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Personal Loan Interest Rates

Personal Loan Interest Rate in India Aug 2020

Last Updated 10th Aug 2020

6th August 2020 – RBI keeps Repo Rate unchanged at 4%

Lowest Personal Loan Rate 10.50%
Processing Fee Upto 2% of loan amount
Loan Tenure Upto 5 years
Lowest EMI Per Lakh ₹ 2,149 for 5 years
Prepayment Charges Nil to upto 5%

Personal Loan Interest Rates Comparison, Best Personal Loan

Bank Personal Loan Interest Rates Processing Fee
SBI Personal Loan 10.50% 1.00%
HDFC Bank Personal Loan 10.75% Upto 2.50% Min Rs. 1,999
ICICI Bank Personal Loan 10.75% Upto 2.25% of Loan Amount
Bajaj Finserv 12.99% Starting from 1.50%, Up to 3%
Citibank 10.50% Upto 0.5%
IDFC First Bank 10.75% Upto 1.5%
Axis Bank 10.99% Upto 1.75%
Tata Capital 11.25% Upto 2.50% of Loan Amount
Fullerton India 11.99% 2%
IndusInd Bank 11.00% Min 0.75% to Max 1.75%
Kotak Bank 10.75% Upto 2.5%
RBL Bank 13.99% Upto 2%
IIFL 12.99% 1 - 2%
HDB Financial 13.99% Upto 2% of Loan Amount
Andhra Bank 11.55% Case to Case
Yes Bank 10.75% Starting at 0.99%, Upto 2%
Muthoot 14.00% 2.5-3.5%
Standard Chartered Bank 10.99% 1.00%
Bank of Baroda 10.50% 2%, Min Rs. 250
Union Bank of India 11.00% 0.5%, Min Rs. 500
Canara Bank 13.00% 0.50%
Bank of Maharashtra 10.85% 1.00%, Min Rs. 1,000
IDBI Bank 12.00% 1.00%
Allahabad Bank 12.15% 1.06%, Min Rs. 1068
Federal Bank 11.49% 0.5%, Min Rs. 500
Karur Vysya Bank 12.00% 0.40%
Syndicate Bank 13.40% 0.5%, Min Rs. 500
Corporation Bank 12.95% 1.5%, Min Rs. 500
PNB 11.50% 1.8% + Taxes
Indian Overseas Bank 11.50% Rs. 204 Per Lakh
Indian Bank 11.05% 0.5%, Min Rs. 508

Personal Loan

Personal loans are unsecured loans available for both salaried and self-employed professionals to help meet their general personal or private expenses that are urgent and immediate in nature. Unsecured loans are loans without any security that can be availed quickly. The rate of interest on personal loans is higher than that on secured loans. There are multiple personal loan providers in India which offer cheap and quick loans. You need a new loan only if:

  • You are in the midst of a financial crisis and need immediate funds.
  • You do not have a collateral to take a secured loan.
  • You do not have time to go through detailed documentation and loan process.
  • You need a short term loan of not more than five years.

Various Types of Personal Loan Interest Rates

Personal loan interest rates, as known, varies across lender to lender. However, the calculation of personal loan is based on two rate types in general, as listed follows:

Fixed-rate of interests: As per the fixed rate of interests, the rate of interest charged on the loan amount remains constant throughout the loan tenure. Thus, the personal loan EMI also remains the same throughout the repayment schedule.

Floating rate of interest: As per the floating rate of interest, the personal loan rate is not fixed and remains variable. The interest rate, in this case, is linked to the external benchmarks perceived by the lender. Thus, based on these conditions, the interest rates as per this rate type keeps changing with market conditions. Also, since the rate is not fixed, the personal loan EMI may increase or decrease abruptly.

How to Get the Lowest Interest Rate on Personal Loan?

As per the current rates, SBI, Citibank, Bank of Baroda offers the lowest interest rate of 10.50%. You can get best personal loan depending upon the company you are working with, loan amount you have applied for and your repayment capacity. Higher the loan amount, lower will be the rate of interest.

