Personal Loan in Delhi — Rates from 10.5%

Compare 100+ lenders for the cheapest personal loan in Delhi, Delhi. Instant approval, online application, disbursal in minutes. Average loan: ₹2,50,000.

Check Eligibility in Delhi — No App Needed

Tier 1 CityPop: 190L85 Pincodes Served7 Lenders

Best Personal Loan Lenders in Delhi

Compare personal loan offers from top banks, NBFCs and fintechs in Delhi. Instant approval and online application available.

HDFC Bank

bank

Rating

4.3/5

India's most trusted private bank for personal loans

Interest Rate

9.99% - 24%

Loan Amount

₹25,000 - ₹40,00,000

Min CIBIL

720+

Disbursal

24 hours

View Details Check Eligibility

State Bank of India

bank

Rating

4.1/5

India's largest bank — trusted by millions

Interest Rate

10% - 15%

Loan Amount

₹1,00,000 - ₹20,00,000

Min CIBIL

650+

Disbursal

3-5 working days

View Details Check Eligibility

ICICI Bank

bank

Rating

4.2/5

Fast digital approvals, competitive rates

Interest Rate

9.99% - 16.5%

Loan Amount

₹50,000 - ₹50,00,000

Min CIBIL

700+

Disbursal

24-48 hours

View Details Check Eligibility

Bajaj Finserv

nbfc

Rating

4/5

India's most popular NBFC — instant approvals

Interest Rate

10% - 30.5%

Loan Amount

₹40,000 - ₹55,00,000

Min CIBIL

650+

Disbursal

24 hours

View Details Check Eligibility

Axis Bank

bank

Rating

4.1/5

Digital-first banking with competitive rates

Interest Rate

9.99% - 22%

Loan Amount

₹50,000 - ₹50,00,000

Min CIBIL

700+

Disbursal

24-48 hours

View Details Check Eligibility

MoneyView

fintech

Rating

4.2/5

Loans for everyone — even low CIBIL

Interest Rate

14% - 36%

Loan Amount

₹5,000 - ₹10,00,000

Min CIBIL

650+

Disbursal

24 hours

View Details Check Eligibility

KreditBee

fintech

Rating

3.8/5

Instant loans for the new India

Interest Rate

12% - 27.5%

Loan Amount

₹3,000 - ₹10,00,000

Min CIBIL

No CIBIL needed

Disbursal

10 minutes

View Details Check Eligibility

Personal Loans in Delhi — What You Need to Know

Delhi, India's capital and one of the world's largest cities, has one of the most active personal loan markets in the country. With a large salaried workforce across government, IT, and private sectors, millions of Delhi residents rely on personal loans for everything from medical emergencies to home renovation and weddings.

The average personal loan amount in Delhi is ₹2,50,000, with the cheapest interest rate starting from 10.5%. With GoCredit, residents of Delhi can get an instant personal loan from 100+ lenders including HDFC Bank, State Bank of India, ICICI Bank and more — all through a single AI-powered app.

Personal Loan Interest Rates in Delhi — Lender Comparison

Lender	Interest Rate	Min CIBIL	Max Amount	Disbursal
HDFC Bank	9.99% - 24%	720+	₹40,00,000	24 hours
State Bank of India	10% - 15%	650+	₹20,00,000	3-5 working days
ICICI Bank	9.99% - 16.5%	700+	₹50,00,000	24-48 hours
Bajaj Finserv	10% - 30.5%	650+	₹55,00,000	24 hours
Axis Bank	9.99% - 22%	700+	₹50,00,000	24-48 hours
MoneyView	14% - 36%	650+	₹10,00,000	24 hours
KreditBee	12% - 27.5%	No CIBIL	₹10,00,000	10 minutes

This is just 7 of 100+ lenders on GoCredit

Unlock exclusive rates from premium NBFCs and fintechs not shown here. Many offer lower rates than banks — but only through the app.

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Personal Loan Eligibility in Delhi

Check if you qualify for a personal loan in Delhi — available even without CIBIL score. For salaried and self-employed individuals. GoCredit's AI agent matches you with the best lender from 100+ options.

📊

No CIBIL

Min CIBIL Score

Some lenders accept no score

💰

₹10,000

Min Monthly Salary

🎂

21–80 yrs

Age Range

👔

Both

Salaried & Self-Employed

⚡

Minutes

Instant Disbursal

For eligible applicants

Check Your Eligibility in Delhi

Personal Loan EMI Calculator for Delhi

How much will a personal loan cost you in Delhi? EMI breakdown for ₹2,50,000 (average loan amount) at the cheapest to highest rates available.

BEST RATE

Best Rate — 10.5%

Tenure24 months

Monthly EMI₹11,594

Total Interest₹28,256

Total Payment₹2,78,256

Average Rate — 23.3%

Tenure36 months

Monthly EMI₹9,717

Total Interest₹99,812

Total Payment₹3,49,812

Higher Rate — 36%

Tenure48 months

Monthly EMI₹9,894

Total Interest₹2,24,912

Total Payment₹4,74,912

EMI calculated using standard reducing balance method. Actual EMI may vary based on lender terms.

FD vs Personal Loan Calculator

Need money urgently? Compare whether breaking your Fixed Deposit or taking a personal loan in Delhi is cheaper.

Should You Break Your FD or Take a Personal Loan in Delhi?

Compare the cost of breaking your Fixed Deposit vs taking a personal loan to meet your needs.

