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Best Personal Loans by Employment Type — August 2026

Lenders named across our self-employed, salaried, student, pensioner and government-employee personal loan pages.

Data checked 21 August 2026 · Methodology · sort: verified entity first ↑ (never a hidden commission order)
01
Airtel Finance
Marketplace — loans via named partner NBFCs: Bajaj Finance Limited, DMI Finance Private Limited, Poonawalla Fincorp Limited, L&T Finance Limited, Kisetsu Saison Finance (India) Private Limited (t/a Credit Saison India), Moneyview Pvt Ltd, EarlySalary Services Private Limited (t/a Fibe), and Airtel Money Limited
AmountPersonal Loan (Flexi Credit): marketed 'up to ₹1000000 Instant Loan' (site also references up to ₹9-10 lakh range)
Tenure—
APR'Interest @ 12.75% p.a.' shown as a starting/from rate; actual rate varies by matched partner lender
Apply now →
VerifiedMarketplace — loans via named partner NBFCs: Bajaj Finance Limited, DMI Finance Private Limited, Poonawalla Fincorp Limited, L&T Finance Limited, Kisetsu Saison Finance (India) Private Limited (t/a Credit Saison India), Moneyview Pvt Ltd, EarlySalary Services Private Limited (t/a Fibe), and Airtel Money LimitedKFS: availableLast checked: 2026-08-21View source →
Named on 11 of 28 pages in this group
02
CASHe
Bhanix Finance and Investment Limited
Amount₹15,000 to ₹3,00,000
Tenure3 to 18 months
APR—
Apply now →
VerifiedBhanix Finance and Investment LimitedKFS: not-foundLast checked: 2026-08-21View source →
Named on 4 of 28 pages in this group
03
DMI Finance
DMI Finance Private Limited
AmountPersonal Loan up to ₹10,00,000
Tenure—
APR11.99% onwards
Apply now →
VerifiedDMI Finance Private LimitedKFS: not-foundLast checked: 2026-08-21View source →
Named on 14 of 28 pages in this group
04
Hero FinCorp
Hero FinCorp Limited
Amount₹50,000 to ₹7 lakh
Tenure12 to 36 months
APRStarting from 18% p.a.; range stated as Min 18% Max 30%
Apply now →
VerifiedHero FinCorp LimitedKFS: availableLast checked: 2026-08-21View source →
Named on 3 of 28 pages in this group
05
Home Credit India
Home Credit India Finance Private Limited
Amount₹10,000 to ₹4.8 Lakhs (₹4,80,000)
Tenure12 to 60 months
APR21% to 39.5%
Apply now →
VerifiedHome Credit India Finance Private LimitedKFS: not-foundLast checked: 2026-08-21View source →
Named on 6 of 28 pages in this group
06
IIFL Finance
IIFL Finance Limited
Amount₹5,000 to ₹5,00,000
Tenure3 months to 42 months
APR12.75%–44% p.a. per main text; a separate rates section lists '12%–28% (Fixed)' — figures conflict.
Apply now →
VerifiedIIFL Finance LimitedKFS: not-foundLast checked: 2026-08-21View source →
Named on 1 of 28 pages in this group
07
Kissht
Si Creva Capital Services Private Limited
AmountUp to ₹5,00,000
Tenure6 to 60 months
APRStarting from 1% per month
Apply now →
VerifiedSi Creva Capital Services Private LimitedKFS: availableLast checked: 2026-08-21View source →
Named on 9 of 28 pages in this group
08
LazyPay
PayU Finance India Private Limited
Amount—
Tenure—
APR—
Apply now →
VerifiedPayU Finance India Private LimitedKFS: not-foundLast checked: 2026-08-21View source →
Named on 1 of 28 pages in this group
09
Money View
Multi-lender marketplace — 15+ named partner NBFCs/banks (e.g. Clix Capital, DMI Finance, Northern Arc, SMFG India Credit, Piramal Finance, Vivriti Capital, Aditya Birla Capital, Credit Saison, Cholamandalam Investment & Finance, Oxyzo, South Indian Bank, PayU Finance, Wizdm Finance, BharatPe, Grow Money Capital)
Amount₹5,000 to ₹10,00,000
Tenure3 to 60 months (5 years)
APRStarting from 1.16% per month (14% annually*)
Apply now →
VerifiedMulti-lender marketplace — 15+ named partner NBFCs/banks (e.g. Clix Capital, DMI Finance, Northern Arc, SMFG India Credit, Piramal Finance, Vivriti Capital, Aditya Birla Capital, Credit Saison, Cholamandalam Investment & Finance, Oxyzo, South Indian Bank, PayU Finance, Wizdm Finance, BharatPe, Grow Money Capital)KFS: not-foundLast checked: 2026-08-21View source →
Named on 2 of 28 pages in this group
10
Poonawalla Fincorp
Poonawalla Fincorp Limited
Amount₹1 Lakh to ₹50 Lakh
Tenure12–84 months
APRStarting at 9.99% p.a.
Apply now →
VerifiedPoonawalla Fincorp LimitedKFS: not-foundLast checked: 2026-08-21View source →
Named on 3 of 28 pages in this group
11
Shriram Finance
Shriram Finance Limited
AmountUp to ₹10,00,000
Tenure12 to 60 months
APRStarting at 11%* p.a.
Apply now →
VerifiedShriram Finance LimitedKFS: not-foundLast checked: 2026-08-21View source →
Named on 12 of 28 pages in this group
12
Stashfin
Akara Capital Advisors Private Limited
AmountUp to ₹5,00,000
Tenure3–48 months
APR"0% for up to 30 days. 0%–39% rates applicable after the interest-free period"; APR range separately cited as 10%–45%
Apply now →
VerifiedAkara Capital Advisors Private LimitedKFS: not-foundLast checked: 2026-08-21View source →
Named on 13 of 28 pages in this group
13
TrustPaisa
Thanvir Bros Pvt Ltd and Sonu Marketing Pvt Ltd (named RBI-registered NBFC lending partners); platform operated by Flexidigital Tech India Pvt Ltd
Amount₹3,000 – ₹45,000
Tenure91 – 365 days
APRUp to 36% p.a.
Apply now →
VerifiedThanvir Bros Pvt Ltd and Sonu Marketing Pvt Ltd (named RBI-registered NBFC lending partners); platform operated by Flexidigital Tech India Pvt LtdKFS: not-foundLast checked: 2026-08-21View source →
Named on 4 of 28 pages in this group
14
Aditya Birla Capital
Aditya Birla Finance Limited
AmountMinimum personal loan amount is about Rs 50,000, while the maximum is up to ₹50 lakhs.
TenureTenure 1 to 7 Years (per EMI calculator tool)
APRIndicative range of Rate of Interest: 10% p.a. to 28% p.a.; also stated: Personal Loan Starting at 10.99%* p.a.
Apply now →
Relationship unclearAditya Birla Finance LimitedKFS: not-foundLast checked: 2026-08-21View source →
Named on 2 of 28 pages in this group
15
Paytm
Platform — loans via partner lenders
Amount₹5,000 to ₹15,00,000
Tenure3 to 84 months (FAQ elsewhere cites 3–60 months)
APRStarting from 9% p.a. (reducing balance); EMI calculator cites a range of 10.99%–36%
Apply now →
Relationship unclearPlatform — loans via partner lendersKFS: not-foundLast checked: 2026-08-21View source →
Named on 2 of 28 pages in this group
16
Bajaj Finserv
Bajaj Finance Limited
Amount—
Tenure—
APR—
Apply now →
Not disclosedBajaj Finance LimitedKFS: not-foundLast checked: 2026-08-21View source →
Named on 13 of 28 pages in this group
17
HDB Financial Services
HDB Financial Services Limited
Amount—
Tenure—
APR—
Apply now →
Not disclosedHDB Financial Services LimitedKFS: not-foundLast checked: 2026-08-21View source →
Named on 6 of 28 pages in this group
18
Mahindra Finance
Mahindra & Mahindra Financial Services Limited
Amount—
Tenure—
APR—
Apply now →
Not disclosedMahindra & Mahindra Financial Services LimitedKFS: not-foundLast checked: 2026-08-21View source →
Named on 2 of 28 pages in this group
19
Navi
Navi Finserv Limited
Amount—
Tenure—
APR—
Apply now →
Not disclosedNavi Finserv LimitedKFS: not-foundLast checked: 2026-08-21View source →
Named on 9 of 28 pages in this group
20
SMFG India Credit
SMFG India Credit Company Limited
Amount—
Tenure—
APR—
Apply now →
Not disclosedSMFG India Credit Company LimitedKFS: not-foundLast checked: 2026-08-21View source →
Named on 17 of 28 pages in this group
21
Tata Capital
Tata Capital Limited
Amount—
Tenure—
APR—
Apply now →
Not disclosedTata Capital LimitedKFS: not-foundLast checked: 2026-08-21View source →
Named on 14 of 28 pages in this group

