50+ banks compared in real time. ARIA tells you exactly which bank will approve your loan, at what rate, with which documents. Zero CIBIL impact.
Updated monthly. ARIA tells you which rate applies to your profile — not just the lowest advertised rate.
| Bank / NBFC | Starting Rate | Max Amount | Min CIBIL | Processing Fee | Disbursal | Type | Best For |
|---|---|---|---|---|---|---|---|
| SBI 🧠 ARIA Pick | 8.40% | ₹20 Lakh | 700+ | 0.5–1% | 3–5 days | Bank | Govt & PSU employees |
| HDFC Bank | 10.85% | ₹40 Lakh | 700+ | 0.5–2% | 24–48 hrs | Bank | Private salaried |
| ICICI Bank | 10.75% | ₹5 Crore | 680+ | 0.5–2% | 24–48 hrs | Bank | Corporate employees |
| Axis Bank | 11.25% | ₹40 Lakh | 700+ | 0.5–2% | 3–5 days | Bank | Axis salary account |
| Kotak Mahindra | 10.99% | ₹40 Lakh | 700+ | 0.5–2% | 3–5 days | Bank | High income (₹1L+) |
| IDFC First | 10.75% | ₹40 Lakh | 700+ | 0–2% | 24 hrs | Bank | Salaried, digital-first |
| Bajaj Finserv | 13.00% | ₹35 Lakh | 660+ | 1–3% | 24–48 hrs | NBFC | Self-employed / low CIBIL |
| HDB Financial | 14.00% | ₹20 Lakh | 600+ | 1–3% | 3–5 days | NBFC | Low income proof |
| Tata Capital | 12.00% | ₹35 Lakh | 680+ | 1–2.5% | 2–4 days | NBFC | Flexible for all profiles |
*Rates are indicative starting rates. Actual rate depends on CIBIL score, income, and lender policy. Ask ARIA for your exact rate →
🧠 ARIA tip: Different banks ask for different documents. Before you visit any branch, ask ARIA which exact documents YOUR chosen bank needs — saves 2–3 trips.
ARIA knows which lenders are strongest in each Delhi NCR area.
Most banks require 700+. ICICI Bank approves from 680+. Bajaj Finserv and HDB Financial approve from 660+ but at higher rates (13–16%). If your score is below 650, ARIA will recommend NBFCs and build you a 60-day score improvement plan.
ICICI Bank and HDFC offer up to ₹5 Crore. SBI offers up to ₹20 Lakh. The actual amount depends on your income, existing EMIs, and CIBIL score. ARIA calculates your exact maximum in 2 minutes.
HDFC and ICICI disburse in 24–48 hours for salaried employees with complete documents. Bajaj Finserv in 24 hours. Government bank SBI takes 3–5 working days. ARIA can tell you which bank is fastest for your specific profile.
No. FLOCRED uses a soft inquiry that does not appear on your CIBIL report. Only when you formally apply to a bank does their system run a hard enquiry. ARIA minimises unnecessary hard enquiries by matching you to the lender most likely to approve.
Yes. Bajaj Finserv (660+), HDB Financial (600+), and Tata Capital (680+) approve lower CIBIL profiles at 13–16%. ARIA also builds you a personalised score improvement plan — most borrowers see 40–60 point improvement in 60–90 days.
ARIA matches you to the right bank in 2 minutes. Free. Zero CIBIL impact.