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Personal Loan
If your plans have been on hold, it’s time you enjoy them with Urban Money’s instant personal loan services. We help you avail fast-approved loans from top-notch banking and non-banking institutions in India with instant access to funds at the lowest personal loan interest rate (starting from 8% per annum). Savour the benefits of pocket-friendly EMIs with flexible repayment tenures ranging from 12-60 months. Compare and choose the best personal loan offers via our inbuilt personal loan EMI calculator.
- Private Bank
- Nationalized Bank
- NBFC
Top Private Banks For Personal Loan - July 2025
Interest Rate
18% - 26%
Loan Amount
₹30K - ₹5L
EMI Per Lakh
₹2,539 - ₹2,994
Processing Fees
Pre-Payment Charges
- Between 13 to 18 months: 5% of outstanding principal.
- After 18 months: 3% of outstanding principal.
- After 12 regular EMIs: NIL
Interest Rate
13% - 25%
Loan Amount
₹1L - ₹5L
EMI Per Lakh
₹2,275 - ₹2,935
Processing Fees
Pre-Payment Charges
--Interest Rate
11.99% - 16.25%
Loan Amount
-
EMI Per Lakh
₹2,224 - ₹2,445
Processing Fees
Pre-Payment Charges
Interest Rate
11.49% - 14.49%
Loan Amount
₹50K - ₹25L
EMI Per Lakh
₹2,199 - ₹2,352
Processing Fees
Pre-Payment Charges
- Pre-payment/pre-closure charges - Floating Rate Scheme - NIL
- Fixed Rate Scheme (including Byom Loans)- 3%
Interest Rate
11.25% - 21.8%
Loan Amount
₹50K - ₹40L
EMI Per Lakh
₹2,187 - ₹2,751
Processing Fees
Pre-Payment Charges
- 5% + GST (as applicable)
- Part-payment charges shall be charged on the amount of part payment. For loans disbursed 4th October, 2023 onwards:
- *Pre-payment Charges shall be charged on principal outstanding
Interest Rate
11.25% - 21%
Loan Amount
₹1L - ₹40L
EMI Per Lakh
₹2,187 - ₹2,705
Processing Fees
Pre-Payment Charges
Prepayment Charges
Interest Rate
11.15% - 14.15%
Loan Amount
₹50K - ₹10L
EMI Per Lakh
₹2,182 - ₹2,335
Processing Fees
Pre-Payment Charges
--Interest Rate
11% - 13%
Loan Amount
₹50K - ₹15L
EMI Per Lakh
₹2,174 - ₹2,275
Processing Fees
Pre-Payment Charges
Interest Rate
11% - 15.5%
Loan Amount
₹25K - ₹5L
EMI Per Lakh
₹2,174 - ₹2,405
Processing Fees
Pre-Payment Charges
--Interest Rate
11% - 17%
Loan Amount
₹1L - ₹25L
EMI Per Lakh
₹2,174 - ₹2,485
Processing Fees
Pre-Payment Charges
--Interest Rate
10.99% - 23.99%
Loan Amount
₹20K - ₹1Cr
EMI Per Lakh
₹2,174 - ₹2,876
Processing Fees
Pre-Payment Charges
Interest Rate
10.99% - 16.99%
Loan Amount
₹50K - ₹35L
EMI Per Lakh
₹2,174 - ₹2,485
Processing Fees
Pre-Payment Charges
Quick Approval
Interest Rate
10.85% - 24%
Loan Amount
₹50K - ₹40L
EMI Per Lakh
₹2,167 - ₹2,877
Processing Fees
Pre-Payment Charges
- 4% of the outstanding principal (loan tenure between 13 - 24 months)
- 3% of the outstanding principal (loan tenure between 25 - 36 months)
- 2% of the outstanding principal (loan tenure if over 36 months)
Quick Approval
Interest Rate
10.85% - 16.65%
Loan Amount
₹2.5L - ₹50L
EMI Per Lakh
₹2,167 - ₹2,466
Processing Fees
Pre-Payment Charges
- 3% plus applicable taxes on principal outstanding after payment of 1st EMI and Nil if 12 or more EMIs are paid. For MSE classified customers, charges are Nil after payment of the 1st EMI for Loan amount upto 50 lakhs.
For salaried customers
Interest Rate
10.75% - 16.49%
Loan Amount
₹50K - ₹30L
EMI Per Lakh
₹2,162 - ₹2,458
Processing Fees
Pre-Payment Charges
Interest Rate
10.5% - 25%
Loan Amount
₹50K - ₹40L
EMI Per Lakh
₹2,149 - ₹2,935
Processing Fees
Pre-Payment Charges
--Interest Rate
10.25% - 26%
Loan Amount
₹3L - ₹75L
EMI Per Lakh
₹2,137 - ₹2,994
Processing Fees
Pre-Payment Charges
Interest Rate
10.15% - 16%
Loan Amount
₹50K - ₹30L
EMI Per Lakh
₹2,132 - ₹2,432
Processing Fees
Pre-Payment Charges
- 5% within 1 year of tenure,
- 4% within 2 years,
- 3% within 3 years,
- 2 % after 3 years.
Top Private Banks For Personal Loan - July 2025
Interest Rate
12% - 17.75%
Loan Amount
₹50K - ₹20L
EMI Per Lakh
₹2,224 - ₹2,526
Processing Fees
Pre-Payment Charges
Interest Rate
11.6% - 16.2%
Loan Amount
₹25K - ₹25L
EMI Per Lakh
₹2,204 - ₹2,442
Processing Fees
Pre-Payment Charges
- There is no prepayment penalty if the loan is adjusted by the borrower from his/her own verifiable legitimate sources.
Prepayment penalty
Interest Rate
11.5% - 15.75%
Loan Amount
Up to ₹50L
EMI Per Lakh
₹2,199 - ₹2,419
Processing Fees
Pre-Payment Charges
Interest Rate
11.25% - 18.5%
Loan Amount
₹1L - ₹20L
EMI Per Lakh
₹2,187 - ₹2,567
Processing Fees
Pre-Payment Charges
Interest Rate
10.9% - 15.9%
Loan Amount
₹1L - ₹10L
EMI Per Lakh
₹2,169 - ₹2,426
Processing Fees
Pre-Payment Charges
Interest Rate
10.35% - 13.4%
Loan Amount
₹50K - ₹20L
EMI Per Lakh
₹2,142 - ₹2,296
Processing Fees
Pre-Payment Charges
Interest Rate
9.85% - 15.25%
Loan Amount
-
EMI Per Lakh
₹2,117 - ₹2,392
Processing Fees
Pre-Payment Charges
- 5% Pre Closure Charge
- After 6 months of account opening – 5%
- Within 6 months of account opening – 6%
Prepayment Charges
Interest Rate
9.5% - 14.3%
Loan Amount
₹25K - ₹20L
EMI Per Lakh
₹2,100 - ₹2,342
Processing Fees
Pre-Payment Charges
- Documentation Charges - 0.20% of the loan amount + GST.
