Rate Board.
Indicative ranges by product and lender type, each with the date we last checked it. Rows expire on their own when they go stale — we never show an undated rate.
| Product | Lender type | Rate range | Processing fee | Max tenure | As of |
|---|---|---|---|---|---|
| Car loan | Public sector banks sample | 8.70 – 10.50 % | Flat fee | 7 yrs | 19 Sep 2026 |
| Car loan | Private banks sample | 8.75 – 11.50 % | Flat fee | 7 yrs | 19 Sep 2026 |
| Car loan | Small finance banks sample | 11.00 – 16.00 % | 1.00–2.00 % | 5 yrs | 19 Sep 2026 |
| Business loan | Private banks sample | 12.00 – 18.00 % | 1.00–2.00 % | 5 yrs | 19 Sep 2026 |
| Business loan | NBFCs sample | 14.00 – 22.00 % | 1.50–3.00 % | 5 yrs | 19 Sep 2026 |
| Business loan | Small finance banks sample | 15.00 – 24.00 % | 2.00–3.00 % | 4 yrs | 19 Sep 2026 |
| Business loan | Fintech lenders sample | 16.00 – 28.00 % | 2.00–4.00 % | 3 yrs | 19 Sep 2026 |
| Credit card | Public sector banks sample | 30.00 – 42.00 % | Card fee varies | — | 19 Sep 2026 |
| Credit card | Private banks sample | 36.00 – 45.00 % | Card fee varies | — | 19 Sep 2026 |
| Credit card | Fintech lenders sample | 36.00 – 46.00 % | Card fee varies | — | 19 Sep 2026 |
| Education loan | Public sector banks sample | 8.50 – 11.00 % | Nil–0.50 % | 15 yrs | 19 Sep 2026 |
| Education loan | Private banks sample | 9.50 – 13.50 % | Up to 1.00 % | 15 yrs | 19 Sep 2026 |
| Education loan | NBFCs sample | 10.50 – 14.50 % | 1.00–2.00 % | 12 yrs | 19 Sep 2026 |
| Education loan | Fintech lenders sample | 11.00 – 16.00 % | 1.00–2.00 % | 10 yrs | 19 Sep 2026 |
| Education loan | Small finance banks sample | 11.50 – 15.50 % | 1.00 % | 10 yrs | 19 Sep 2026 |
| Gold loan | Public sector banks sample | 8.75 – 11.00 % | Nominal | 1 yrs | 19 Sep 2026 |
| Gold loan | Private banks sample | 9.00 – 17.00 % | 0.25–1.00 % | 1 yrs | 19 Sep 2026 |
| Gold loan | Small finance banks sample | 10.00 – 20.00 % | 0.50–1.00 % | 1 yrs | 19 Sep 2026 |
| Gold loan | NBFCs sample | 11.00 – 24.00 % | 0.50–1.00 % | 1 yrs | 19 Sep 2026 |
| Home loan | Public sector banks sample | 8.30 – 9.40 % | Up to 0.35 % | 30 yrs | 19 Sep 2026 |
| Home loan | Private banks sample | 8.40 – 9.60 % | 0.25–0.50 % | 30 yrs | 19 Sep 2026 |
| Home loan | Private banks | 8.40 – 9.60 % | 0.25-0.50% | 30 yrs | 19 Sep 2026 |
| Home loan | Housing finance sample | 8.60 – 10.25 % | 0.50–1.00 % | 30 yrs | 19 Sep 2026 |
| Home loan | NBFCs sample | 9.00 – 11.50 % | 0.50–1.00 % | 25 yrs | 19 Sep 2026 |
| Home loan | Small finance banks sample | 9.50 – 12.50 % | 1.00–1.50 % | 20 yrs | 19 Sep 2026 |
| Loan against property | Private banks sample | 9.25 – 11.50 % | 0.50–1.00 % | 15 yrs | 19 Sep 2026 |
| Loan against property | Public sector banks sample | 9.25 – 11.00 % | 0.35–1.00 % | 15 yrs | 19 Sep 2026 |
| Loan against property | Housing finance sample | 9.75 – 12.50 % | 1.00 % | 15 yrs | 19 Sep 2026 |
| Loan against property | NBFCs sample | 10.50 – 14.00 % | 1.00–2.00 % | 15 yrs | 19 Sep 2026 |
| Loan against property | Small finance banks sample | 11.50 – 16.00 % | 1.00–2.00 % | 12 yrs | 19 Sep 2026 |
| Personal loan | Public sector banks sample | 10.25 – 14.50 % | Up to 1.00 % | 6 yrs | 19 Sep 2026 |
| Personal loan | Private banks sample | 10.50 – 16.00 % | 1.00–2.50 % | 6 yrs | 19 Sep 2026 |
| Personal loan | NBFCs sample | 12.00 – 24.00 % | 2.00–3.00 % | 5 yrs | 19 Sep 2026 |
| Personal loan | Small finance banks sample | 13.00 – 22.00 % | 2.00–3.00 % | 5 yrs | 19 Sep 2026 |
| Personal loan | Fintech lenders sample | 14.00 – 30.00 % | 2.00–4.00 % | 4 yrs | 19 Sep 2026 |
Rows marked "sample" are placeholder figures for review, not live rates. The rate you are offered depends on your profile and the lender's decision.See which lenders fit you →
How we collect rates
From lenders' published rate cards and our partner channel. Each row records the source and the date it was checked.
Why a range
Lenders price each borrower on score, income, employment and the loan itself. The low end usually needs a strong profile.
What else to compare
Processing fees, prepayment terms and insurance add-ons can matter as much as the headline rate. Ask for the full cost.