The goal in obtaining a loan isn’t only to be approved, but also to find the lowest possible interest rate. As we step into December 2025, many banks in India have updated their lending rates for personal loans, making it the right time to compare and choose wisely.
To make this easier, QuickCashs has analyzed major banks and compiled a clear, reader-friendly list of the Top 7 banks offering competitive interest rates this month.
1. HDFC Bank
Interest Rate: Starting from 10.75% p.a.
Why it’s good:
- Quick approvals and 100% digital processing
- Flexible tenure up to 5 years
- Best suited for salaried applicants
Who should choose it?
People who want instant funds with minimal hassle.
2. SBI (State Bank of India)
Interest Rate: Starting from 11.00% p.a.
Why it’s good:
- Transparent charges
- Best for government employees
- Low processing fees compared to private banks
Who should choose it?
Borrowers who want reliability and low-cost EMIs.
Also Read: 1 Lakh Personal Loan EMI for 5 Years
3. ICICI Bank
Interest Rate: From 10.99% p.a.
Why it’s good:
- Smooth online approval
- Good for people with a steady salary
- Loan top-up options available
Who should choose it?
Salaried individuals want a fast personal loan with strong customer support.
4. Axis Bank
Interest Rate: From 11.49% p.a.
Why it’s good:
- Simple eligibility
- Fast digital KYC
- Attractive offers for long-term customers
Who should choose it?
People who prefer same-day money in their bank account.
5. Kotak Mahindra Bank
Interest Rate: Starting at 10.99% p.a.
Why it’s good:
- Lower EMIs for long tenure
- Quick approval for salaried and self-employed
- Useful for medical and personal emergencies
Who should choose it?
Anyone looking for flexible repayment and lighter EMIs.
6. IndusInd Bank
Interest Rate: From 11.00% p.a.
Why it’s good:
- Fully digital process
- Higher loan amounts available
- No hidden charges
Who should choose it?
People who want transparency and instant disbursal.
7. Yes Bank
Interest Rate: Starts at 11.25% p.a.
Why it’s good:
- Friendly to people with limited credit history
- Quick verification
- Low processing time
Who should choose it?
First-time borrowers who want easy approval.
Top 7 Banks – Updated Personal Loan Interest Rates (December 2025)
| Bank Name | Interest Rate (p.a.) | Processing Fee | Best For |
|---|---|---|---|
| HDFC Bank | 10.75% – 17.50% | Up to 2.5% | Fast approvals & salaried borrowers |
| SBI | 11.00% – 15.85% | ₹1,000 – ₹3,000 | Government & PSU employees |
| ICICI Bank | 10.99% – 18.00% | Up to 2.5% | Quick online loans |
| Axis Bank | 11.49% – 19.00% | Up to 2% | Same-day disbursal |
| Kotak Mahindra Bank | 10.99% – 17.99% | Up to 3% | Low EMI plans |
| IndusInd Bank | 11.00% – 20.00% | Up to 2.5% | Instant, paperless loans |
| Yes Bank | 11.25% – 20.50% | Up to 2% | First-time borrowers |
How QuickCashs Help You Choose the Right Bank
Choosing the right bank can be confusing, as different rates, terms, and eligibility criteria apply. QuickCashs solves this by:
✔ Comparing multiple banks instantly
✔ Showing the best interest rates based on your profile
✔ Helping you apply online with minimal documents
✔ Ensuring 100% secure Aadhaar-based verification
Whether you’re planning a personal loan, small Aadhaar loan, or emergency funds, we match you with the best bank at the lowest rate.
Also Read: Tata Neu Personal Loan Apply
Conclusion
December 2025 comes with updated loan rates and new offers from many banks. If you’re thinking of taking a loan, this is the right time to check interest rates carefully and choose a bank that fits your income, repayment capacity, and requirements.
With QuickCashs, the process is easy, quick, and safe, enabling you to borrow responsibly.