Amount, tenure and APR are shown only where we have independently verified the figure from the lender's own source — where we don't, you see "—" rather than a marketing number. Commercial partnerships never change the order above.

Side-by-side comparison

Tick "Compare" on up to three lenders above to see them side by side.

Loan pages behind this ranking28 pages

Personal Loan for Self EmployedPersonal Loan for Salaried EmployeesPersonal Loan for WomenInstant 10000 Loan for StudentsPersonal Loan for SalariedPersonal Loan StudentsLoan App for StudentsPersonal Loan App for StudentsDmi Finance Personal Loan for Self EmployedInstant Personal Loan for Students in IndiaPersonal Loan for Government EmployeesDoctor LoanSbi Personal Loan for PensionersHow Pensioners Can Get A Personal LoanLoans for Self Employed ProfessionalsInstant Personal Loan for Reliance EmployeesPersonal Loan for StudentsPersonal Loan for DoctorsPersonal Loan for Salaried Medical Professionals in IndiaPersonal Loan for Working WomenInstant Personal Loan for WomenLoan for PensionersPersonal Loan for Flipkart EmployeesPersonal Loan for Salaried PersonLoan for Self EmployedInstant Personal Loan for Self EmployedInstant Personal Loan for Salaried EmployeeCan A Self Employed Person Get A Personal Loan

How we rank by employment type

This list is the union of every lender named across 28 RupeeRahi loan pages in the "By employment type" group, deduplicated by brand. We do not have a verified total-cost figure for most lenders yet, so we cannot honestly rank by cost. Instead we rank by evidence: lenders whose regulated entity is verified from an official source come first, then everyone else, alphabetically within each group.

We do not rank by commission, and a commercial relationship with a lender never changes this order or the facts shown next to its name. Full disclosure: how we make money.