Smart Loan Decisions for Every Indian
Check your eligibility and calculate your EMI — before you walk into any bank.
We'll calculate how much loan you qualify for
take-home after taxes
rent, food, utilities
active loans, if any
Your Eligibility
Max Loan Amount
₹9.41 L
estimated at 10% p.a.
Max Monthly EMI
₹20,000
Disposable Income
₹40,000
Eligible Products
Loan Partner Recommendations
Hand-picked offers across personal, home and business loans. No obligation — share your need and we'll route you to a regulated partner.
Best for salaried professionals
Interest
from 10.49% p.a.
Max Amount
Up to ₹40 L
For self-employed & MSMEs
Interest
from 14.00% p.a.
Max Amount
Up to ₹50 L
* Indicative rates. Final eligibility, interest and fees are decided by the lender. We may earn a referral fee at no extra cost to you.
Decision Tool
Real interest rates and fees — so you know before you apply
| Lender | Type | Interest Rate | Processing Fee | Max Loan | Min Salary | Highlight |
|---|---|---|---|---|---|---|
SBI State Bank of India | PSU Bank | 11.05% – 14.05% | 0% – ₹10,000 | ₹20 L | ₹15,000/mo | Best for Govt. employees |
HDFC HDFC Bank | Private Bank | 10.50% – 24.00% | 0.50% – 1.50% | ₹40 L | ₹25,000/mo | Instant 4-second approval |
ICICI ICICI Bank | Private Bank | 10.65% – 16.00% | 0.50% – 1.50% | ₹50 L | ₹30,000/mo | 100% paperless online |
Bajaj Bajaj Finserv | NBFC | 11.00% – 35.00% | Up to 1% | ₹35 L | ₹25,000/mo | Flexible part-payment |
IDFC IDFC First Bank Recommended | Private Bank | 10.49% – 23.00% | 1.50% – 3.50% | ₹1 Cr | ₹20,000/mo | No foreclosure charges |
State Bank of India
PSU BankInterest
11.05% – 14.05%
Proc. Fee
0% – ₹10,000
Max Loan
₹20 L
Min Salary
₹15,000/mo
Best for Govt. employees
HDFC Bank
Private BankInterest
10.50% – 24.00%
Proc. Fee
0.50% – 1.50%
Max Loan
₹40 L
Min Salary
₹25,000/mo
Instant 4-second approval
ICICI Bank
Private BankInterest
10.65% – 16.00%
Proc. Fee
0.50% – 1.50%
Max Loan
₹50 L
Min Salary
₹30,000/mo
100% paperless online
Bajaj Finserv
NBFCInterest
11.00% – 35.00%
Proc. Fee
Up to 1%
Max Loan
₹35 L
Min Salary
₹25,000/mo
Flexible part-payment
IDFC First Bank
Private BankInterest
10.49% – 23.00%
Proc. Fee
1.50% – 3.50%
Max Loan
₹1 Cr
Min Salary
₹20,000/mo
No foreclosure charges
* Rates are indicative and subject to change. Always verify with the lender directly.
Knowledge Hub
Smart guides to help you make better loan decisions
About
Loan Saathee (also searched as loansaathee, loan sathi, loan sathee, loan sath, idar loan or idar loan app) is a free, instant loan-decision tool for India. We help young Indians answer one simple question — “How much loan can I actually get?” — before they walk into a bank.
Use our loan eligibility calculator and EMI calculator to plan a personal loan, home loan, car loan, business loan or education loan. Results are instant, calculations run locally in your browser, and we don't store any of your data — making Loan Saathee one of the safest instant loan eligibility check tools online.
We are not a loan app and we do not disburse loans ourselves. We only point you to RBI-regulated banks and NBFCs like SBI, HDFC, ICICI, Bajaj Finserv and IDFC First Bank — so you can compare interest rates, processing fees and eligibility transparently. Stay away from unregulated “quick loan” apps; use Loan Saathee first to know your real numbers.