Interest Rate
8% - 15.3%
Loan Amount
₹50K - ₹35L
EMI Per Lakh
₹2,028 - ₹2,395
Processing Fees
Pre-Payment Charges
Top Private Banks For Personal Loan - July 2025
Interest Rate
33.5% - 36%
Loan Amount
₹45K - ₹3L
EMI Per Lakh
₹3,454 - ₹3,613
Processing Fees
Pre-Payment Charges
--Quick Approval
Interest Rate
15% - 36%
Loan Amount
₹50K - ₹5L
EMI Per Lakh
₹2,379 - ₹3,613
Processing Fees
Pre-Payment Charges
Quick Approval
Interest Rate
11.99% - 29.99%
Loan Amount
₹75K - ₹35L
EMI Per Lakh
₹2,224 - ₹3,235
Processing Fees
Pre-Payment Charges
- Part-prepayments can be made only after 6 months. They are allowed only once a year with a minimum gap of 6 months between two part-prepayments. Amount prepaid cannot exceed 25% of the principal outstanding and a charge of 2.5% (plus applicable taxes) will be applied amounts above 25% of the principal outstanding.
- Foreclosure is allowed only after 6 months. A foreclosure charge of 3.5% + GST is applicable on the principal outstanding after 6 months. In case of foreclosure within 6 months after a part-prepayment, a foreclosure charge of 3.5% (plus applicable taxes) will be levied on the principal outstanding plus part-prepayment amount.
- For loans above ₹ 7 lakhs, a 12-month clean payment track is a must for loan foreclosure and a charge of 3.5% + GST applies unless loan is closed with own funds.
- For overdraft cases, loan foreclosure is allowed only after 6 months and a charge of 4.5% + GST is applicable on the dropped-down limit amount.
Quick Approval
Interest Rate
23% - 24.5%
Loan Amount
₹1L - ₹30L
EMI Per Lakh
₹2,819 - ₹2,906
Processing Fees
Pre-Payment Charges
- Before completion of 12 EMIs: 2% of outstanding principal
- After completion of 12 EMIs: 1% of outstanding principal
Interest Rate
19% - 30%
Loan Amount
₹50K - ₹5L
EMI Per Lakh
₹2,594 - ₹3,235
Processing Fees
Pre-Payment Charges
--Interest Rate
18% - 26%
Loan Amount
₹20K - ₹3L
EMI Per Lakh
₹2,539 - ₹2,994
Processing Fees
Pre-Payment Charges
- Up to 4% of the prepaid amount after 1st EMI
- Up to 4% of the outstanding amount after 1st EMI
Part payment charges
Foreclosure charges
Quick Approval
Interest Rate
16.8% - 27.6%
Loan Amount
₹5K - ₹5L
EMI Per Lakh
₹2,475 - ₹3,089
Processing Fees
Pre-Payment Charges
- Late payment charges - Rs 500 + G.S.T
- Foreclosure charges - 4% charge on principal outstanding at the time of foreclosure.
Quick Approval
Interest Rate
14.99% - 24.99%
Loan Amount
₹1L - ₹10L
EMI Per Lakh
₹2,378 - ₹2,935
Processing Fees
Pre-Payment Charges
Interest Rate
14.5% - 18.5%
Loan Amount
₹2L - ₹20L
EMI Per Lakh
₹2,353 - ₹2,567
Processing Fees
Pre-Payment Charges
--Interest Rate
14% - 22%
Loan Amount
₹50K - ₹10L
EMI Per Lakh
₹2,327 - ₹2,762
Processing Fees
Pre-Payment Charges
Interest Rate
13.99% - 42%
Loan Amount
₹50K - ₹10L
EMI Per Lakh
₹2,326 - ₹4,009
Processing Fees
Pre-Payment Charges
Quick Approval
Interest Rate
13.99%
Loan Amount
₹1K - ₹15L
EMI Per Lakh
₹2,326
Processing Fees
Pre-Payment Charges
Interest Rate
13% - 25%
Loan Amount
₹50K - ₹30L
EMI Per Lakh
₹2,275 - ₹2,935
Processing Fees
Pre-Payment Charges
Interest Rate
12.99%
Loan Amount
Up to ₹30L
EMI Per Lakh
₹2,275
Processing Fees
Pre-Payment Charges
--Interest Rate
12.9% - 24.99%
Loan Amount
₹50K - ₹25L
EMI Per Lakh
₹2,270 - ₹2,935
Processing Fees
Pre-Payment Charges
Quick Approval
Interest Rate
12.75% - 44%
Loan Amount
₹5K - ₹5L
EMI Per Lakh
₹2,263 - ₹4,144
Processing Fees
Pre-Payment Charges
Interest Rate
12.15%
Loan Amount
₹1L - ₹5L
EMI Per Lakh
₹2,232
Processing Fees
Pre-Payment Charges
--Interest Rate
12% - 18%
Loan Amount
₹10K - ₹3L
EMI Per Lakh
₹2,224 - ₹2,539
Processing Fees
Pre-Payment Charges
--Interest Rate
11% - 26%
Loan Amount
₹50K - ₹10L
EMI Per Lakh
₹2,174 - ₹2,994
Processing Fees
Pre-Payment Charges
Interest Rate
11% - 27%
Loan Amount
₹1L - ₹30L
EMI Per Lakh
₹2,174 - ₹3,054
Processing Fees
- Up to 3% of loan amount + applicable taxes
Pre-Payment Charges
- Up to 5% of part prepaid amount + applicable taxes.
- 5% of principal outstanding + applicable taxes.
Part Prepayment Charges
Foreclosure Charges
Quick Approval
Interest Rate
11% - 30%
Loan Amount
₹25K - ₹10L
EMI Per Lakh
₹2,174 - ₹3,235
Processing Fees
Pre-Payment Charges
- 5% of the outstanding loan (if paid before 12 months)
- 3% of the outstanding loan (if paid after 12 months )
Interest Rate
10.99%
Loan Amount
Up to ₹35L
EMI Per Lakh
₹2,174
Processing Fees
Pre-Payment Charges
Interest Rate
10.49%
Loan Amount
₹1L - ₹40L
EMI Per Lakh
₹2,149
Processing Fees
Pre-Payment Charges
Interest Rate
10% - 31%
Loan Amount
₹20K - ₹55L
EMI Per Lakh
₹2,125 - ₹3,297
Processing Fees
Pre-Payment Charges
- Full Prepayment
- Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment.
- Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment.
- Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as of the date of full prepayment.
- Part-prepayment
- Term Loan: Up to 4.72% (inclusive of applicable taxes) of the principal amount of the loan prepaid on the date of such part-prepayment.
- Not Applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid.
- Foreclosure will be processed post clearance of first EMI
Quick Approval
Interest Rate
10% - 30%
Loan Amount
₹1L - ₹40L
EMI Per Lakh
₹2,125 - ₹3,235
Processing Fees
Pre-Payment Charges
- Pre-closure Charges - Rs 1,000 + GST
- If part pre-payment is equal to 20% of the total amount disbursed- NIL
- If part pre-payment is greater than 20% of the total amount disbursed- 3% + GST
- No prepayment allowed in the first 12 months from the date of disbursement
- Part prepayment amount should be greater than or equal to total 3 EMIs
- No charges for payment through mobile apps/portal
- Part prepayment of loan facility towards limit reduction is not available
- For Term Loan: 4% of the principal outstanding + GST
- For Flexi Personal Loan: 4% of the withdrawn amount + GST
- Foreclosure is allowed only 12 months after the loan disbursal Also know the processing fee for personal loan
For Flexi Personal Loan:
Foreclosure Charges
Interest Rate
9.99%
Loan Amount
₹1L - ₹50L
EMI Per Lakh
₹2,124
Processing Fees
Pre-Payment Charges
Interest Rate
9.99% - 39.99%
Loan Amount
₹10K - ₹2L
EMI Per Lakh
₹2,124 - ₹3,875
Processing Fees
Pre-Payment Charges
- No pre-closure charges or hidden costs are involved.
