List of Small Finance Bank Personal Loan in 2025

Looking for a quick, flexible, and reliable way to borrow? Small finance bank personal loans are becoming the top choice for salaried and self-employed individuals across India. With competitive rates, digital application processes, and easy eligibility, these banks are making personal finance accessible for everyone.

At My Mudra, we help you compare, choose, and apply for the best personal loan in small finance bank — tailored to your needs, income, and location.

What Is a Small Finance Bank Personal Loan?

A small finance bank personal loan is an unsecured loan offered by specialized banks licensed by the RBI. These banks focus on serving individuals, small businesses, and underserved communities. Their personal loans are designed for quick approvals, minimal paperwork, and flexible repayment — perfect for emergencies, weddings, education, travel, or debt consolidation.

Why Choose a Personal Loan in Small Finance Bank?

• Lower interest rates than many NBFCs and fintech lenders
• Simple eligibility for both salaried and self-employed
• Minimal documentation and fast digital approval
• Flexible loan amounts from ₹20,000 up to ₹20 lakh or more
• Longer tenures (up to 7 years) with easy EMIs
• Personalized service with easy branch access

Top Small Finance Bank Personal Loan Options

Here’s a detailed list of leading banks, their features, and what makes them stand out:

1. Ujjivan Small Finance Bank Personal Loan

• Loan amount: ₹51,000 to ₹3 lakh (micro individual loans)
• Tenure: up to 36 months
• Interest rate: 23.3% to 24.8% p.a.
• Eligibility: Salaried in government/private sector, self-employed, micro-entrepreneurs
• Key features: Quick approval, minimal documents, online application, EMI calculator, micro-loans for small needs
• Apply: Online or at the branch

2. AU Small Finance Bank Personal Loan

• Loan amount: up to ₹10 lakh
• Tenure: 12 to 60 months
• Interest rate: Starts from 10.99% p.a.
• Eligibility: Salaried, self-employed, professionals
• Key features: 100% digital process, instant approval, flexible repayment, pre-approved offers
• Apply: Online portal or AU Bank app

3. Jana Small Finance Bank Personal Loan

• Loan amount: ₹30,000 to ₹1.5 lakh (agri-individual loan)
• Tenure: 12 to 36 months
• Interest rate: 19% to 26% p.a.
• Eligibility: existing and new customers, residing in rural areas for the last two years
• Key features: Fast processing, simple documentation, doorstep service
• Apply: Online or at a branch

4. Utkarsh Small Finance Bank Personal Loan

• Loan amount: ₹1.5 lakh to ₹20 lakh
• Tenure: 12 to 84 months
• Interest rate: 13% to 20% p.a.
• Eligibility: Salaried in government/private/public sector, minimum net income ₹20,000/month
• Key features: Quick approval, easy EMIs, foreclosure allowed, NACH/SI for repayments
• Apply: Online or at select branches

5. Equitas Small Finance Bank Personal Loan

• Loan amount: ₹2 lakh onwards
• Tenure: 12 to 60 months
• Interest rate: 10.49% to 18% p.a.
• Eligibility: Salaried individuals (private, government, PSU)
• Key features: Fully digital process, complimentary critical illness cover, EMI calculator
• Apply: Online application, quick disbursal

6. Capital Small Finance Bank Personal Loan

• Loan amount: Up to ₹2 lakh for salaried, up to ₹1 lakh for self-employed; up to ₹5 lakh for doctors
• Tenure: Up to 36 months
• Interest rate: Profile-based, competitive
• Eligibility: Salaried, self-employed, professionals with regular income
• Key features: Quick approval, minimal documents, flexible use
• Apply: Online or at the branch

Small Finance Bank Personal Loan Interest Rate Quick Comparison

Interest rates and amounts are indicative and may vary by profile, location, and bank policy.

Small Finance Bank Personal Loan Eligibility

While each bank sets its own rules, most require:

• Age: 21–60 years (sometimes up to 65)
• Minimum net monthly income: ₹15,000–₹25,000 (varies by bank)
• Stable job or business with at least 1 year of experience
• Good credit score (650+ preferred)
• Indian resident with valid KYC documents

How to Apply for a Small Finance Bank Personal Loan Online

1. Check eligibility: Use the bank’s website or the My Mudra platform.

2. Fill out the application: Enter your details and upload documents (Aadhaar, PAN, salary slips, bank statements).

3. Get instant approval: Many banks offer digital approval in minutes.

4. Disbursal: Funds are credited to your account, often within 24–48 hours.

Personal Loan in Small Finance Bank for Salaried Individuals

Salaried applicants get special benefits:

• Lower income threshold than private banks
• Faster approvals for government, PSU, and corporate employees
• Pre-approved offers for existing customers
• Flexible repayment and part-prepayment options

Experience Fast, Flexible Personal Loans with My Mudra

At My Mudra, we help you compare and apply for the best small finance bank personal loan with instant eligibility checks, digital paperwork, and expert guidance. Whether you’re salaried or self-employed, get personalized offers, low interest rates, and quick disbursal.
Apply now and get your funds fast — no stress, no hidden charges.

Also Read:
- Personal Loan Interest Rates (2025): Starting @ 9.99%
- Why Choose a Personal Loan to Buy a Car in India?