HDFC Bank, Tata Capital, RBL Bank, Citibank, ICICI Bank are the best banks for personal loan, if you are looking for an instant personal loan with in 1-2 days. The interest rates of these banks are in the range of 10.5% to 17.99%. These loans providers offer online lending process. You can get instant personal loan approval from these banks online at MyLoanCare and check eligibility without having to submit paper documents. Post approval, in case you are an existing bank account holder or existing loan customer of HDFC Bank, Tata Capital, RBL Bank, Citibank, ICICI Bank, you may be eligible for instant disbursement without any documents. In other cases, you may upload a few documents on mobile app or submit them physically to a bank loan officer who will visit you at your place before loan disbursement.

To get the lowest personal loan interest rate, read the do’s and don’ts mentioned below.

  • Check best discount and offers for salaried customers – Always check current offers and interest rates offered to employees of large reputed companies.
  • Do not apply for loan amount more than what you are eligible for – Applying for an amount higher than your eligibility may lead to rejection of your loan application. Always check eligibility and your credit t score.
  • Compare personal loan rates based on loan amount – Some banks offer low interest rate at higher loan amount.
  • Do not apply with multiple banks for your personal needs - Simultaneous loan applications get recorded in your CIBIL report and can hurt your chances of getting a loan.
  • Check for tenure based discount – Banks may offer lower rates on personal loan for certain tenure and, if possible, opt for tenures with lower interest rates.
  • Your salary bank may not offer the cheapest personal loan – Various banks keep offering attractive schemes to acquire premium customers. Hence, the offer from your salary bank may not be the best option.

Compare Personal Loan Interest Rates of All Banks

You should do a detailed comparison of personal loan interest rates and charges of all banks before chosing the best bank for personal loan.

  • Interest rates for personal loans: Banks launch attractive schemes with low interest rates on a regular basis, especially for individuals working with large reputed companies. Rate of interest varies based on the categorisation of your company in the internal categories of banks which can vary from bank to bank. Hence, always check for personal loan offers from multiple banks to get the cheapest rates
  • Personal loan processing fees – Most banks charge a processing fees of ₹ 999 to upto 2% of loan amount, whichever is higher. Since these loans are short tenure loans, higher processing fees can result in significantly high cost on loans. Hence, it is important to compare the All Inclusive Rates (AIRs) for personal finance loans to compare and shortlist the top offer. Get detailed comparison on interest rate, processing fees and attractive cash back offers by applying online through MyLoanCare.
  • Insurance premium - Since these are unsecured loans, banks request the borrower to take an insurance policy when availing a loan. However, the premium varies from bank to bank depending upon the risk coverage under various policies. So, check the loan sanction letter carefully to know the coverage and premium. You may also want to do a comparison of various insurance policies to be able to choose a policy which gives you adequate coverage at lowest premium.
  • Personal loan prepayment and foreclosure – Nobody wants to keep paying interest on a loan when you have surplus money available to repay it. Sometimes you may want to repay a part of your loan before time which is called part prepayment. In case you decide to pay the entire loan amount before time, it is called foreclosure. Banks typically levy prepayment or foreclosure charges on personal loans ranging from nil to up to 5%. So, check carefully if the low interest rate personal loan you are getting comes with high prepayment or foreclosure charges. Some banks, might not allow you to prepay your loans before few months and the same needs to be considered while taking a loan.

Benefits of Personal Loan

Benefits of taking a personal loan are : -

  • Unsecured in nature with no requirement of collateral or a security.
  • Fast turnaround with loan approval in as quick as a few hours. Banks now offer instant personal loans as well.
  • Minimum documentation with approval based on basic KYC, quick background checks, CIBIL score and income proofs.

Quick Guide on Personal Loan

  • Purpose: Some of the basic purposes for which this loan is granted include vacation or travel, higher education, wedding, medical treatment, credit card payment and many more. Banks specify the purpose for which they are willing to grant this loan.
  • Key Features:
    • Age of the borrower: Loan available for both salaried and self-employed profesionals within the age group of 21 and 60 years
    • Loan Amount: In the range of ₹ 9,000 to ₹ 75 Lakh.
    • Loan Tenure: Can range from 1 to 72 months.
    • Interest rates: Personal Loan Interest Rates starting from 10.50%.
    • Personal Loan EMI: Lowest EMI of ₹ 2,149 per lakh.
    • Work Experience: Up to 3 years of total experience.
    • Processing Fees: Up to 2% of loan amount.
    • Documents Required: Address Proof, Identity Proof, Income Documents.
    • Special Schemes: Banks offer customized personal loan interest rates and schemes for salaried borrowers working in government, defense, private or MNC companies. Banks offer personal loan to self employed professionals like Doctors, CA, CS, Architects. Top banks has also launched special loan schemes to pensioners up to an age of 76 years.
Watch this video to know the best personal loan for you
Main Video

If you need immediate funds for personal purposes, then you can apply for an unsecured personal loan as they are collateral free and best suited for salaried employees. However, other types of loans that can be considered for personal emergencies are credit cards, loan against securities, loan against FD and gold loan.

