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APR from
6.85%

Punjab National Bank

PNB Saraswati Education Loan

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.

6.85%
11.6%
₹100k–₹5M 12–180 months ⚡ 7-14 business days

PNB's Saraswati scheme offers some of the lowest education loan rates in India at 6.85% p.a. for premier institutes. The 0.50% concession for female students and nil processing fees are genuine advantages. However, the scheme is heavily focused on merit-based admissions and may not suit students at non-premier institutions.

⚡ 7-14 business days Check rates →
APR from
10.25%

Kotak Mahindra Bank

Kotak Mahindra Bank Personal Loan

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

10.25%
24.0%
₹50k–₹4M 12–60 months ⚡ Same day

The Kotak Mahindra Bank Personal Loan offers a convenient, fully digital application process with competitive interest rates, making it an attractive option for borrowers with good credit.

⚡ Same day Check rates →
APR from
10.5%

HDFC Bank

HDFC Bank Education Loan

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

10.5%
13.5%
₹100k–₹5M 12–180 months ⚡ 3-5 business days

HDFC Bank charges a premium on interest rates compared to PSU banks, but makes up for it with significantly faster processing and a smoother application experience. The unsecured limit of up to ₹50 lakh at select premier institutes is exceptionally generous.

⚡ 3-5 business days Check rates →
APR from
8.4%

ICICI Bank

ICICI Bank Car Loan

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

8.4%
11.5%
₹100k 12–84 months

ICICI Bank's car loans provide a flexible financing option for buyers looking for competitive rates and quick approval.

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APR from
10.25%

ICICI Bank

ICICI Bank Personal Loan

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

10.25%
19.0%
₹50k–₹5M 12–60 months ⚡ Same day

ICICI Bank offers a streamlined personal loan process with competitive rates, making it a solid choice for borrowers with high credit scores.

⚡ Same day Check rates →
APR from
7.25%

Canara Bank

Canara Bank Vidya Turant Education Loan

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

7.25%
10.1%
₹100k 12–180 months ⚡ 5-10 business days

Canara Bank's Vidya Turant is a standout PSU education loan — the 7.35% starting rate is competitive, and the ₹1 crore limit under the master's degree scheme matches the best in the industry. The scheme categorisation by institution type gives genuine rate advantages to premier institute students.

⚡ 5-10 business days Check rates →
APR from
9.8%

State Bank of India

SBI Two Wheeler Loan

Budget-conscious buyers who want the lowest possible interest rate.

9.8%
14.65%
₹20k–₹300k

Lowest rates from Indias largest public sector bank.

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APR from
9.0%

Poonawalla Fincorp

Poonawalla Fincorp Personal Loan

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

9.0%
22.0%
₹50k–₹2.5M 12–60 months ⚡ 10 minutes

Poonawalla Fincorp offers a reliable personal loan solution with competitive rates and a quick online application process.

⚡ 10 minutes Check rates →
APR from
6.9%

Axis Bank

Axis Bank Education Loan

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

6.9%
13.5%
₹50k–₹7.5M 12–180 months ⚡ 5-7 business days

Axis Bank straddles the line between PSU affordability and private bank speed. The rate range is wide (6.90%-13.50%), meaning premier-institute students get near-PSU rates while others may face steep costs. Good for study-abroad financing with higher loan limits.

⚡ 5-7 business days Check rates →
APR from
9.99%

HDFC Bank

HDFC Bank Personal Loan

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

9.99%
21.0%
₹50k–₹5M 12–60 months ⚡ Same day

HDFC Bank offers competitive personal loans with quick disbursal options, making it appealing for urgent financial needs.

⚡ Same day Check rates →
APR from
6.85%

Bank of Baroda

Bank of Baroda Baroda Gyan Education Loan

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.

6.85%
11.25%
₹100k 12–180 months ⚡ 7-10 business days

Bank of Baroda matches SBI on rates (sometimes even beats it at 6.85%) and offers one of the highest loan limits among PSU banks at ₹1 crore. The multiple scheme options (Vidya, Gyan, Scholar) give genuine flexibility, though navigating which scheme you qualify for can be confusing.

⚡ 7-10 business days Check rates →
APR from
10.0%

State Bank of India (SBI)

SBI Personal Loan - Low Rates from India's Largest Bank

This loan is best for individuals seeking flexible financing options with a reliable institution.

10.0%
15.65%
₹50k–₹2M 12–72 months ⚡ 1-2 business days

SBI Personal Loan offers competitive interest rates, making it a solid choice for borrowers with high credit scores.

⚡ 1-2 business days Check rates →
APR from
6.9%

State Bank of India

SBI Student Loan Scheme

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

6.9%
9.9%
₹100k–₹5M 12–180 months ⚡ 15 business days

SBI's Student Loan Scheme is one of the most affordable education loan options in India thanks to PSU bank rates. The no-collateral limit of ₹7.5 lakh makes it accessible for domestic studies, and the 0.50% concession for female students is a genuine saving. Processing is slower than private banks, but the rate advantage is hard to beat.

⚡ 15 business days Check rates →
APR from
8.9%

State Bank of India

SBI New Car Loan

Individuals with a stable income above ₹3 lakh annually who want to finance a new vehicle purchase.

8.9%
9.85%
₹100k 12–84 months ⚡ Quick disbursement after approval

With competitive fixed rates and a generous loan tenure of up to 84 months, SBI's New Car Loan is appealing for those looking to finance a new vehicle. However, the requirement of a minimum annual income of ₹3 lakh may exclude some potential borrowers.

⚡ Quick disbursement after approval Check rates →
APR from
10.5%

Tata Capital

Tata Capital Personal Loan

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

10.5%
24.0%
₹75k–₹3.5M 12–72 months ⚡ Same day

Tata Capital provides a strong offering with quick approvals and a wide loan amount range. However, borrowers should be cautious of the higher interest rates that can reach up to 24% p.a.

⚡ Same day Check rates →
APR from
8.5%

ICICI Bank

ICICI Bank Education Loan

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

8.5%
13.0%
₹100k 12–144 months ⚡ 3-7 business days

ICICI Bank's standout feature is the massive ₹3 crore loan limit — the highest among major Indian banks — and the generous ₹20 lakh no-margin threshold. Rates are mid-range for a private bank, and the flexible repayment structures (PSI/SI/EMI) genuinely help students manage cash flow during the moratorium period.

⚡ 3-7 business days Check rates →