Lenders with online applications: India 2026 (7)

Lenders with online applications from our ranking (India), in Score order. New customers can apply online. An application is not an approval, so check the rate and full cost in the offer you receive.

Personal loans in India 2026: RBI-listed banks ranked

  1. 1

    Punjab National Bank (loans)

    82/100
    Licensed since
    1895
    Licensed by the regulator
    Yes
    Published rate, % of country reference
    105%
    • Long licence history
    • Licence confirmed by the official list or a stated licence number
    • Fees or full loan terms are readable without login
    • Publishes how to complain
  2. 2

    ICICI Bank (loans)

    80/100
    Licensed since
    1994
    Licensed by the regulator
    Yes
    Published rate, % of country reference
    100%
    • Long licence history
    • Licence confirmed by the official list or a stated licence number
    • Fees or full loan terms are readable without login
    • Publishes how to complain
  3. 3

    Indian Bank (loans)

    78/100
    Licensed since
    1907
    Licensed by the regulator
    Yes
    Published rate, % of country reference
    99%
    • Long licence history
    • Licence confirmed by the official list or a stated licence number
    • Fees or full loan terms are readable without login
    • Publishes how to complain
  4. 4

    Axis Bank (loans)

    78/100
    Licensed since
    1994
    Licensed by the regulator
    Yes
    Published rate, % of country reference
    100%
    • Long licence history
    • Licence confirmed by the official list or a stated licence number
    • Fees or full loan terms are readable without login
    • Publishes how to complain
  5. 5

    IDFC FIRST Bank (loans)

    78/100
    Licensed since
    2015
    Licensed by the regulator
    Yes
    Published rate, % of country reference
    100%
    • Licence confirmed by the official list or a stated licence number
    • Fees or full loan terms are readable without login
    • Publishes how to complain
    • No arrangement fee in the standard terms
  6. 6

    IndusInd Bank (loans)

    77/100
    Licensed since
    1994
    Licensed by the regulator
    Yes
    Published rate, % of country reference
    105%
    • Long licence history
    • Licence confirmed by the official list or a stated licence number
    • Fees or full loan terms are readable without login
    • Publishes how to complain
  7. 8

    Kotak Mahindra Bank (loans)

    74/100
    Licensed since
    2003
    Licensed by the regulator
    Yes
    Published rate, % of country reference
    110%
    • Licence confirmed by the official list or a stated licence number
    • Fees or full loan terms are readable without login
    • Publishes how to complain
    • New customers can apply online