Icici bank gives personal loan at 11.25 % .
Any other bank with less interest?

likeuplifting
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Gold loan

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Check in Kerala based banks, interest rate might be sub 9%, other loans paper work headache.

It depends upon your profile. I was getting pre approved personal loan upto 25L @ 9.25% from ICICI

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Its my salary bank.

Should one take personal loan from other than bank?

Do you have ppf? You can open ppf account in any national bank. You can take loan upto 25% of the account value after 2years.

For epf withdrawal you can check on epfo.

Personal loan should be avoided... Better ask overdraft facility from your salary account bank...

If you can directly bargain with your salary account bank it will be good... Ask them to have flexible emi...

I had got personal loan from hdfc bank at 10.25% PA for 15 lakhs. Maybe bcoz cibil score was high. Interest rates are higher now, bad time to borrow.

But instead of paying banks so much interest, why not enroll in a chit fund, draw chit in 2nd/3rd month & pay monthly chits?. That won't cost any interest.

Why are you taking personal loan? Just for general knowledge.

As name says personal, so it is for personal requirement which can not be disclosed

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