Quick Approval
Dream vacation, emergency expenses or alternate loan repayments, Urban Money takes care of your financial health via instant personal loans. With a maximum limit of ₹50 lakhs, we ensure you get the lowest personal interest rate, starting at 8% p.a.
Personal Loan Cities
- Personal Loan in Delhi
- Personal Loan in Mumbai
- Personal Loan in Pune
- Personal Loan in Bangalore
- Personal Loan in Chennai
- Personal Loan in Gurgaon
- Personal Loan in Noida
- Personal Loan in Lucknow
- Personal Loan in Kolkata
- Personal Loan in Indore
- Personal Loan in Bhopal
- Personal Loan in Jaipur
- Personal Loan in Coimbatore
- Personal Loan in Trivandrum
- Personal Loan in Ahmedabad
- Personal Loan in Nagpur
- Personal Loan in Ghaziabad
- Personal Loan in Dehradun
- Personal Loan in Vijaywada
- Personal Loan in Vadodara
- Personal Loan in Surat
- Personal Loan in Thrissur
- Personal Loan in Baroda
- Personal Loan in Hyderabad
Home Loan
Urban Money comprehends your financial needs and offers home loans up to 95% of property valuation. Being your true mortgage loan specialist, we open the best routes to affordable home loan interest rates, speedy approvals, and minimal home loan eligibility criteria. Make the next move to your castle with our home loans with quick approval, fast-moving disbursements, flexible loan repayment periods, and low housing loan interest rates starting at 7%.
- Private Bank
- Nationalized Bank
- NBFC
Top Private Banks For Home Loan - July 2025
Interest Rate
9.75% - 15%
Loan Amount
₹7.5L - ₹3Cr
EMI Per Lakh
₹2,112 - ₹2,379
Processing Fees
Pre-Payment Charges
--Interest Rate
9.75% - 14.5%
Loan Amount
₹2L - ₹3Cr
EMI Per Lakh
₹2,112 - ₹2,353
Processing Fees
Pre-Payment Charges
--Interest Rate
9.65% - 18%
Loan Amount
₹15L - ₹15Cr
EMI Per Lakh
₹2,108 - ₹2,539
Processing Fees
Pre-Payment Charges
- Floating Rate Scheme- NIL
- Fixed Rate Scheme (including Byom Loans)- 3%
Interest Rate
9% - 11.5%
Loan Amount
₹10L - ₹10Cr
EMI Per Lakh
₹2,076 - ₹2,199
Processing Fees
Pre-Payment Charges
Prepayment Charges
Interest Rate
9% - 11.55%
Loan Amount
₹1L - ₹15Cr
EMI Per Lakh
₹2,076 - ₹2,202
Processing Fees
Pre-Payment Charges
- Between 13 to 18 months: 5% of outstanding principal.
- After 18 months: 3% of outstanding principal.
- After 12 regular EMIs: NIL
Interest Rate
8.85% - 10.5%
Loan Amount
₹1L - ₹10Cr
EMI Per Lakh
₹2,069 - ₹2,149
Processing Fees
Pre-Payment Charges
Interest Rate
8.75% - 13.3%
Loan Amount
₹1L - ₹5Cr
EMI Per Lakh
₹2,064 - ₹2,291
Processing Fees
Pre-Payment Charges
Interest Rate
8.75% - 11.2%
Loan Amount
₹3L - ₹5Cr
EMI Per Lakh
₹2,064 - ₹2,184
Processing Fees
Pre-Payment Charges
- NIL for ICICI Home Loans and ICICI Home Improvement Loans with a floating rate of interest.
- 2% on the outstanding principal on full repayment for ICICI Bank Home Loan with a fixed rate of interest.
- 2% on the outstanding principal on full repayment for Top Up Loan if the applicant or co-applicant is Non-Individual.
- 4% on the outstanding amount of loan where the loan is given to Non Individual borrowers or with a fixed rate of interest to Individual borrowers.
Quick Approval
Interest Rate
8.75% - 10%
Loan Amount
₹5L - ₹25Cr
EMI Per Lakh
₹2,064 - ₹2,125
Processing Fees
Pre-Payment Charges
--Interest Rate
8.72% - 10.86%
Loan Amount
₹20L - ₹7.5Cr
EMI Per Lakh
₹2,062 - ₹2,167
Processing Fees
Pre-Payment Charges
--Interest Rate
8.65% - 12%
Loan Amount
₹10L - ₹10Cr
EMI Per Lakh
₹2,059 - ₹2,224
Processing Fees
Pre-Payment Charges
Quick Approval
Interest Rate
8.5% - 9.4%
Loan Amount
₹1L - ₹1Cr
EMI Per Lakh
₹2,052 - ₹2,095
Processing Fees
Pre-Payment Charges
Pre-closure Charges Allowed if borrower has paid at least 12 EMIs.
For salaried:
- 4% of principal outstanding (13-24 months)
- 3% of principal outstanding (25-36 months)
- 2% of principal outstanding (After 36 months)Part-payment Fees Allowed if borrower has paid at least 12 EMIs.
Interest Rate
8.5% - 10.57%
Loan Amount
Up to ₹75L
EMI Per Lakh
₹2,052 - ₹2,153
Processing Fees
Pre-Payment Charges
--Interest Rate
8.45% - 9.7%
Loan Amount
₹1L - ₹10Cr
EMI Per Lakh
₹2,049 - ₹2,110
Processing Fees
Pre-Payment Charges
- 4% of the outstanding principal (loan tenure between 13 - 24 months)
- 3% of the outstanding principal (loan tenure between 25 - 36 months)
- 2% of the outstanding principal (loan tenure if over 36 months)
Interest Rate
8.45% - 13.45%
Loan Amount
₹10K - ₹50Cr
EMI Per Lakh
₹2,049 - ₹2,298
Processing Fees
Pre-Payment Charges
Interest Rate
8.45% - 11.4%
Loan Amount
₹5L - ₹3Cr
EMI Per Lakh
₹2,049 - ₹2,194
Processing Fees
Pre-Payment Charges
--Interest Rate
8.4% - 14.3%
Loan Amount
₹3L - ₹30Cr
EMI Per Lakh
₹2,047 - ₹2,342
Processing Fees
Pre-Payment Charges
- 5% within 1 year of tenure,
- 4% within 2 years,
- 3% within 3 years,
- 2 % after 3 years.
Interest Rate
8.35% - 12.5%
Loan Amount
₹5L - ₹10Cr
EMI Per Lakh
₹2,044 - ₹2,250
Processing Fees
Pre-Payment Charges
--Interest Rate
8% - 14%
Loan Amount
₹1L - ₹5Cr
EMI Per Lakh
₹2,028 - ₹2,327
Processing Fees
Pre-Payment Charges
Interest Rate
8% - 10%
Loan Amount
₹1L - ₹15Cr
EMI Per Lakh
₹2,028 - ₹2,125
Processing Fees
Pre-Payment Charges
- In case of fixed-rate home loan/applicants other than individuals - 2% on the principal repaid.
