lenders with digital processing or instant loan options.

Key Takeaways for Bangalore Borrowers

For someone in Bangalore, a personal loan is easily accessible, but an informed approach can help avoid hidden charges, high-interest rates, and unnecessary hassle.

  • Check your credit score before applying; this affects both approval chances and interest rates.
  • Never fall for instant loan traps from unknown apps.
  • Negotiate where possible, especially if the borrower has an existing relationship with the bank.

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Explore Our Personal Loan Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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FAQs

Most banks and NBFCs require a minimum monthly income of Rs 15,000. The lender may set a higher monthly income criterion for higher loan amounts.

Some lenders offer personal loans to applicants with lower credit scores, but the interest rates may be higher due to higher credit risk.

It is safe if the app is RBI-registered or partnered with an RBI-licensed NBFC/bank. Avoid unknown or unverified apps that could misuse your data.

The speed of loan disbursement depends on the lender, loan type, and applicant’s profile. For pre-approved or instant personal loans, disbursal can be within hours to 1-2 business days. For regular applications, it may take 2 to 7 working days, depending on documentation and credit evaluation.

The interest rates for personal loans usually start at 9.98% p.a., based on your credit profile, income, employer type, and loan tenure.

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What our customers say

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

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20th Jan 2026Jan 20, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

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Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

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Amit ChahalJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

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Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

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Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

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Abhishek ThakuraJan 14, 2026
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