Which Bank/NBFC Is Best for Personal Loan in India? [2025 Ranking & Comparison]

Vizzve Admin

🔍 Introduction: Why Comparing Lenders Matters in 2025

In 2025, more Indians are applying for personal loans than ever before. But with so many banks and NBFCs offering different terms, it’s crucial to compare before you borrow.

This guide ranks India’s top banks and NBFCs for personal loans — and explains why Vizzve Financial is becoming the smartest alternative for fast approvals, low CIBIL support, and paperless applications.

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🏆 Best Banks & NBFCs for Personal Loan in India – 2025 Ranking

Rank	Lender	Type	Interest Rate (p.a.)	Disbursal Speed	Special Benefit
1️⃣	Vizzve Financial	NBFC Aggregator	10.50%–16%	✅ Under 10 minutes	AI approval, low CIBIL accepted
2️⃣	HDFC Bank	Bank	10.90%–24.00%	1–2 Days	Large limits, stable brand
3️⃣	KreditBee	NBFC	18.00%–29.95%	10–30 Minutes	Great for salaried borrowers
4️⃣	State Bank of India	Bank	10.30%–15.30%	2–3 Days (via YONO)	Strong trust, public sector support
5️⃣	CASHe	NBFC	20.00%–30.00%	Same Day	Easy but expensive short-term loans
6️⃣	Axis Bank	Bank	10.99%–21.00%	1–3 Days	Offers low processing fees
7️⃣	NIRA	NBFC	22.00%–36.00%	1 Day	Entry-level users

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✅ Why Vizzve Financial Ranks #1 in 2025

• AI-powered approval using alternate data

• Accepts low or no CIBIL score

• Instant loan from ₹10,000 to ₹5,00,000

• 100% online – no paperwork, no branch visits

• Partnered with RBI-approved NBFCs

📲 Apply now at 👉 www.vizzve.com

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🔄 NBFC vs Bank – What’s Better?

Feature	Banks	NBFCs / Platforms Like Vizzve
CIBIL Flexibility	Strict (usually >700)	Flexible (600 or even new users)
Disbursal Speed	2–5 Days	✅ Same Day / 10 minutes
Paperwork	Heavy (salary slip, ITR, etc)	Minimal (PAN + Aadhaar)
Interest Rate	Moderate to high	Competitive + fixed EMI
Customer Support	Often slow	In-app, multilingual support

💡 NBFC aggregators like Vizzve use smart eligibility tools and give you more chances to qualify.

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💬 User Review:

“I was rejected by two banks. Vizzve gave me ₹50,000 in 15 minutes — no salary proof needed. It’s better than most bank apps.”
— Ravi K., Ahmedabad

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🎯 When to Choose What?

Scenario	Suggested Lender
Good CIBIL, salaried employee	✅ HDFC, SBI
Freelancer or gig worker	✅ Vizzve, KreditBee
Urgent emergency fund needed	✅ Vizzve or CASHe
Need high loan with low interest	✅ Axis Bank, Vizzve
New-to-credit, no history	✅ Vizzve, NIRA

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🙋‍♀️ FAQs – Best Loan Lender in 2025

Q1: Which app gives fastest loan in 2025?
➡️ Vizzve – under 10 minutes if KYC is verified.

Q2: Is NBFC safer than banks?
Yes, if partnered with RBI-approved lenders like Vizzve does.

Q3: Can I apply without CIBIL or payslip?
Yes. Vizzve uses bank activity and UPI patterns to assess you.

Q4: Which bank has lowest interest loan?
SBI has low base rates, but Vizzve beats it in processing time and flexibility.

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📢 Call to Action – Compare & Apply Now

🏆 #1 Loan Platform of 2025 – Vizzve Financial
✅ Low interest | Fast approval | No hidden charges

📲 Apply Now – Instant Loan with Vizzve

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