- In the case of a floating home loan: prepayment charges are not applicable.
Top Private Banks For Home Loan - July 2025
Interest Rate
9% - 11.7%
Loan Amount
₹1L - ₹5Cr
EMI Per Lakh
₹2,076 - ₹2,209
Processing Fees
Pre-Payment Charges
Interest Rate
8.4% - 10.85%
Loan Amount
₹5L - ₹7.5Cr
EMI Per Lakh
₹2,047 - ₹2,167
Processing Fees
Pre-Payment Charges
- On the floating rate of interest by the individual borrower: No charges.
- On the floating rate of interest by non-individual borrower being applicant or co-applicant: 2% of principal prepaid.
- On the fixed rate of interest by the individual borrower: 3% of principal prepaid; if prepayment is my own source then no fee is applicable.
- On the fixed rate of interest by non-individual borrower being applicant or co-applicant: 3% of principal prepaid.
Interest Rate
8.05% - 11.25%
Loan Amount
₹5L - ₹5Cr
EMI Per Lakh
₹2,030 - ₹2,187
Processing Fees
Pre-Payment Charges
Interest Rate
8% - 10.6%
Loan Amount
₹10L - ₹10Cr
EMI Per Lakh
₹2,028 - ₹2,154
Processing Fees
Pre-Payment Charges
Interest Rate
8% - 8.95%
Loan Amount
₹5L - ₹40Cr
EMI Per Lakh
₹2,028 - ₹2,073
Processing Fees
Pre-Payment Charges
--Interest Rate
7.9% - 10.75%
Loan Amount
₹10L - ₹50L
EMI Per Lakh
₹2,023 - ₹2,162
Processing Fees
Pre-Payment Charges
Interest Rate
7.9% - 9.65%
Loan Amount
₹5L - ₹75L
EMI Per Lakh
₹2,023 - ₹2,108
Processing Fees
Pre-Payment Charges
- IB Pension Loan Scheme - Up to Rs 25,000- NIL
- Above Rs 25,000- Rs 250
- IB Clean Loan to Salaried - 1.00% on the loan amount
Interest Rate
7.85% - 12.65%
Loan Amount
₹5L - ₹2Cr
EMI Per Lakh
₹2,020 - ₹2,257
Processing Fees
Pre-Payment Charges
Interest Rate
7.85% - 9.9%
Loan Amount
₹10L - ₹2Cr
EMI Per Lakh
₹2,020 - ₹2,120
Processing Fees
Pre-Payment Charges
- Documentation Charges - 0.20% of the loan amount + GST
Top Private Banks For Home Loan - July 2025
Interest Rate
15% - 25%
Loan Amount
₹2L - ₹2Cr
EMI Per Lakh
₹2,379 - ₹2,935
Processing Fees
Pre-Payment Charges
- 5% of Principal foreclosed (post 6-month lock-in)
Interest Rate
13% - 19%
Loan Amount
₹5L - ₹50L
EMI Per Lakh
₹2,275 - ₹2,594
Processing Fees
Pre-Payment Charges
Interest Rate
12.5% - 19.5%
Loan Amount
₹5L - ₹3Cr
EMI Per Lakh
₹2,250 - ₹2,622
Processing Fees
Pre-Payment Charges
Interest Rate
11.75% - 17%
Loan Amount
₹1L - ₹1Cr
EMI Per Lakh
₹2,212 - ₹2,485
Processing Fees
Pre-Payment Charges
- For home loan + LAP(at fixed rates): 2% of outstanding loan + applicable GST.
- For home loan + LAP (at variable rates): NIL
- For project loan: 2% of outstanding loan + applicable GST.
Interest Rate
11% - 17%
Loan Amount
₹10L - ₹5Cr
EMI Per Lakh
₹2,174 - ₹2,485
Processing Fees
Pre-Payment Charges
--Interest Rate
11% - 19%
Loan Amount
₹3L - ₹50L
EMI Per Lakh
₹2,174 - ₹2,594
Processing Fees
Pre-Payment Charges
Interest Rate
10.5% - 10.9%
Loan Amount
₹5L - ₹5Cr
EMI Per Lakh
₹2,149 - ₹2,169
Processing Fees
Pre-Payment Charges
--Interest Rate
9.5%
Loan Amount
₹5L - ₹2Cr
EMI Per Lakh
₹2,100
Processing Fees
Pre-Payment Charges
--Interest Rate
9.5%
Loan Amount
₹1L - ₹3Cr
EMI Per Lakh
₹2,100
Processing Fees
Pre-Payment Charges
--Interest Rate
9.5% - 10.5%
Loan Amount
₹5L - ₹5Cr
EMI Per Lakh
₹2,100 - ₹2,149
Processing Fees
Pre-Payment Charges
Interest Rate
9.49% - 11%
Loan Amount
₹1L - ₹7Cr
EMI Per Lakh
₹2,100 - ₹2,174
Processing Fees
Pre-Payment Charges
--Interest Rate
9% - 11.5%
Loan Amount
₹5L - ₹25Cr
EMI Per Lakh
₹2,076 - ₹2,199
Processing Fees
Pre-Payment Charges
Interest Rate
9% - 22%
Loan Amount
₹1L - ₹1Cr
EMI Per Lakh
₹2,076 - ₹2,762
Processing Fees
Pre-Payment Charges
- Pre-paying a Business Loan is a smart way to save on payment of additional interest, thereby keeping the overall costs low.
- With Poonawalla Fincorp’s Business Loan, you can prepay at your convenience and are not required to pay any fee for the same.
- This is because we levy zero prepayment charges on our Business Loan if paid from own sources.
- This helps you maximize your savings and focus on your business.
Interest Rate
8.75% - 9.75%
Loan Amount
₹10L - ₹5Cr
EMI Per Lakh
₹2,064 - ₹2,112
Processing Fees
Pre-Payment Charges
Interest Rate
8.75% - 17%
Loan Amount
₹1L - ₹2Cr
EMI Per Lakh
₹2,064 - ₹2,485
Processing Fees
Pre-Payment Charges
Interest Rate
8.75% - 17.75%
Loan Amount
₹2L - ₹75L
EMI Per Lakh
₹2,064 - ₹2,526
Processing Fees
Pre-Payment Charges
- Before completion of 12 EMIs: 2% of outstanding principal.
- After completion of 12 EMIs: 1% of outstanding principal.
