India's Retail Lending Intelligence

Home Loans · Repo-linkedVerification date recorded nahi

Loan catalogue examples

Catalogue loan products dekhein, planning estimates compare karein aur lender-linked reviews padhein. Rates, eligibility aur conditions har lender se check karein.

Home loans dekho Home loan EMI

1Canara Bank Housing LoanCanara Bank · 30 saal7.15% p.a.2PNB Max Saver Housing LoanPunjab National Bank · 30 saal8.10% p.a.3SBI Regular Home LoanState Bank of India · 30 saal8.40% p.a.4Bank of Baroda Baroda Home LoanBank of Baroda · 30 saal8.40% p.a.5Bajaj Housing Finance Home LoanBajaj Housing Finance · 30 saal8.45% p.a.

Personal Loans · UnsecuredVerification date recorded nahi

Loan catalogue examples

Catalogue loan products dekhein, planning estimates compare karein aur lender-linked reviews padhein. Rates, eligibility aur conditions har lender se check karein.

Personal loans dekho Personal loan EMI

1Axis Bank Personal LoanAxis Bank · 5 saal10.49% p.a.2HDFC Bank Personal LoanHDFC Bank · 5 saal10.50% p.a.3ICICI Bank Personal LoanICICI Bank · 6 saal10.75% p.a.4Tata Capital Personal LoanTata Capital · 6 saal10.99% p.a.5Bajaj Finserv Flexi Personal LoanBajaj Finserv · 8 saal11.00% p.a.

Car LoansVerification date recorded nahi

Loan catalogue examples

Catalogue loan products dekhein, planning estimates compare karein aur lender-linked reviews padhein. Rates, eligibility aur conditions har lender se check karein.

Car loans dekho Car loan EMI

1SBI Car LoanState Bank of India · 7 saal8.65% p.a.2Kotak Mahindra Car FinanceKotak Mahindra Bank · 7 saal8.70% p.a.3HDFC Bank New Car LoanHDFC Bank · 7 saal8.75% p.a.4Axis Bank New Car LoanAxis Bank · 7 saal8.80% p.a.5ICICI Bank Car LoanICICI Bank · 7 saal8.85% p.a.

Education Loans · MoratoriumVerification date recorded nahi

Loan catalogue examples

Catalogue loan products dekhein, planning estimates compare karein aur lender-linked reviews padhein. Rates, eligibility aur conditions har lender se check karein.

Education loans dekho Loans compare karo

1SBI Student LoanState Bank of India · 15 saal10.15% p.a.2HDFC Credila Higher Education LoanHDFC Credila · 15 saal10.25% p.a.3Avanse Education LoanAvanse Financial Services · 15 saal11.50% p.a.

Is catalogue ki verification date recorded nahi hai. Yeh planning examples hain, current offers confirm nahi hue. Decision se pehle lender sources aur product limits check karein.

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Retail Lending Verticals

Select a dedicated vertical to view full lender rankings, benchmark spreads, and borrower guides

Secured Housing

Home Loans

Catalogue loan products dekhein, planning estimates compare karein aur lender-linked reviews padhein. Rates, eligibility aur conditions har lender se check karein.

Catalogue starting rate7.15%p.a. onwards

Maximum tenure30 saal(8 products)

Explore Category Rates & Guide Smart Profile Discovery

Auto Finance

Car Loans

Catalogue loan products dekhein, planning estimates compare karein aur lender-linked reviews padhein. Rates, eligibility aur conditions har lender se check karein.

Catalogue starting rate8.65%p.a. onwards

Maximum tenure7 saal(5 products)

Explore Category Rates & Guide Smart Profile Discovery

Bikes & EVs

Two-Wheeler Loans

Catalogue loan products dekhein, planning estimates compare karein aur lender-linked reviews padhein. Rates, eligibility aur conditions har lender se check karein.

Catalogue starting rate11.99%p.a. onwards

Maximum tenure5 saal(4 products)

Explore Category Rates & Guide Smart Profile Discovery

Unsecured Credit

Personal Loans

Catalogue loan products dekhein, planning estimates compare karein aur lender-linked reviews padhein. Rates, eligibility aur conditions har lender se check karein.

Catalogue starting rate10.49%p.a. onwards

Maximum tenure8 saal(5 products)

Explore Category Rates & Guide Smart Profile Discovery

Higher Studies

Education Loans

Catalogue loan products dekhein, planning estimates compare karein aur lender-linked reviews padhein. Rates, eligibility aur conditions har lender se check karein.

Catalogue starting rate10.15%p.a. onwards

Maximum tenure15 saal(3 products)

Explore Category Rates & Guide Smart Profile Discovery

Point-of-Sale

Consumer Durable Loans

Catalogue loan products dekhein, planning estimates compare karein aur lender-linked reviews padhein. Rates, eligibility aur conditions har lender se check karein.

Catalogue starting rate13.00%p.a. onwards

Maximum tenure3 saal(2 products)

Explore Category Rates & Guide Smart Profile Discovery

RBI Regulatory Framework

Indian Retail Lending ke Core Rules

Floating Loans par 0% Prepayment Penalty

RBI Master Directions ke mutabik individual retail borrowers ko home, auto aur personal credit lines par floating interest rate hone par koi bhi foreclosure ya prepayment penalty nahi deni hoti.

Mandatory External Benchmarks (EBLR)

Commercial banks ko retail credit ki pricing RBI Repo Rate (EBLR) jaise external benchmarks se link karni padti hai. Loan tenure ke dauran spread arbitrary change nahi ho sakta.

True Lifetime Cost Accounting

CredSutra Day-1 upfront cash outgo (processing fees, 18% GST, legal/valuation charges) aur lifetime compounding interest dono ko combine karke transparent cost discovery deta hai.

Sources aur data status

Is catalogue ki verification date recorded nahi hai. Yeh planning examples hain, current offers confirm nahi hue. Decision se pehle lender sources aur product limits check karein.

Official sources & citations

India's Retail Lending Intelligence

Loan catalogue examples

tuneDirect Loan Discovery & Calculators

Retail Lending Verticals

Home Loans

Car Loans

Two-Wheeler Loans

Personal Loans

Education Loans

Consumer Durable Loans

Indian Retail Lending ke Core Rules

Sources aur data status

Direct Loan Discovery & Calculators