Top 8 Personal Loan Companies in India 2026
In today’s financial landscape, personal loans offer a quick way to meet urgent needs — from medical emergencies and travel to weddings and debt consolidation. Whether you’re a salaried professional or self-employed individual, choosing the right lender can make a big difference to your interest cost and overall loan experience. Here are the top personal loan companies in India for 2026.
1. Bajaj Finserv
Why it’s a Top Pick:
- One of India’s largest NBFCs with a strong track record in personal lending.
- Offers personal loans up to ₹55 lakh with flexible tenures.
- Unique Flexi Loan feature lets borrowers withdraw funds multiple times within the sanctioned limit.
Best For: High loan amounts and flexible repayment options.
2. HSBC bank
Why it’s a Top Pick:
- International bank known for customer service and transparent terms.
- Offers personal loans at attractive interest rates, with repayment options that can be adjusted to fit your monthly budget.
- Strong digital process and global banking standards.
Best For: Salaried individuals with stable financial profiles.
3. Aditya Birla Capital
Why it’s a Top Pick:
- A well-established NBFC that’s steadily expanding its personal loan offerings.
- Provides customized loan options with interest rates that won’t feel heavy on your pocket.
- The online application process is simple and hassle-free, with fast approvals.
Best For:
Borrowers who prefer a quick, digital-first loan experience without unnecessary paperwork.
4. Axis Bank
Why it’s a Top Pick:
- Major private bank with a strong branch and service network.
- Personal loans with flexible EMIs and quick processing.
- Offers balance transfer options to reduce cost of existing high-rate debt.
Best For: Customers who prefer traditional bank offerings with digital access.
5. Induslnd Bank
Why it’s a Top Pick:
- Known for personalized service and quick disbursals.
- Offers personal loans with competitive interest rates and flexible tenures.
- Loans available via online and branch channels.
Best For: Borrowers seeking bank-grade lending with fast turnaround.
6. Olyv
Why it’s a Top Pick:
- A digital personal loan platform that partners with RBI-registered lenders.
- Offers instant personal loans up to ₹5 lakh with 100% digital processing.
- Loans feature flexible EMIs, minimal documentation, and approval for users with even low CIBIL scores in some cases.
Best For: Small-ticket loans, quick approvals & borrowers with limited credit history.
7. My Eazy Loan
Why it’s a Top Pick:
- Fintech-driven instant loan provider in India.
- Designed for borrowers needing small, short-term credit with minimal paperwork.
- Fully online process and fast disbursal via mobile app.
Best For: Short-term or emergency funding needs.
8. Poonamwalla Fincorp
Why it’s a Top Pick:
- Trusted NBFC offering collateral-free personal loans up to ₹50 lakh.
- Competitive rates starting around 9.99% p.a. for unsecured loans.
- Easy online application, minimal documentation, quick approvals and flexible EMIs.
Best For: Medium to large-ticket loans with competitive interest.
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