How to improve your chances of getting a Personal Finance Loan?

As these loans are mostly unsecured, banks have a pre-decided set of rules (credit policies). Many loan applications get rejected as the borrower do not fulfil the basic set of rules of banks for approval of the personal loan. Hence, the borrower works on improving his or her chances of getting a loan using some simple tips.

  • Calculate your credit score and improve it - Always check and calculate your credit score before applying for loan. Credit bureaus operating in India such as CIBIL, Equifax, Experian and CRIF High Mark usually help in providing personalised credit report within 24 hours of applying. Low credit score implies that there are higher chances of defaulting on loan payments whereas a high score not only increases the chances of getting loan approval but also getting low interest personal loan rates for borrowers. So, it’s necessary to improve your score above 750 to get the loan approved.
  • Identify options for bad credit loans - In case your credit score is less than 750, you might want to wait for a few months and work on improving your credit score. However, if you are not in a position to wait, you should look for NBFCs or banks that provide loan for a lower credit score as well. In such situations you can also take gold loan or loan against fixed deposits which do not take into account your past credit score.
  • Identify the right product for you - You should carefully compare and select the right bank for loan as different banks have different interest rates and eligibility criteria. Always, make a personal loan comparison for interest charges and other loan terms such as tenure, foreclosure charges and other hidden charges before finalising the loan. Approaching banks through online market places may provide you a quick and detailed comparison of key loan offers and help you make the right choice.
  • Avoid multiple loan applications - Sometimes, customers in a hurry to get a loan, apply for a loan with multiple banks to improve their chance of getting a loan on time. However, applying for multiple personal loan applications increases the probability of the loan being rejected as each query gets captured in your credit report and multiple queries can adversely impact your CIBIL score.
  • Try to keep a gap of minimum 6 months between personal loan applications - Most of the banks do not grant a new loan to a borrower who has availed an unsecured personal loan in the last six months. In such cases, banks may doubt that you will not be able to bear the burden of additional EMI payments. There should always be a gap of 6 months between two loan applications.
  • Be honest and provide accurate information - Always be honest by providing accurate details to the bank. This makes the process easy and convenient for both lenders and customers. Lenders verify the information provided by you. They also call to confirm your personal data and if they feel it’s incorrect, they may reject the loan application.
  • Maintain job stability - Lenders require that the customer has at least two years of work experience in a particular job. So, avoid switching jobs if you want to improve your chances of getting a personal loan.
  • Apply for a loan amount based on your repayment capacity - Before applying for loan; determine the loan amount that you will be able to repay in future. Use online eligibility calculators to calculate your loan amount eligibility. Requesting for loan amount higher than your eligibility might increase the chances of rejection of the loan application. Banks also calculate the ratio of fixed expenses to income ratio of a potential borrower to estimate the amount of loan that can be serviced by the potential borrowers. Lower the ratio, higher the chances of loan being approved.

Last, but not the least. Practice a healthy credit discipline regimen to maintain a healthy score and improve the chances of getting a loan. This regimen includes paying EMIs on time (every late payment reduces your credit score), restricting the number of credit cards, reducing the limit usage on credit cards, resort to taking a secured credit, wherever possible and regularly checking your credit report to ensure timely course corrections.
So, follow the above tips to get your loan application being approved easily and reduce the chances of rejection.