Interest Rate
8.7% - 15.9%
Loan Amount
₹5L - ₹7.5Cr
EMI Per Lakh
₹2,061 - ₹2,426
Processing Fees
Pre-Payment Charges
Interest Rate
8.6% - 17%
Loan Amount
₹20L - ₹10Cr
EMI Per Lakh
₹2,056 - ₹2,485
Processing Fees
Pre-Payment Charges
--Interest Rate
8.55% - 11%
Loan Amount
₹5L - ₹10Cr
EMI Per Lakh
₹2,054 - ₹2,174
Processing Fees
Pre-Payment Charges
--Interest Rate
8.5% - 14.75%
Loan Amount
₹1L - ₹5Cr
EMI Per Lakh
₹2,052 - ₹2,366
Processing Fees
Pre-Payment Charges
Interest Rate
8.5% - 12.35%
Loan Amount
₹20L - ₹10Cr
EMI Per Lakh
₹2,052 - ₹2,242
Processing Fees
Pre-Payment Charges
- Rs 1,000 + GST, If part pre-payment is equal to 20% of the total amount disbursed- NIL
- If part pre-payment is greater than 20% of the total amount disbursed- 3% + GST
- No prepayment allowed in the first 12 months from the date of disbursement
Pre-closure Charges -
Interest Rate
8% - 17.5%
Loan Amount
₹20K - ₹75L
EMI Per Lakh
₹2,028 - ₹2,512
Processing Fees
Pre-Payment Charges
--Interest Rate
7.99% - 17%
Loan Amount
₹1L - ₹15Cr
EMI Per Lakh
₹2,027 - ₹2,485
Processing Fees
Pre-Payment Charges
Interest Rate
Up to 24%
Loan Amount
₹5L - ₹50L
EMI Per Lakh
₹2,877
Processing Fees
Pre-Payment Charges
--Make your dream home a reality with our leading home loan services. Urban Money has tied knots with an array of banks providing nimble and hassle-free mortgage loans. Unlock home credit loans with a host of benefits, like low housing loan interest rates and smaller EMIs to space out your payments over a longer tenure.
Home Loan Cities
- Home Loan in Delhi
- Home Loan in Mumbai
- Home Loan in Pune
- Home Loan in Bangalore
- Home Loan in Chennai
- Home Loan in Gurgaon
- Home Loan in Noida
- Home Loan in Lucknow
- Home Loan in Kolkata
- Home Loan in Indore
- Home Loan in Bhopal
- Home Loan in Jaipur
- Home Loan in Coimbatore
- Home Loan in Trivandrum
- Home Loan in Ahmedabad
- Home Loan in Nagpur
- Home Loan in Ghaziabad
- Home Loan in Dehradun
- Home Loan in Vijaywada
- Home Loan in Vadodara
- Home Loan in Surat
- Home Loan in Thrissur
- Home Loan in Hyderabad
Loan Against Property
At Urban Money, we understand your urgent need for finances. Tailoring the best loan against property options from premium banking and non-banking institutions, we ensure fast LAP approval with minimal documentation. Offering a robust response to your immediate needs of consolidating debts or paying extensive medical bills, we even help you avail a loan against property without income proof and ensure competitive LAP interest rates between 8%-25% p.a. Guiding you to the right financial path, we at Urban Money furnish flexible repayment options via a comprehensive and comparative EMI analysis.
- Private Bank
- Nationalized Bank
- NBFC
Top Private Banks For Loan Against Property - July 2025
Interest Rate
12% - 16%
Loan Amount
₹3L - ₹5Cr
EMI Per Lakh
₹2,224 - ₹2,432
Processing Fees
Pre-Payment Charges
Interest Rate
11.8% - 13.3%
Loan Amount
₹49L - ₹5Cr
EMI Per Lakh
₹2,214 - ₹2,291
Processing Fees
Pre-Payment Charges
- NIL, if the prepaid amount does not exceed 25% of the principal amount
- 2.5%, if the prepaid amount exceeds 25% of the principal amount.
Interest Rate
10.95%
Loan Amount
₹5L - ₹5Cr
EMI Per Lakh
₹2,172
Processing Fees
Pre-Payment Charges
Interest Rate
10.85% - 12.5%
Loan Amount
₹10L - ₹5Cr
EMI Per Lakh
₹2,167 - ₹2,250
Processing Fees
Pre-Payment Charges
Interest Rate
10.5% - 10.95%
Loan Amount
₹5L - ₹5Cr
EMI Per Lakh
₹2,149 - ₹2,172
Processing Fees
Pre-Payment Charges
- Upto 25% of the principal outstanding repaid in the quarter – NIL Charges
- More than 25% of principal outstanding repaid in a quarter.
- 3% charges on excess amount repaid.
- For non-individuals: 3% part prepayment charge on outstanding principal.
- For individuals with end use as business: 3% on outstanding principal.
- For individuals with end use other than business: NIL.
- For non-individuals: 3% foreclosure charge on outstanding principal is applicable.
- For individuals with end use as business: 3% foreclosure charge on outstanding principal.
- For individuals with end use other than business: NIL
Interest Rate
9.75% - 12%
Loan Amount
₹10L - ₹1.5Cr
EMI Per Lakh
₹2,112 - ₹2,224
Processing Fees
Pre-Payment Charges
- NIL , for individual borrowers for purposes other than business.
Interest Rate
9.5% - 12%
Loan Amount
₹10L - ₹5Cr
EMI Per Lakh
₹2,100 - ₹2,224
Processing Fees
Pre-Payment Charges
Quick Approval
Interest Rate
9.5% - 12.25%
Loan Amount
₹8L - ₹1.5Cr
EMI Per Lakh
₹2,100 - ₹2,237
Processing Fees
Pre-Payment Charges
Interest Rate
9.5%
Loan Amount
₹3L - ₹10Cr
EMI Per Lakh
₹2,100
Processing Fees
Pre-Payment Charges
- 5% on principal amount, if paid within 12 months.
Interest Rate
9.5% - 13%
Loan Amount
Up to ₹10Cr
EMI Per Lakh
₹2,100 - ₹2,275
Processing Fees
Pre-Payment Charges
--Interest Rate
9.45% - 14%
Loan Amount
₹3L - ₹60Cr
EMI Per Lakh
₹2,098 - ₹2,327
Processing Fees
Pre-Payment Charges
- Up to 25% of the loan amount sanctioned in every financial year.
Interest Rate
9.25% - 17%
Loan Amount
₹10L - ₹15Cr
EMI Per Lakh
₹2,088 - ₹2,485
Processing Fees
Pre-Payment Charges
Interest Rate
9.1% - 14%
Loan Amount
₹30K - ₹50L
EMI Per Lakh
₹2,081 - ₹2,327
Processing Fees
Pre-Payment Charges
Interest Rate
9% - 14%
Loan Amount
₹50L - ₹3Cr
EMI Per Lakh
₹2,076 - ₹2,327
Processing Fees
Pre-Payment Charges
Interest Rate
8.95% - 12.2%
Loan Amount
-
EMI Per Lakh
₹2,073 - ₹2,235
Processing Fees
Pre-Payment Charges
- NIL, if the prepaid amount does not exceed 25% of the principal amount
Interest Rate
8.5% - 20.6%
Loan Amount
₹2L - ₹10Cr
EMI Per Lakh
₹2,052 - ₹2,683
Processing Fees
Pre-Payment Charges
--Interest Rate
Up to 17%
Loan Amount
₹10L - ₹5Cr
EMI Per Lakh
₹2,485
Processing Fees
Pre-Payment Charges
--Interest Rate
Up to 18.25%
Loan Amount
₹3L - ₹25L
EMI Per Lakh
₹2,553
Processing Fees
Pre-Payment Charges
- Prepayment charge is not applicable to Individual applicant with individual co-applicant.
