You can start the process of applying for a Personal Loan in any of the following ways:

• Compare offers from different banks
• Check your eligibility basis the income and current loans being serviced
• Apply online with multiple banks, to assess the best & competitive loan offers

Among the multiple factors that a Bank considers in determining Personal Loan eligibility are:

• Income of applicants.
• Age of the primary applicant
• Number of dependents that the applicants have to support.
• Assets and liabilities of the applicants
• Stability and continuity of the primary applicant's occupation.

Yes! You can avail of a Personal Loan for any of the following:

• Construction of a home.
• Home repairs.
• Home improvements.
• Home extension

Offers of Fixed and Floating rates as explained below:

• Fixed Personal Loan rates: The rate of interest applicable for the Personal Loan is fixed throughout the term of repayment of Loan.
• Floating Personal Loan rates: The rate of interest applicable for the Personal Loan changes with change in the Bank's Base rate.