Personal Loan:

After a lifetime of working and raising families, you deserve a good retirement period

Home Tree Personal Loans are easy-to-get, quick and convenient. You can use a Any Bank personal loan for a variety of purposes, including travel, wedding expenses, home renovation, in a medical emergency or to buy a gadget. India’s No 1 Bank*, provides personal loans with hassle-free documentation and superfast disbursals. Pre-approved customers can get loan disbursed in 10 seconds flat. Other customers can get money in just 4 hours.^Besides speedy and transparent processing, the Bank offers a host of other benefits on its personal loans including flexible tenures and competitive interest rates. These unmatched benefits make our products among the best personal loans in India.*Based on Retail Loan book size (excluding mortgages). Source: Annual Reports as on 31st March, 2017

Stay Protected

Personal Accident Cover : For a nominal premium* you can avail of Personal Accident cover of up to Rs. 8 lakhs, and Critical Illness cover of up to Rs. 1 lakh. The premium for these policies will be deducted from the loan amount at disbursal. Applicable taxes and surcharge/cess will be charged extra.

Personal Loan Security:

Secure your personal loan with Sarv Suraksha Pro,
key benefits includes:

  • Credit Shield Cover equal to the outstanding loan amount
  • Accidental Hospitalisation cover of up to Rs. 8 lakhs*
  • Accidental Death/Permanent Disablement cover of up to Rs. 1 lakh*

*Terms and conditions of the insurers shall apply.

Fulfil Your Every Need

No matter what your needs, Bank can customise a Personal Loan for you. Existing Any Bank account holders can avail of our special offers, interest rates and charges. First-time Loan customers can also avail of a host of benefits.

Transfer Loan Balance with Ease

Transfer your existing Personal Loan to Any Bank. Enjoy lower EMI’s and SAVE on your interest payments

  • Interest rates as low as 11.39%* on the existing loan transfer
  • Flat processing fee of only Rs. 1999*
  • To transfer your loan balance, apply now.

Quick Eligibility Check & Disbursal

Check your Personal Loan eligibility online or at select branches in just 60 seconds. Once all your papers are submitted, the loan will be disbursed in just one working day.

Convenient Borrowing

For any help with your loan, you can reach out to us via SMS, Webchat, Click2Talk and PhoneBanking.

*Terms and conditions apply. Loan at sole discretion. Subject to documentation and verification as per Banks requirement.

The following people are eligible to apply for a Personal Loan:

  • Salaried doctors, CAs, employees of private limited companies, employees from public sector undertakings, including central, state and local bodies
  • Individuals between 21 and 60 years of age
  • Individuals who have had a job for at least 2 years, with a minimum of 1 year with the current employer
  • Those who earn a minimum of Rs. 15,000 net income per month (Rs. 20,000 in Mumbai, Delhi, Bengaluru, Chennai, Hyderabad, Pune, Kolkata, Ahmedabad, Cochin)

Enclosed below are Personal Loan Interest Rates & Charges

Fee Amount to be Paid
Rack interest rate Salaried - 15.00% TO 20.99 %
Loan processing charges Up to 2.50% of the loan amount subject to a minimum of Rs. 1,999/- & Maximum of Rs. 25000/- for Salaried Customers.
Prepayment in Part or full
(Refer FAQ section for detailed terms)
Salaried - No pre-payment in part or full permitted until repayment of 12 EMIs

Part Payment allowed up to 25% of Principal Outstanding. It is allowed only once in a financial year and twice during Loan tenure.
Pre-payment charges
(on PrincipalOutstanding) /

Part Payment Charges
[on Part Payment amount]
Salaried - 13-24 Months - 4% of Principal Outstanding,
25-36 Months - 3% of Principal Outstanding
>36 Months - 2% of Principal Outstanding
No Due Certificate/No Objection Certificate (NOC) NIL
Duplicate of No Dues Certificate/NOC NIL
Solvency Certificate Not applicable
Charges for late payment of EMI 2% per month on EMI / Principal overdue subject to the a minimum amount of Rs. 200/-
floating rate Not applicable
Charges for changing from floating to fixed rate of interest Not applicable
Stamp duty & other statutory charges As per applicable laws of the state
Credit assessment charges Not applicable
Non standard repayment charges Not applicable
Cheque swapping charges Rs 500/-
Amortization Schedule charges Rs 200/-
Loan cancellation charges NIL (However client would be charged interest for the interim period between date of loan disbursement and loan cancellation and processing fees would be retained.)
Cheque bounce charges Rs. 550/- per cheque bounce
Legal/incidental charges At actual

Rates offered to customer during the period of April 2018 - to June 2018.

IRR Q I (2018-19)
Min IRR 10.90%
Max IRR 21.27%
Avg IRR 13.04%

Annual Percentage Rate offered to customer during the period of April 2018 - to June 2018.

APR Q I (2018-19)
Min APR 10.91%
Max APR 25.26%
Avg APR 13.26%

*Government Taxes and other levies as applicable will be charged over and above the Fees and Charges

The following documents are required along with your Personal Loan application:

  • Identity proof (copy of passport/voter ID card/driving license/Aadhaar)
  • Address proof (copy of passport/voter ID card/driving license/Aadhaar)
  • Bank statement of previous 3 months (Passbook of previous 6 months
  • Latest salary slip/current dated salary certificate with the latest Form 16
Apply Now