Unsecured personal loan
The most common product, offered by SBI, HDFC Bank, ICICI Bank, Axis Bank. Higher rates than secured loans but no collateral required.
The right product for the right need in India
✔ Picking the wrong product can cost you 10%–40% more over the life of the loan.
💡 Most Indian lenders expect your EMI-to-income ratio below 40%–50% of net monthly income.
Revolving line of credit
Flexible for unexpected expenses. Warning: never pay only the minimum — the interest compounds fast.
Traditional credit card
Offered by most banks (SBI, HDFC Bank, ICICI Bank). Ideal for building a credit history when used responsibly.
Secured / deposit card
For profiles with no history or prior rejection. Your deposit becomes your credit limit.
Secured loan (auto, home)
Lower rates in exchange for collateral. Risk: you lose the asset if you default.
Debt consolidation
Bundles several expensive debts into one payment. Verify the blended APR actually drops.
⚠️ Stay away from unregulated loan apps not listed on the RBI's registered NBFC list — they are often predatory.
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