Documents Required for Personal Loan

Documents RequiredIndividualsFirms, Partnerships
Signed Application FormRequiredRequired
Identity ProofPAN card, Passport, Driving License, Aadhar Card, Voter id, Govt issued i-cardPAN card, Passport, Driving License, Aadhar Card, Voter id, Govt issued i-card
Certificate and Proof of Business ExistenceNAPAN , sales tax/ excise/ VAT/ service tax registration, Copy of partnership deed, Trade license, certificate of practice, registration certificate issued by RBI, SEBI
Address ProofPassport, Driving License, Election ID card, Electricity/ Telephone/ Mobile bill/ bank statement (not more than 3 months old)Bank statement, utility bill, Registry copy, lease or rent agreement, TAN allotment letter
Age ProofPAN card, Passport, Driving License, Voter id card, Birth certificate, Employee ID card (only for PSU/ Government employees), School/ college leaving certificatePAN card, Passport, Driving License, Voter id card, Birth certificate, Employee ID card (only for PSU/ Government employees), School/ college leaving certificate
Income ProofLast 2 years Form 16, last 6 months salary slip, last 6 months' bank account statement showing salary creditLast 2 years ITR, last 6 months bank account statement
Illustration on Personal Loan
Maximum Annual Percentage Rate (APR)10.50% to 22%
Representative example of the total cost of the loan, including all applicable fees
Here is an illustration of the total cost of the loan:
  • Total amount borrowed: ₹ 1 Lakh
  • Time period: 12 months to 60 months
  • Personal Loan Interest Rate: 10.50% to 22%
  • Processing Fee payable : Upto ₹ 2,000
  • Fee payable to MyLoanCare: NIL
  • Total Monthly Cost – From ₹ 2,149 for a months ₹ 1 Lakh loan at 10.50% (lowest rate, longest time period) to ₹ 9,359 for a 12 months ₹ 1 Lakh loan at 22% (highest rate, shortest time period). This is inclusive of principal repayment.
  • Annual Percentage Rate (APR) of charge including all applicable fees: 10.50% to 22%
  • Total cost payable over loan tenure: ₹ 14,313 for 12 months loan to ₹ 30,963 for 60 months loan

A few leading digital banks in India are providing personal loan even during the Coronavirus lockdown. These banks are accepting application and disbursing loans online for eligible customers. Borrowers can upload documents digitally and get an online approval without breaching the social distancing norm during the COVID'19 outbreak. Personal loan interest rate continues to be at the same level as it was before the lockdown starting @ 10.50%. With RBI repo rate cut of 75 bps, it is expected that the banks may reduce the rate of interest on personal loans going forward.


Which bank is best for personal loan?

SBI, HDFC Bank, ICICI Bank, Citibank, IDFC First Bank, Kotak Bank, Yes Bank, Bank of Baroda are the best banks for taking a personal loan based on their current personal loan rates as they offer interest rate in the range of 10.50% to 10.75%.

What is the current interest rate for personal loans?

The present personal loan interest rates ranges from 10.50% to 22.00%.

Why do I need Personal loan?

This loan is usually taken to meet short term needs. Generally the purpose of this loan is to pay off credit card debts, family vacation, wedding, medical emergency, etc. Personal loan rates are mostly fixed and higher than other loan types. So, loan should be taken only in case of emergencies. Also, you should have a plan that you can make all your repayments on time. If you have a low CIBIL score, then you should not apply in multiple banks for loan as each rejection will drop your CIBIL score.

I want personal loan. How can I get a personal loan?

You can apply in several ways. You can directly visit the bank branch and meet the sales person, contact a loan agent or apply online at any bank or NBFC’s website. You can also compare interest rates of all banks, apply for loan and get personal loans online approval at MyLoanCare. You can also chose to apply for personal loan from private lenders to get best loan offers.

Can I apply personal loan in my hometown?

Yes, you can apply personal loan online in your home town provided you have sufficient income to pay the EMIs on time and have good credit history. You can also compare personal loan offers for different cities at MyLoanCare.

What is the minimum and maximum tenure of personal loan?

These are generally taken for a short period of time. Usually, the loan tenure is between 12 months to 60 months.

What are the charges for personal loan?

In addition to rate of interest, banks charge the following two fees on personal loans.

  • Processing fee: This fees is charged when you apply for a loan. The processing fee can range between 2 – 3% of the loan amount and can be negotiated down, if you bargain. It also helps, if you approach the bank through an online market place like, as we negotiate with the bank on your behalf and also, offer attractive cash backs on sanctioned loans. Sometimes, we also get to offer exclusive loan schemes on behalf of the banks such as nil processing fees for our valued customers.
  • Pre-closure fee: This fees is charged when you decide to close your loan before the completion of loan tenure. Banks imposes this penalty to cover the loss it can incur due to premature closing of a fixed rate loan. Prepayment penalty can range up to 5% of the loan amount. You need to read the terms and conditions of your loan agreement carefully to check on the prepayment clause and ensure that it is not too strict compared to market benchmarks. Banks are also open to revise the prepayment clauses if negotiated and discussed by the borrower or his loan care representative.

