New Delhi, April 4 -- Personal loans have become a popular tool for individuals in India to manage financial challenges such as medical issues, home renovation, travelling expenses, etc. However, securing the best interest rates is crucial to maximise savings.

Let us discuss some basic fundamentals to help you secure the best possible personal loan interest rates in 2025.

As of April 2025, personal loan interest rates in India hover in the range of approximately 9.75% to 20.35%. This is largely influenced by the borrower's credit profile, credit score and repayment history.

For example, India Bank offers rates beginning at 9.75%, whereas IndusInd Bank provides interest rates beginning at 10.49%. Major private sector banks such as HDFC ...