Bajaj Finance Personal Loan vs HDFC Bank Insta Loan on Credit Card vs Poonawalla Fincorp Compared
Which loan suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero.
| Feature |  Bajaj Finance Personal LoanBajaj Finserv |  HDFC Bank Insta Loan on Credit CardHDFC Bank |  Poonawalla Fincorp |
|---|---|---|---|
| Loan identity | |||
| Loan typesame | Personal | Personal | Personal |
| Rate type | Fixed | Fixed | - |
| Interest and amount | |||
| Interest rate from | 10% | 10.88% | 9.99% |
| Interest rate to | 30.5% | - | - |
| Minimum amount | ₹40,000 | - | ₹1,00,000 |
| Maximum amount | ₹55,00,000 | ₹15,00,000 | ₹50,00,000 |
| Minimum tenure | 1 year | 3 months | 1 year |
| Maximum tenure | 9 years | 5 years | 7 years |
| Fees and charges | |||
| Processing fee | Up to 4.13% (incl. taxes) | Up to Rs 1,999 + GST (flat) | Up to 4% + taxes |
| Prepayment charges | Full prepayment up to 4.72% (incl. taxes); part-prepayment free | Pre-closure 3% of outstanding principal + GST | Nil from own funds; 4% if repaid from another loan |
| Late payment charges | Penal charge up to 36% a year on the overdue instalment; bounce Rs 700 to Rs 1,200 | - | 24% a year on the overdue EMI; bounce Rs 500 |
| Eligibility | |||
| Min monthly salary | ₹35,000 | - | ₹25,000 |
| Min age | 21 years | - | 21 years |
| Max age at maturity | 80 years | - | 60 years |
| Employment type | Both | - | Salaried |
| Min credit score | 720 | - | 720 |
| Page content | |||
| Eligibility | Indian citizen, age 21 to 80 (80 or younger at the end of the loan). Salaried or self-employed, working for a public sector, private or multinational company. CIBIL score 650 or higher. | Select HDFC Bank credit card holders only (the offer is pre-approved by the bank). The loan must fit within the available credit limit on the card; the loan amount is blocked on that limit and the cash limit becomes zero. | Indian, age 21 to 60, working full time at a government body, PSU, MNC or private or public limited company, earning at least Rs 25,000 a month. |
| Documents needed | KYC (Aadhaar, passport, voter ID, driving licence, NPR letter or NREGA job card), PAN card, employee ID card, salary slips for the last 3 months, bank statements for the last 3 months. | None. You need your registered mobile number and the last 4 digits of your HDFC Bank credit card. | KYC and address proof, salary slips for the last 3 months, bank statement for the last 3 months, and office email or ID card. |
| Apply | Apply Now | Apply Now | Apply Now |
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