What is the CIBIL score for personal loan?

CIBIL score ranges from 300 to 900. A score of 750 and above is considered as good score to get personal loan. Higher the credit score, higher the chances to get loan application approved.

Do I need to open a bank account to service my personal loan?

Yes, you need to have at least one functional bank account in your name. It is even better if you have an account with the same bank from which you would like to get a loan.

Can I apply for personal loan jointly with my spouse?

Yes, you can apply jointly with a co-applicant (either be your spouse or your parents). This helps you to increase your eligibility and you can also avail for a higher amount of loan as your co-applicant’s income also gets added to your income and that total is taken into consideration for calculating the loan amount you will be eligible for.

Does it affect my co-applicant if I default in personal loan?

Yes, if you fail to pay the loan on time then it will also affect your co-applicant as default in loan will affect his/her CIBIL rating as well.

What are the main factors that affect interest rate of personal loan?

As these are unsecured loans, they have higher rate of interest. Personal loan interest rates vary for different loan amount, company category and net income. High income and good company profile can lend you high loan amount at low interest rate. Personal loan rates for government employee and defence personnel may be different from that for private salaried employees.

Can I do balance transfer on personal loan?

Yes, if you are getting higher rate of interest and paying higher EMI than other banks, then you can opt for personal loan balance transfer and reduce your monthly burden.

Can I get top up on personal loan?

Yes, you can get top up loan but terms and conditions vary from bank to bank.

How can I prevent rejection of my personal loan application?

Banks or NBFCs give loan to those borrowers about whom they are sure that he/she can repay the loan. You need to know few details if you don’t want your application to get rejected:

  • In this case, if you have a spouse who is also working, you can add her as a co-applicant to boost the combined salary levels.
  • Clear your old debts first so that your leverage levels come down.
  • You can also balance transfer your existing loans so that the rate of interest on loans can come down and additional loan can be availed.
  • If your loan application is rejected due to a low CIBIL score, you can opt for loans where a CIBIL check is not required. Regular repayment track record on this loans can actually improve your CIBIL score. You can also try taking a loan from lenders which lend to borrowers with a low CIBIL score. However, the rate of interest offered by these lenders are generally higher than those offered by banks.

Can I make payment of loan amount when I am outside India?

Yes, you can make payments from outside India through net-banking or online banking facility provided by banks.

Can I get a personal loan for pensioner if I have a pension account with one of the leading private banks in India?

There are several private as well as public sector banks which offer loan to pensioners.You can get loan of up to 10-20 times of your monthly pension.

What are the benefits of part prepayment of a loan?

Part prepayment allows to you utilize any surplus income you have towards repaying your loan and hence, decrease your fixed expenses burden. It also allows you to reduce the total interest cost of a loan by either decreasing your EMI or reducing your loan tenure. Banks allows prepayment and foreclosure after a few initial months. However, as personal loans are fixed rate loans, banks typically charge a prepayment penalty of 2-5% over prepaid principal amount. It is important to understand the cost implications of prepayment, before taking a loan as well as before taking a decision to prepay.

Can I get a personal loan with a bad credit score?

Yes, you may be eligible for qualifying a personal loan even with a low CIBIL score. But, the lenders may charge a higher rate of interest on your loan and may ask you to apply for loan along with a co-applicant to improve your credit worthiness.

What are the tax benefits available on personal loans?

Personal loans have no explicit tax benefits but you may sometimes get a tax exemption, based on the purpose of personal loan. If you take a personal loan for home renovations and/or down payment, you may be eligible for Income Tax deduction under Section 24 of Income Tax Act. This tax benefit available only on the interest paid on the loan and not for the principal amount. Similarly, if you have taken the personal loan for meeting your business expenses, you can claim the interest paid on such loans against your taxable income, thus reducing your tax liability.

Do I need to contact financial institution directly, if I take a personal loan from

If you decide to take a loan through MyLoanCare, you are not required to contact the bank directly. Our company representative will process your application with the bank and will regularly stay in touch with you until your loan get sanctioned. The bank officials may call your for checks and documentation, but our assigned loan officer will assist you at each step of the loan process.