Top Private Banks For Loan Against Property - July 2025
Interest Rate
11.9% - 14%
Loan Amount
₹2L - ₹5Cr
EMI Per Lakh
₹2,219 - ₹2,327
Processing Fees
Pre-Payment Charges
- For loan upto Rs 50 lakh – Rs 2500/-
Interest Rate
10.3% - 13.3%
Loan Amount
Up to ₹10Cr
EMI Per Lakh
₹2,139 - ₹2,291
Processing Fees
Pre-Payment Charges
Interest Rate
10.2% - 12.85%
Loan Amount
₹25L - ₹1Cr
EMI Per Lakh
₹2,135 - ₹2,268
Processing Fees
Pre-Payment Charges
--Interest Rate
9.75% - 11.05%
Loan Amount
₹1L - ₹20L
EMI Per Lakh
₹2,112 - ₹2,177
Processing Fees
Pre-Payment Charges
Interest Rate
9.7% - 18.35%
Loan Amount
₹2L - ₹25Cr
EMI Per Lakh
₹2,110 - ₹2,558
Processing Fees
Pre-Payment Charges
--Top Private Banks For Loan Against Property - July 2025
Interest Rate
13% - 17%
Loan Amount
₹10L - ₹1Cr
EMI Per Lakh
₹2,275 - ₹2,485
Processing Fees
Pre-Payment Charges
- Lock-in period - 12 months
Interest Rate
17.5% - 23.5%
Loan Amount
Up to ₹1Cr
EMI Per Lakh
₹2,512 - ₹2,848
Processing Fees
Pre-Payment Charges
--Interest Rate
15% - 17%
Loan Amount
₹25L - ₹1Cr
EMI Per Lakh
₹2,379 - ₹2,485
Processing Fees
Pre-Payment Charges
--Interest Rate
14.99% - 24.99%
Loan Amount
Up to ₹2Cr
EMI Per Lakh
₹2,378 - ₹2,935
Processing Fees
Pre-Payment Charges
--Interest Rate
14% - 19%
Loan Amount
₹5L - ₹7.5Cr
EMI Per Lakh
₹2,327 - ₹2,594
Processing Fees
Pre-Payment Charges
- Up to 4% plus GST.
Interest Rate
13.5% - 19%
Loan Amount
₹2L - ₹35L
EMI Per Lakh
₹2,301 - ₹2,594
Processing Fees
Pre-Payment Charges
Interest Rate
12.8% - 18.5%
Loan Amount
₹1L - ₹25L
EMI Per Lakh
₹2,265 - ₹2,567
Processing Fees
Pre-Payment Charges
--Interest Rate
12.5% - 14%
Loan Amount
₹1L - ₹10Cr
EMI Per Lakh
₹2,250 - ₹2,327
Processing Fees
Pre-Payment Charges
--Interest Rate
11.5%
Loan Amount
Up to ₹2Cr
EMI Per Lakh
₹2,199
Processing Fees
Pre-Payment Charges
- 2% of the principal amount of Loan being prepaid + applicable taxes.
Interest Rate
11% - 24%
Loan Amount
₹75K - ₹15L
EMI Per Lakh
₹2,174 - ₹2,877
Processing Fees
Pre-Payment Charges
- Upto 4%+GST.
Interest Rate
11% - 17%
Loan Amount
₹20L - ₹7.5Cr
EMI Per Lakh
₹2,174 - ₹2,485
Processing Fees
Pre-Payment Charges
--Interest Rate
10.65%
Loan Amount
₹1L - ₹2Cr
EMI Per Lakh
₹2,157
Processing Fees
Pre-Payment Charges
- 5% of prepaid amount plus taxes (within 12 months of 1st disbursement).
Interest Rate
10.55% - 18%
Loan Amount
₹10L - ₹7.5Cr
EMI Per Lakh
₹2,152 - ₹2,539
Processing Fees
Pre-Payment Charges
- Lock-in period -12 months
Interest Rate
10% - 15.5%
Loan Amount
₹10L - ₹30Cr
EMI Per Lakh
₹2,125 - ₹2,405
Processing Fees
Pre-Payment Charges
--Interest Rate
10% - 20%
Loan Amount
Up to ₹1Cr
EMI Per Lakh
₹2,125 - ₹2,649
Processing Fees
Pre-Payment Charges
--Interest Rate
9.98% - 18.2%
Loan Amount
₹1L - ₹2Cr
EMI Per Lakh
₹2,124 - ₹2,550
Processing Fees
Pre-Payment Charges
- Nil with variable interest rates after 12 months.
Interest Rate
9.75%
Loan Amount
₹30L - ₹5Cr
EMI Per Lakh
₹2,112
Processing Fees
Pre-Payment Charges
- For prepayments up to 25% of principal outstanding.
Interest Rate
9.75%
Loan Amount
₹5L - ₹15Cr
EMI Per Lakh
₹2,112
Processing Fees
Pre-Payment Charges
Interest Rate
9.7%
Loan Amount
₹10L - ₹10Cr
EMI Per Lakh
₹2,110
Processing Fees
Pre-Payment Charges
Interest Rate
9.55%
Loan Amount
₹3L - ₹7Cr
EMI Per Lakh
₹2,103
Processing Fees
Pre-Payment Charges
Interest Rate
9.5% - 18%
Loan Amount
₹1L - ₹1Cr
EMI Per Lakh
₹2,100 - ₹2,539
Processing Fees
Pre-Payment Charges
--Interest Rate
9.5% - 18%
Loan Amount
₹2L - ₹25Cr
EMI Per Lakh
₹2,100 - ₹2,539
Processing Fees
Pre-Payment Charges
Interest Rate
9.25% - 15.25%
Loan Amount
₹2L - ₹5Cr
EMI Per Lakh
₹2,088 - ₹2,392
Processing Fees
Pre-Payment Charges
- NIL – In case property is in the name of Individual & loan.
Interest Rate
9% - 12%
Loan Amount
Up to ₹5Cr
EMI Per Lakh
₹2,076 - ₹2,224
Processing Fees
Pre-Payment Charges
Interest Rate
9% - 24%
Loan Amount
₹50K - ₹12Cr
EMI Per Lakh
₹2,076 - ₹2,877
Processing Fees
Pre-Payment Charges
- Within 6 months from the Agreement Date - 5%.
Interest Rate
9% - 16.5%
Loan Amount
Up to ₹10Cr
EMI Per Lakh
₹2,076 - ₹2,458
Processing Fees
Pre-Payment Charges
Interest Rate
8.75% - 20%
Loan Amount
₹15L - ₹1Cr
EMI Per Lakh
₹2,064 - ₹2,649
Processing Fees
Pre-Payment Charges
Interest Rate
8.75%
Loan Amount
Up to ₹75Cr
EMI Per Lakh
₹2,064
Processing Fees
Pre-Payment Charges
Interest Rate
7.99% - 16.75%
Loan Amount
₹10L - ₹50L
EMI Per Lakh
₹2,027 - ₹2,472
Processing Fees
Pre-Payment Charges
--Loan Against Property (LAP) doesn't have to be complicated. Discover your residential or commercial property’s hidden potential to fulfil your financial needs with Urban Money. Get quick approvals, attractive LAP interest rates with minimal paperwork.
