Equitas Bank Personal Loan

Equitas Small Finance Bank offers personal loan at an interest rates starting from 10.49% p.a. for loan amount of Rs....

Equitas Small Finance Bank offers personal loan at an interest rates starting from 10.49% p.a. for loan amount of Rs. 2 lakh onwards. The loan repayment tenure is offered by the bank is up to 5 years.

Highest Approval Chances

Hassle-Free Digital Application Process

End-to-End Expert Assistance

Minimal Documentation Needed

Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Get Cashback of ₹ 1,000^* on Loan Disbursal

Valid till 31^st March '26 *T&C Apply

Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

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Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Highest Approval Chances

Hassle-Free Digital Application Process

End-to-End Expert Assistance

Minimal Documentation Needed

Calculate Your Personal Loan EMI

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Enter Loan Amount

₹

50K50L

Rate of Interest (Yearly %)

8%30%

Loan Tenure

1Y 10Y

Your Monthly EMI Payment

₹0

Principal Amount₹0

Interest Amount₹0

Total Amount₹0

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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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About Equitas Small Finance Bank Personal Loan

Equitas Bank Personal Loan Highlights

Equitas Personal Loan Interest Rate

Fees & Charges of Equitas Personal Loan

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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

About Equitas Small Finance Bank Personal Loan

Consumers can avail Equitas Small Finance Bank personal loans on competitive interest rates to meet personal different financial needs.
With the Paisabazaar platform applicants can experience a seamless digital loan process and end-to-end expert assistance.
The consumer’s loan approval is based on his/her repayment capacity and creditworthiness.
Equitas Small Finance Bank personal loans are disbursed quickly and require minimal documentation.
These personal loans can be repaid over a flexible tenure and need no collateral or security.

Equitas Bank Personal Loan Highlights

Interest rate	10.49% p.a.to 15% p.a.
Loan amount	Rs. 2 lakh onwards
Repayment tenure	From 12 months to 5 years
Processing fee	Up to 3% of the loan amount plus applicable charges

Equitas Personal Loan Interest Rate

The interest rates of Equitas Bank Microfinance loans range between 10.49% to 15% p.a. While Equitas Small Finance Bank has not disclosed the interest rates for its MSME loan, it has mentioned that the interest rates for MSME loans are linked to FBIL 3-month Treasury Bill rate.

Also read: What are the personal loan interest rates offered by top banks/NBFCs?

Fees & Charges of Equitas Personal Loan

Processing Fee for Personal Loan

Processing Fee

Up to 3% of the sanctioned loan amount + applicable taxes

Fees & Charges for Equitas Personal Loan

Nature of Charge/Fee	Actual Charges (Excluding GST)
Penal Charges	Up to 3% per month for the delayed days on the EMI overdue from EMI due date till its payment date
Part-prepayment Charges	2% on the repayment amount (After 6 months)
Fore-closure Charges	2% on the principal outstanding on the date of closure (After 12 months of disbursement)
EMI Return(Cheque/NACH/ES) Charges	Rs. 500 per instance
Credit Shield	As applicable

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All Your Needs

Eligibility Criteria for Equitas Bank Personal Loan

The below mentioned is the eligibility criteria as defined by the Equitas Bank for the personal loan:

Applicant should be a resident customer
Age: 23 years to 55 years at time of availing the loan
Salaried individual with minimum net take home salary of Rs. 40000 or above
Bureau Score should be 728 or above

Equitas Bank Personal Loan Documents

Find below the basic personal loan documents required by Equitas Small Finance Bank for personal loan:

Valid Aadhaar
PAN Card
Latest 6 month bank statement where salary is being credited

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

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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.

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

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.

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.

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.

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.

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.

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

Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

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.

Abhishek ThakuraJan 14, 2026

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Written By

Vandana Punj

Reviewed By

Shamik Ghosh

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