Do lending institutions change interest rates after sanction of loan?

Usually, personal loans are given at fixed interest rates and hence banks do not change these rates after sanction. However, if you have opted for a floating interest rate, the rate of interest will be reset at regular intervals by the bank in response to fluctuations in market interest rates.

What is the minimum salary to get personal loan?

The minimum income to get a personal loan is ₹ 15,000. However, the minimum income criteria for salaried professionals vary from bank to bank.

Which is better: Personal Loan Vs Credit Card?

While personal loans and credit cards both are used in the case of urgent financial needs, they function differently. Here is a comparison of personal loan and credit card:

Personal LoanCredit Card
Loan for various purposes such as wedding, travelling, medical expenses, children’s education, etc. Card for small and big purchases for personal or business needs.
Eligible for a higher loan amount depending on your income. Can use amount upto the predetermined monthly credit limit.
Loan tenure of maximum 5 years. Interest free credit period of upto 50 days.
Low interest rate than a credit card. Interest rate depends on your credit profile. Rate is higher than personal loans if late or part payments.
Loan to be repaid as EMIs for a specific tenure. Credit Card bill to be paid at the end of credit period.

Why MyLoanCare???

Nowadays, almost all banks offer attractive schemes on Personal Loan at competitive rates with many customer friendly features. You can do rates comparison, check your eligibility, calculate EMI, apply online and get the best Personal Loan rates. MyLoanCare helps you throughout the loan process from the day you apply to the time you get disbursement. You can register with us, track your loan status on a regular basis and get an option to earn attractive cashbacks and refer and earn benefits.

Personal Loan Reviews 4.5/5  by 2634 customers
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Personal Loan News - Aug 2020
  • 2020-08-07 : DCB Bank Ltd posted Rs. 79.38 crore PAT in Q1FY21 news
    DCB Bank posted a net profit of Rs.79.38 crores for the period ended June 30, 2020, as against a net profit of Rs.68.76 crores for the period ended March 31, 2020. In addition to this, the Bank reported a total income of Rs.950.70 crores backed by retail loans like home, personal, gold, two-wheeler, and car loans along with business and mudra loans during the period ended June 30, 2020.
  • 2020-08-06 : SBI reports Q1FY21 net profit of Rs. 4776.50 crore news
    State Bank of India reported a net profit of Rs.4776.50 crores for the period ended June 30, 2020, as against a net profit of Rs.6909.95 crores for the period ended March 31, 2020. The Bank posted a total income of Rs.87984.33 crores backed by retail loans like home, personal, car, two-wheeler, and gold loan along with the business and mudra loans. Further, the bank total deposits which include FD, RD, current and savings account grew at 15.96 per cent YoY.
  • 2020-08-04 : UCO Bank reports Rs. 21.46 crore PAT in Q1 news
    UCO Bank posted a net profit of Rs.21.46 crores for the period ended June 30, 2020, as against a net profit of Rs.16.78 crores for the period ended March 31, 2020. The bank reported total income aided by retail loans like home, personal, car, two-wheeler and gold loans along with business and mudra loans of Rs.4436.57 crores during the period ended June 30, 2020. In addition to this, total deposits which include FD, RD, current and savings accounts increased by 1.4% to Rs 1,95,119.60 crore.
  • 2020-08-03 : Dhanlaxmi Bank Ltd Q1FY21 net profit at Rs. 6.09 crore news
    Dhan Laxmi posted a net profit of Rs.6.09 crores for the period ended June 30, 2020, as against a net profit of Rs.2.60 crores for the period ended March 31, 2020. In addition to this, The bank reported a total income bolstered by retail loans home, personal, car, two-wheeler and gold loans along with business and mudra loans of Rs.278.62 crores during the period ended June 30, 2020. Bank provisioning for bad loans and contingencies spiked to Rs 37.02 crore during the reported quarter of FY21 as against Rs 9.27 crore a year ago.
  • 2020-08-03 : Bank of India posted PAT of Rs. 845.78 crore in Q1FY21 news
    Bank of India posted a net profit of Rs.845.78 crores for the period ended June 30, 2020, as against a net profit of Rs.3600.65 crores for the period ended March 31, 2020. Further, the Bank reported total income aided by retail loans like home, personal, car, two-wheeler and gold loans along with business and mudra loans of Rs.12022.48 crores during the period ended June 30, 2020.
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