Achieve Your Personal Goals.
Fast, unsecured personal loans for medical emergencies, weddings, travel, or debt consolidation with zero collateral required.
Plan Your Repayment
Use our calculator to estimate your monthly EMI and total interest outflow.
Smart EMI Calculator
Loan: ₹35.0L • Rate: 6.5% • Term: 20 Yrs
Compare Leading Bank Interest Rates & EMIs (2026)
Simulate ₹35.0L over 20 Yrs across India's top lending institutions.
| Bank / Institution | Interest Rate | Est. Monthly EMI | Total Interest | Action |
|---|---|---|---|---|
| State Bank of India (SBI) | 8.40% | ₹30,153 | ₹37,36,720 | |
| HDFC Bank Home Loan | 8.50% | ₹30,374 | ₹37,89,760 | |
| Punjab National Bank (PNB) | 8.45% | ₹30,263 | ₹37,63,120 | |
| Bank of Baroda (BoB) | 8.40% | ₹30,153 | ₹37,36,720 | |
| ICICI Bank Home Loan | 8.75% | ₹30,930 | ₹39,23,200 | |
| BFS Special Partner PoolBEST OFFER | 7.15% | ₹27,451 | ₹30,88,240 |
Eligibility & Documents
We maintain complete transparency. Check what you need before applying.
Minimum Eligibility
- 01
Age Requirement
21 years to 60 years (at the time of loan maturity).
- 02
Income Stability
Minimum ₹15,000/month net in-hand salary (varies by city).
- 03
Credit Score (CIBIL)
750+ is mandatory for unsecured personal loans. No past defaults.
Required Documents
1. Basic KYC
PAN Card, Aadhaar Card, Passport Size Photo
2. Financial Documents
- Last 3 months Salary Slips
- Last 6 months Bank Statement
- Employment ID Card
3. E-Mandate Setup
Netbanking / Debit Card for NACH setup
Why Choose BFS for Personal Loans?
24-Hour Disbursal
Once approved, funds hit your bank account within 24 hours.
Zero Collateral
No guarantors or security required. Purely based on your financial strength.
Best Rate Matching
We scan offers from 50+ banking partners to get you the lowest interest rate.