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Get ₹40 Lakh @9.99% in Delhi – Instant!
No Collateral • 100% Online • Quick Funds in NCR
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Compare 30+ Banks & NBFCs like HDFC, Axis, Bajaj in Delhi NCR
4.9/5 Rating by 1,500+ Delhi Customers | Trusted Partners: 500+ Lenders Across Delhi NCR
As of November 18, 2025, Delhi borrowers with 750+ CIBIL get rates from 9.99% p.a. via HDFC & Axis. Zero prepayment on floating rates up to ₹50 Lakh (RBI rule).
A personal loan in Delhi is an unsecured loan for urgent needs like weddings, medical emergencies, travel, education, or debt consolidation in the capital. No collateral required, flexible tenures up to 7 years, and instant online approval. In 2025, with digital KYC, get funds in your account within 24-48 hours from top banks in Delhi NCR.
With RBI's digital lending push, 75%+ loans in Delhi are paperless. Average rate: 10.5% p.a., saving ₹50,000+ in interest vs. 2024.
For Delhi needs – wedding, medical, travel
Lowest for 750+ CIBIL in Delhi NCR
2 hours digital process in Delhi
Easy EMIs for Delhi residents
Trusted by 1M+ Delhi Users | Partners: HDFC, Axis, Bajaj & 30+ More
Updated November 18, 2025. Rates vary by profile; Delhi NCR gets competitive offers.
| Bank/NBFC | Delhi Rate (p.a.) | Loan Amount (₹) | Tenure | Processing Fee |
|---|---|---|---|---|
| HDFC Bank Delhi | 9.99% - 14.50% | Up to 40 Lakh | 1-6 Years | 0.5%-2.5% + GST |
| Axis Bank Delhi | 9.99% - 17.15% | Up to 40 Lakh | 1-5 Years | Up to 2% + GST |
| ICICI Bank Delhi | 10.50% - 15.00% | Up to 25 Lakh | 1-6 Years | 0.75%-2.25% + GST |
| Bajaj Finserv Delhi | 10.00% - 16.00% | Up to 55 Lakh | 1-8 Years | 1%-3% + GST |
| IDFC First Delhi | 9.99% - 18.00% | Up to 10 Lakh | 1-5 Years | Up to 2% + GST |
| Tata Capital Delhi | 10.99% - 29.99% | Up to 35 Lakh | 1-6 Years | 1%-2% + GST |
Salaried & self-employed eligible. Higher income/CIBIL = better rates in Delhi.
| Criteria | Salaried (Delhi) | Self-Employed (Delhi) |
|---|---|---|
| Age | 21-60 Years | 23-65 Years |
| Min Income | ₹25,000/month | ₹3 Lakh/year |
| CIBIL Score | 700+ (750+ for low rates) | 680+ (750+ preferred) |
| Experience | 1+ Year | 2+ Years Business |
| Loan Amount | ₹50K - ₹40 Lakh | ₹50K - ₹50 Lakh |
Upload digitally via e-KYC – no hard copies for most lenders in Delhi NCR 2025.
Enter name, mobile, income, loan amount & Delhi area.
e-KYC verification – Aadhaar/PAN in seconds for Delhi.
Instant eligibility check from 30+ lenders in NCR.
e-Sign digitally – no branch visit in Delhi.
Money in bank account in 24-48 hours in Delhi NCR.
Calculate your monthly EMI instantly. Example: ₹5 Lakh @10.5% for 5 years = ₹10,917/month in Delhi.
For any need – up to ₹40 Lakh, 9.99%+ rates in NCR.
For existing customers – instant offers via SMS/app in Delhi.
Extra funds on existing loan – low docs, zero fees in Gurgaon.
Shift to lower rate – save up to ₹50K interest in Noida.
Purpose-specific – flexible terms for emergencies in Ghaziabad.
Short-term, no credit check – for shopping in Faridabad.
No hidden costs – compare below. Prepayment nil after 12 months on floating rates (RBI 2025 rule).
| Charge | Range (Delhi) | Details |
|---|---|---|
| Processing Fee | 0%-4% + GST | One-time on loan amount |
| Prepayment | Nil-2% | After 6-12 months; nil for floating |
| Foreclosure | 2%-4% + GST | Full repayment before tenure |
| Late Payment | ₹500-1,500 | Per missed EMI |
| Bounce Charge | ₹500 | Per bounced cheque/ECS |
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