Download AppWin Assured Cashback
Paisabazaar Logo - Compare loans and credit cards

NRI Personal Loan

icon
Get Cashback of 1,000* on Loan Disbursal
Valid till 31st July '26 *T&C Apply
Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

4.5/5

15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
Icon image of Wide Choice

Wide Choice

Curated offers from 30+ lenders

Icon image of Quick Disbursal

Quick Disbursal

Money in your account instantly

Icon image of SmartMatch

SmartMatch

Offers ranked according to eligibility

Icon image of Digital Process

Digital Process

Hassle-free & paperless

Find Best Personal Loan Offers

filter-icon

Filters

ICICI BankICICI Bank
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2.5%
Max. Loan Amount₹2 Crore
HDFC BankHDFC Bank
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹4999+GST
Max. Loan Amount₹50 Lakh
Axis BankAxis Bank
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹40 Lakh
Kotak BankKotak Bank
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹12999+GST
Max. Loan Amount₹50 Lakh
Bajaj FinservBajaj Finserv
Processing Time1 - 2 Days
Interest Rate10% onwards
Processing FeesUpto 1.2%
Max. Loan Amount₹75 Lakh
IDFC First BankIDFC First Bank
Processing Time1 - 2 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹1 Crore
CholamandalamCholamandalam
Processing Time3 - 5 Days
Interest Rate17% onwards
Processing FeesUpto 4%
Max. Loan Amount₹50 Lakh

What is an NRI Personal Loan?

NRI personal loans are collateral-free loans offered to NRI individuals to meet their personal requirements. The loan proceeds can be used to meet the personal requirements of individuals, other than speculative purposes. Most lenders require an Indian blood relative or spouse as a co-applicant to the NRI personal loan. Note that, NRIs should mandatorily have an NRO account to avail an NRI personal loan.

Key Highlights of NRI Personal Loan

Interest rates Depending on the credit profile of the applicant
Loan amount Up to Rs. 50 lakh
Loan tenure Up to 5 years
Processing fees Ranging up to 4% of the loan amount

Which Bank is Best for NRI Personal Loan?

There is no specific bank that is best for NRI personal loan. The right choice depends on the interest rate, loan amount and other terms and conditions offered by various lenders. Individuals can compare multiple lenders on the Paisabazaar Loan app and opt for a suitable lender based on their requirements and budget.

NRI Personal Loan Interest Rates

Lenders offer NRI personal loan interest rates depending on the credit profile of the applicants.

The personal loan interest rates usually depend on the credit score, monthly income, job profile, employer’s profile, EMI/NMI ratio, etc.

Some lenders might offer slightly higher interest rates to NRI individuals as compared to Indian residents

Avail Personal Loan for
All Your Needs

Avail Personal Loan Banner

NRI Personal Loan Eligibility Criteria

For Salaried

  • Age of the applicant should be between 21 and 60 years old.
  • The minimum monthly income required to avail an NRI personal loan should be Rs. 25,000.
  • Applicant should have a minimum work experience of 2 years with at least 1 year in the current organization.
  • A co-applicant who is an Indian blood relative or spouse of the primary applicant is mandatory.

For Self-employed

  • Age: Minimum 21 years and maximum 68 years
  • Minimum Total Work Experience: 2 years in the current business
  • Co-applicant is mandatory and must be a close relative of the applicant, such as father, spouse, etc.

Countries Eligible for NRI Personal Loan

NRI applicants from countries including the UAE, Saudi Arabia, Qatar, the USA, Canada, the UK, Ireland, Germany, France, the Netherlands, Singapore, Hong Kong, Australia, New Zealand, South Africa, Malaysia, etc., are eligible for NRI personal loans in India.

Documents Required for NRI Personal Loan

  • Copy of passport and VISA.
  • Official email ID to verify employment status.
  • Salary slips for income proof.
  • NRE/NRO bank statement for the last 6 months.
  • Letter of the National Population Register.

NRI Personal Loan EMI Calculator

A personal loan EMI calculator is a financial tool that helps in estimating the EMIs and the monthly interest cost payable throughout the loan tenure. It allows individuals to assess their loan affordability, thereby enabling them to make informed decisions. NRIs can use Paisabazaar’s personal loan EMI calculator to evaluate their total loan cost even before the loan application.

A personal loan EMI calculator has the following features:

  • The tool is fast and accurate.
  • It is highly accessible.
  • Available online 24*7.
  • Can try combinations of parameters and calculate the affordable loan amount.

Tips to Improve NRI Personal Loan Approval Chances

NRIs can improve their personal loan approval chances in the following ways:

  • Maintain a strong credit profile.
  • Keep a low EMI/NMI ratio.
  • Show stable employment and consistent income.
  • Have an active NRE/NRO account.
  • Keep all the documents ready.
  • Verify the eligible country before the loan application.
  • Consider a co-applicant who is a resident of India.
Why Choose Paisabazaar?
image of Compare & Choose the <strong>Best Offer</strong>

Compare & Choose the Best Offer

image of Pre-approved Offers with <strong>Instant Disbursals</strong>

Pre-approved Offers with Instant Disbursals

image of Know Your <strong>Chances of Approval</strong>

Know Your Chances of Approval

image of End-to-End <strong>Digital Process</strong>

End-to-End Digital Process

Avail Personal Loan for
All Your Needs

Avail Personal Loan Banner
quotes icon

What our customers say

Get My Personal loan disbursed

I would like to give a huge shoutout to Munni Nayak from Paisabazaar for her incredible support in helping me get my personal loan disbursed within just a few days. She was extremely cooperative throughout the entire process and demonstrated great knowledge by explaining every step in detail with patience and clarity. I truly appreciate her dedication, professionalism, and the smooth experience she provided. Thank you so much, Munni, for all your help and support!

icon image of avatar
Preeti BhattMay 16, 2026

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

icon image of avatar
Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

icon image of avatar
Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

icon image of avatar
Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

icon image of avatar
DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

icon image of avatar
BhupendraFeb 18, 2026

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.

icon image of avatar
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

icon image of avatar
Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

icon image of avatar
Riyaj AtarFeb 9, 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.

icon image of avatar
Puja DanuJan 22, 2026
View All Testimonials
Anubhuti Agrawal profile
Written ByLinkedIn icon
Anubhuti Agrawal
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.

The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.

The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.

Address: Paisabazaar Marketing & Consulting Pvt. Ltd. 135 P, Sector 44, Gurugram (HR) 122001

pl-sticky-irfan-icon

Get up to 50 Lakhs starting at 9.98%*

Scroll to top