Money Guids

Compare personal loans

Compare rates, funding speed, and repayment ranges in a cleaner side-by-side format before you commit.

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Rate ranges
Decision speed
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Repayment fit
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PNB Saraswati Education Loan

Punjab National Bank

Student
APR 6.85–11.6%
Amount ₹100k–₹5M
Term 12–180 mo
Speed ⚡ 7-14 business days

Best for: Merit-based students admitted to premier Indian institutions (IITs, IIMs, NIFT, NID, IISc) who want rock-bottom PSU rates and don't mind the paperwork.

Personal
APR 10.25–19.0%
Amount ₹50k–₹5M
Term 12–60 mo
Speed ⚡ Same day

Best for: This loan is best for individuals seeking quick funding with a fully digital application process and no collateral requirements.

Student
APR 6.9–13.5%
Amount ₹50k–₹7.5M
Term 12–180 mo
Speed ⚡ 5-7 business days

Best for: Students heading abroad or to premier Indian institutes who want a private bank experience with competitive rates for top-tier admissions.

Personal
APR 10.5–24.0%
Amount ₹75k–₹3.5M
Term 12–72 mo
Speed ⚡ Same day

Best for: Salaried individuals earning over ₹25,000 per month who seek substantial personal loans.

Auto
APR 8.4–11.5%
Amount ₹100k
Term 12–84 mo

Best for: This loan is ideal for both salaried and self-employed individuals looking to finance new or pre-owned vehicles.

APR 6.85–11.25%
Amount ₹100k
Term 12–180 mo
Speed ⚡ 7-10 business days

Best for: Students needing high-value loans for premier Indian or international institutions who want PSU-bank rates with a wider branch network than other PSU alternatives.

Student
APR 8.5–13.0%
Amount ₹100k
Term 12–144 mo
Speed ⚡ 3-7 business days

Best for: Students pursuing expensive international programs (MBA, medicine) who need high loan amounts with flexible repayment structures and quick processing.

Personal
APR 10.25–24.0%
Amount ₹50k–₹4M
Term 12–60 mo
Speed ⚡ Same day

Best for: This loan is best for individuals seeking quick access to funds with flexible repayment options and those who maintain a high credit score.

Auto
APR 8.75–12.5%
Amount ₹100k
Term 12–84 mo

Best for: Salaried individuals or self-employed professionals with a stable income looking to finance a vehicle purchase up to ₹1 crore.

APR 7.25–10.1%
Amount ₹100k
Term 12–180 mo
Speed ⚡ 5-10 business days

Best for: Students pursuing master's degrees at top-ranked global universities or premier Indian institutes who want PSU rates with competitive terms.

Personal
APR 9.99–21.0%
Amount ₹50k–₹5M
Term 12–60 mo
Speed ⚡ Same day

Best for: This loan is best for individuals with a high credit score looking for substantial amounts quickly, especially pre-approved customers.

APR 8.15%
Amount ₹100k–₹2.5M
Term 12–84 mo
Speed ⚡ Loan disbursal in as little as 30 minutes

Best for: It's best for salaried individuals or self-employed persons looking for quick disbursement and a range of loan amounts.

Student
APR 10.5–13.5%
Amount ₹100k–₹5M
Term 12–180 mo
Speed ⚡ 3-5 business days

Best for: Students admitted to premier institutions (IITs, IIMs, top foreign universities) who value fast disbursement and are willing to pay slightly higher rates for convenience.

Personal
APR 10.49–22.0%
Amount ₹50k–₹4M
Term 12–60 mo
Speed ⚡ Same day

Best for: This loan is best for individuals seeking a substantial amount (up to ₹40 lakhs) with a quick and easy online application process.

SBI Student Loan Scheme

State Bank of India

Student
APR 6.9–9.9%
Amount ₹100k–₹5M
Term 12–180 mo
Speed ⚡ 15 business days

Best for: Students pursuing UG/PG degrees at recognised Indian institutions who want the lowest possible interest rate and don't mind longer processing times.

Personal
APR 9.0–22.0%
Amount ₹50k–₹2.5M
Term 12–60 mo
Speed ⚡ 10 minutes

Best for: This loan is ideal for individuals needing fast access to funds for emergencies, weddings, or education without collateral requirements.

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