Calculators
- Home Loan EMI Calculator
- Home Loan Balance Transfer Calculator
- Home Loan Pre Payment Calculator
- Home Loan Tax Benefit Calculator
- SBI Home Loan Calculator
- SBI Personal Loan Calculator
- HDFC Personal Loan Calculator
- HDFC RD Calculator
- ICICI Home Loan Calculator
- ICICI Personal Loan Calculator
- ICICI FD Calculator
- Axis Bank Home Loan Calculator
- Axis Bank Personal Loan Calculator
- Axis Bank FD Calculator
Business Loan
We provide what your business needs. At Urban Money, we understand, address and absolve your need for capital via extensive business loan services. Tailoring business loans for startups, MSMEs and larger organisations, we help our clients choose the best lenders from an exhaustive list of public and private banks and NBFCs via cutting-edge comparative analysis of business loan interest rates. Get faster loan processing and easy disbursal with minimal documentation to escalate your business to new heights only at Urban Money.
- Private Bank
- Nationalized Bank
- NBFC
Top Private Banks For Business Loan - July 2025
Interest Rate
16% - 28%
Loan Amount
₹3L - ₹1Cr
EMI Per Lakh
₹2,432 - ₹3,114
Processing Fees
Pre-Payment Charges
Quick Approval
Interest Rate
16% - 19%
Loan Amount
₹10L - ₹50L
EMI Per Lakh
₹2,432 - ₹2,594
Processing Fees
Pre-Payment Charges
Interest Rate
15.99% - 24.25%
Loan Amount
₹5L - ₹50L
EMI Per Lakh
₹2,431 - ₹2,891
Processing Fees
Pre-Payment Charges
Interest Rate
15.99%
Loan Amount
₹30L - ₹1Cr
EMI Per Lakh
₹2,431
Processing Fees
Pre-Payment Charges
Interest Rate
14%
Loan Amount
Up to ₹75L
EMI Per Lakh
₹2,327
Processing Fees
Pre-Payment Charges
- Prepayment / foreclosure charges for MSME 2%.
Interest Rate
14%
Loan Amount
₹7L - ₹1Cr
EMI Per Lakh
₹2,327
Processing Fees
Pre-Payment Charges
Interest Rate
14% - 26%
Loan Amount
₹10L - ₹50L
EMI Per Lakh
₹2,327 - ₹2,994
Processing Fees
- 2.5% of Loan amount for Business Loans (loan amount greater than Rs 25 lakh)
- 3% of Loan amount for small business Loans (Rs 5 lakh to Rs 25 lakh)
- (No processing fee applicable for small business loans below Rs 5 lakh)
Pre-Payment Charges
- Zero foreclosure permitted before repayment of 6 EMIs.
- On payment of 7 to 18 EMIs – 5% of principal outstanding.
- On payment of more than 18 EMIs – 3% of principal outstanding.
- Note: The foreclosure charges are not applicable for facility sanctioned to MSMEs with floating interest rate loans and for fixed interest rate loans with loan amounts of up to Rs 50 lakh.
Interest Rate
13.25% - 19.5%
Loan Amount
₹1L - ₹40L
EMI Per Lakh
₹2,288 - ₹2,622
Processing Fees
Pre-Payment Charges
- Charged as per the terms and conditions mentioned in the sanction letter.
- No foreclosure charges for Micro and Small enterprises.
Interest Rate
12% - 18%
Loan Amount
₹1L - ₹30L
EMI Per Lakh
₹2,224 - ₹2,539
Processing Fees
Pre-Payment Charges
Interest Rate
11.1% - 17.95%
Loan Amount
₹1L - ₹2Cr
EMI Per Lakh
₹2,179 - ₹2,537
Processing Fees
Pre-Payment Charges
Interest Rate
10.75% - 25%
Loan Amount
₹50K - ₹10Cr
EMI Per Lakh
₹2,162 - ₹2,935
Processing Fees
Pre-Payment Charges
Interest Rate
10.75% - 22.5%
Loan Amount
₹50K - ₹50L
EMI Per Lakh
₹2,162 - ₹2,790
Processing Fees
- Up to 2.00%* of the loan amount.
- NIL Processing Fees for loan facility up to ₹5 Lakhs availed by micro and small Enterprises subject to URC submission prior to disbursal.
Pre-Payment Charges
- 06 – 24 months: 4% of total principal outstanding.
- 25 – 36 months: 3% of total principal outstanding.
- More than 36 months: 2% of total principal outstanding.
- Note:The bank does not permit part/full prepayment of loans until repayment of at least 6 EMIs.
- The bank allows part-payment of up to 25% of the principal outstanding, after payment of 12 EMIs, once in the financial year and twice during the entire loan tenure.
- The bank does not levy any foreclosure/prepayment charges for fixed rate business loan facility of up to Rs. 50 Lakh availed by Micro & Small Enterprises (MSE) and closure from own sources
Interest Rate
10.75% - 22.5%
Loan Amount
Up to ₹40L
EMI Per Lakh
₹2,162 - ₹2,790
Processing Fees
Pre-Payment Charges
Interest Rate
9.95% - 19.5%
Loan Amount
₹2L - ₹30L
EMI Per Lakh
₹2,122 - ₹2,622
Processing Fees
Pre-Payment Charges
Interest Rate
9% - 36%
Loan Amount
Up to ₹5Cr
EMI Per Lakh
₹2,076 - ₹3,613
Processing Fees
Pre-Payment Charges
For unsecured loans:
For secured loans (immovable property):
Interest Rate
8.05% - 13.45%
Loan Amount
₹50K - ₹5Cr
EMI Per Lakh
₹2,030 - ₹2,298
Processing Fees
Pre-Payment Charges
--Top Private Banks For Business Loan - July 2025
Interest Rate
15% - 25%
Loan Amount
₹50K - ₹10Cr
EMI Per Lakh
₹2,379 - ₹2,935
Processing Fees
Pre-Payment Charges
Interest Rate
11.4% - 15.5%
Loan Amount
Up to ₹15L
EMI Per Lakh
₹2,194 - ₹2,405
Processing Fees
Pre-Payment Charges
Interest Rate
10.2% - 12.95%
Loan Amount
₹5L - ₹5Cr
EMI Per Lakh
₹2,135 - ₹2,273
Processing Fees
Pre-Payment Charges
--Interest Rate
9.5% - 11.55%
Loan Amount
₹50K - ₹20Cr
EMI Per Lakh
₹2,100 - ₹2,202
Processing Fees
Pre-Payment Charges
Interest Rate
9.1% - 11.55%
Loan Amount
₹10L - ₹50Cr
EMI Per Lakh
₹2,081 - ₹2,202
Processing Fees
Pre-Payment Charges
Interest Rate
7.25% - 13.5%
Loan Amount
₹5L - ₹1Cr
EMI Per Lakh
₹1,992 - ₹2,301
Processing Fees
Pre-Payment Charges
Top Private Banks For Business Loan - July 2025
Interest Rate
12.5% - 26%
Loan Amount
₹40K - ₹90L
EMI Per Lakh
₹2,250 - ₹2,994
Processing Fees
Pre-Payment Charges
Interest Rate
19.99% - 26%
Loan Amount
₹50K - ₹10L
EMI Per Lakh
₹2,649 - ₹2,994
Processing Fees
Pre-Payment Charges
--Interest Rate
19%
Loan Amount
₹50K - ₹25L
EMI Per Lakh
₹2,594
Processing Fees
Pre-Payment Charges
Interest Rate
19%
Loan Amount
₹5L - ₹75L
EMI Per Lakh
₹2,594
Processing Fees
Pre-Payment Charges
- Up to 2.75% of the loan amount plus GST
- 4.5% on future principal outstanding on existing loan plus GST
- No foreclosure allowed for the first 9 months
Processing fees
Foreclosure charges
Interest Rate
18% - 24%
Loan Amount
₹50K - ₹1Cr
EMI Per Lakh
₹2,539 - ₹2,877
Processing Fees
Pre-Payment Charges
- 2% of the amount prepaid.