Fixed Deposit Details

FD Amount

₹

₹50,000₹25,00,000

FD Interest Rate

3.0%9.0%

FD Remaining Tenure

1 mo60 mo

Personal Loan Details

Loan Interest Rate

8.0%36.0%

Loan Tenure

6 mo60 mo

BETTER OPTION

Break Fixed Deposit

FD Maturity Value₹2,67,965

Premature Value (after penalty)₹2,65,341

Interest Lost₹2,624

Take Personal Loan

Monthly EMI₹11,594

Total Loan Interest₹28,256

FD Interest Earned (kept running)+₹17,965

Net Cost₹10,291

Even though breaking your FD looks ₹7,667 cheaper — a low interest personal loan in Delhi protects your savings.

Your FD is a safety net — once broken, most people never rebuild it. Instead of premature withdrawal, apply for a personal loan online in Delhi and use your monthly cashflow to manage the EMI. A short-term personal loan without breaking your FD keeps your savings growing while you meet urgent expenses.

Based on 7% FD rate, 10.5% loan rate, and 24-month personal loan EMI

Apply for Personal Loan Online in Delhi

GoCredit's AI agent does the hard work for you — finds, compares, and applies to 100+ lenders automatically. No manual searching.

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No app needed — start with just your mobile number.

AI Finds Your Best Offer

Our AI agent compares 100+ lenders including premium banks and NBFCs to find your lowest rate.

Instant Disbursal

Eligible? Get money in your bank within minutes. No paperwork, no branch visits.

Why 50 Lakh+ Indians Trust GoCredit

100+

Lenders (Banks, NBFCs & Fintechs)

AI Agent

Finds your cheapest loan automatically

Minutes

Instant disbursal for eligible users

100%

Digital & paperless process

Let AI Find Your Best Loan — No App Needed

Documents Required for Personal Loan in Delhi

Want a personal loan in Delhi without documents? Fintech lenders need minimal paperwork — just PAN and Aadhaar. Banks require more, but GoCredit's 100% digital process means no branch visits.

Banks

HDFC Bank, State Bank of India, ICICI Bank, Axis Bank

✓ PAN Card
✓ Aadhaar Card
✓ Salary Slips (3 months)
✓ Bank Statement (6 months)
✓ Address Proof

NBFCs

Bajaj Finserv

✓ PAN Card
✓ Aadhaar Card
✓ Salary Slips (3 months)
✓ Bank Statement (3 months)

Fintechs

MoneyView, KreditBee

✓ PAN Card
✓ Aadhaar Card
✓ Digital KYC (in-app)

100% paperless process

Popular with borrowers

₹2,000 loan without CIBIL →7-day loan apps for low CIBIL →Loan apps for low CIBIL score →Loan apps for very bad CIBIL →

Frequently Asked Questions — Personal Loan in Delhi

What is the lowest interest rate for personal loan in Delhi?

The lowest personal loan interest rate in Delhi is 10.5% p.a., offered by HDFC Bank. Rates vary based on your CIBIL score, income, and loan amount.

Which lender gives the fastest personal loan in Delhi?

Through GoCredit, eligible applicants in Delhi can get instant disbursal within minutes from digital lenders. Our AI agent automatically finds the fastest approval option from 100+ lenders including banks, NBFCs, and fintechs based on your profile.

Can I get a personal loan in Delhi without CIBIL score?

Yes! KreditBee offer personal loans in Delhi without requiring a CIBIL score. They use alternative credit assessment methods.

What is the maximum personal loan amount available in Delhi?

The maximum personal loan amount in Delhi is ₹55,00,000, offered by Bajaj Finserv. The actual amount depends on your income, CIBIL score, and existing liabilities.

How many lenders offer personal loans in Delhi?

7 lenders currently offer personal loans in Delhi, including HDFC Bank, State Bank of India, ICICI Bank. GoCredit compares all of them to find the best offer for you.

What documents do I need for a personal loan in Delhi?

For banks like HDFC Bank, you need PAN, Aadhaar, salary slips (3 months), and bank statement (6 months). Fintech lenders like MoneyView typically require just PAN and Aadhaar with a fully digital process.

Can self-employed people get a personal loan in Delhi?

Yes, ICICI Bank, Bajaj Finserv, MoneyView, KreditBee offer personal loans to self-employed individuals in Delhi. Requirements may include ITR, business proof, and bank statements.

What is the average personal loan amount in Delhi?

The average personal loan amount in Delhi is ₹2,50,000. Loan amounts range from ₹3,000 to ₹55,00,000 depending on the lender and your profile.

Is it better to break my FD or take a personal loan in Delhi?

In most cases, taking a personal loan is the smarter choice. While the loan rate (from 10.5%) is higher than FD returns (~7%), breaking your FD means losing your savings buffer and the compound interest you've built. A personal loan lets you keep your FD running, maintain your emergency fund, and manage repayment through monthly cashflow. The real strategy: use the loan for your immediate need, keep your FD intact, and focus on increasing income through upskilling or career growth to repay faster. Use our FD vs Loan calculator above to compare exact numbers for your situation.

How quickly can I get a personal loan in Delhi?

With GoCredit, eligible applicants in Delhi can get money disbursed within minutes. Our AI agent instantly matches you with the right lender from 100+ options. Digital lenders and fintechs offer instant approval with a 100% paperless process — no branch visits needed.

Pincodes Served in Delhi

GoCredit lenders are available across 85 pincodes in Delhi, Delhi. Enter your pincode in the GoCredit app to check eligible loan offers instantly.

View all 85 pincodes in Delhi

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Last updated: 26 May 2026 (4 months ago)

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