Interest Rate
18% - 28%
Loan Amount
₹3.5L - ₹25Cr
EMI Per Lakh
₹2,539 - ₹3,114
Processing Fees
Pre-Payment Charges
Interest Rate
18%
Loan Amount
₹1L - ₹50L
EMI Per Lakh
₹2,539
Processing Fees
Pre-Payment Charges
--Interest Rate
17% - 21%
Loan Amount
₹1L - ₹75L
EMI Per Lakh
₹2,485 - ₹2,705
Processing Fees
Pre-Payment Charges
--Interest Rate
17%
Loan Amount
₹5L - ₹30L
EMI Per Lakh
₹2,485
Processing Fees
Pre-Payment Charges
Interest Rate
16% - 24%
Loan Amount
Up to ₹40Cr
EMI Per Lakh
₹2,432 - ₹2,877
Processing Fees
Pre-Payment Charges
Interest Rate
16% - 25%
Loan Amount
₹5L - ₹30L
EMI Per Lakh
₹2,432 - ₹2,935
Processing Fees
Pre-Payment Charges
- 5% of principal amount
Quick Approval
Interest Rate
15.5% - 24%
Loan Amount
Up to ₹75L
EMI Per Lakh
₹2,405 - ₹2,877
Processing Fees
Pre-Payment Charges
--Interest Rate
15% - 40%
Loan Amount
₹1L - ₹75L
EMI Per Lakh
₹2,379 - ₹3,875
Processing Fees
Pre-Payment Charges
--Interest Rate
15%
Loan Amount
₹50K - ₹2Cr
EMI Per Lakh
₹2,379
Processing Fees
Pre-Payment Charges
Quick Approval
Interest Rate
15% - 24%
Loan Amount
₹50K - ₹1Cr
EMI Per Lakh
₹2,379 - ₹2,877
Processing Fees
- Indifi Term Loan: 3%
- Indifi Business Loan Line of Credit: 2%
- Indifi Merchant Cash Advance: 2%
- Indifi Business Loan for Women: 2%
- Indifi Flipkart Seller Loan: 3%
- Indifi Amazon Seller Loan: 3%
Pre-Payment Charges
Interest Rate
14% - 26%
Loan Amount
₹25K - ₹45L
EMI Per Lakh
₹2,327 - ₹2,994
Processing Fees
- Unsecured Business Loan
- Annual Maintenance Charges
- Secured Business Loan
- Annual Maintenance Charges
Pre-Payment Charges
- Pre-Repayment Charges(Unsecured Business Loan)
- Pre-Repayment Charges
Interest Rate
14% - 30%
Loan Amount
₹5L - ₹50L
EMI Per Lakh
₹2,327 - ₹3,235
Processing Fees
Pre-Payment Charges
Interest Rate
14% - 24%
Loan Amount
₹15L - ₹50L
EMI Per Lakh
₹2,327 - ₹2,877
Processing Fees
Pre-Payment Charges
--Interest Rate
13.99%
Loan Amount
₹5L - ₹25L
EMI Per Lakh
₹2,326
Processing Fees
Pre-Payment Charges
Interest Rate
13.5% - 19.5%
Loan Amount
₹5L - ₹50L
EMI Per Lakh
₹2,301 - ₹2,622
Processing Fees
Pre-Payment Charges
--Interest Rate
13% - 19%
Loan Amount
₹5K - ₹10Cr
EMI Per Lakh
₹2,275 - ₹2,594
Processing Fees
Pre-Payment Charges
--Interest Rate
10% - 42%
Loan Amount
₹1L - ₹1Cr
EMI Per Lakh
₹2,125 - ₹4,009
Processing Fees
Pre-Payment Charges
Interest Rate
10% - 36%
Loan Amount
₹10L - ₹50L
EMI Per Lakh
₹2,125 - ₹3,613
Processing Fees
Pre-Payment Charges
--Interest Rate
9% - 15%
Loan Amount
₹5L - ₹7.5Cr
EMI Per Lakh
₹2,076 - ₹2,379
Processing Fees
Pre-Payment Charges
Interest Rate
9% - 12%
Loan Amount
₹25L - ₹5Cr
EMI Per Lakh
₹2,076 - ₹2,224
Processing Fees
Pre-Payment Charges
Interest Rate
Up to 36%
Loan Amount
₹1L - ₹50L
EMI Per Lakh
₹3,613
Processing Fees
Pre-Payment Charges
Interest Rate
Up to 46%
Loan Amount
₹5L - ₹7.5Cr
EMI Per Lakh
₹4,281
Processing Fees
Pre-Payment Charges
--Offering premium lending solutions, Urban Money assists diverse clients via comprehensive business loan services. Bridging the gap between lenders and loan providers, we ensure lightning-fast processing of business loans with minimal documentation and maximum efficacy.
Frequently Asked Questions (FAQs)
What factors do lenders consider when approving a loan?
There are several key factors that lenders consider when deciding whether to sanction a loan or not. One of the primary factors is the credit score of the potential borrower and their credit history. This is to assess the financial history of the customer. Other than that, the borrower's income and employment stability are also considered.
What is the difference between secured and unsecured loans?
The primary difference between an unsecured loan and a secured loan is collateral. In the case of a secured loan, the borrower has to pledge an asset to the lender. This could be their property or their vehicle. This is mainly because the lender can keep the asset in case the borrower fails to repay the loan amount. On the other hand, an unsecured loan does not entail any need for collateral. However, in the case of an unsecured loan, the borrower’s creditworthiness is thoroughly assessed by the lender.
What is the loan term?
The loan term, or loan duration, is a crucial part of the loan wherein the borrower is expected to repay the whole borrowed amount. This term is usually defined by the lender on the basis of the customer’s creditworthiness and borrowing history.
Can I prepay or pay off the loan early?
Yes, you can repay the loan amount early as part of the prepayment policies defined by banks. However, one must review their loan agreement as there might be prepayment penalties involved. These vary from bank to bank.
How does loan refinancing work?
Refinancing a loan is a great way to reduce the interest rates on an existing debt. With refinancing, a borrower can avail of the benefit of a new loan that will help them pay their existing debt and continue with a reduced monthly installment payment.
Can I get a loan without a steady income?
Yes, there are provisions for availing of a loan without any steady income or documents. Various financial institutions offer these benefits to their customers on the basis of a pre-approved financing. Borrowers can check out the best possible interest rates and other policies from various lenders and decide on the bank that suits their financial capacity.
How does a loan default affect me?
Loan default can affect a borrower's creditworthiness, which can impact their credit score and reliability. In more serious scenarios, the loan defaulters can also face criminal charges and imprisonment. Therefore, it is always best to assess loan repayment capacity and loan eligibility before applying for one.
