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Compare and apply for Standard Chartered personal loan at affordable interest rate.

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Compare and apply for Standard Chartered personal loan at affordable interest rate.

Best Personal Loans

Paying your medical bills, planning that wedding or designing your new home can all call for quick funds and Standard Chartered grants you some of the best personal loans whenever you need them. Below are some features of the best personal loans.

Apply online

Gone are the days of waiting in line at a bank, filing applications and taking printouts. Loan applications are available online at our website, along with the option to upload your supporting documents.

Loan capacity

Personal loans from the Standard Chartered Bank can range from INR 1 lakh to INR 50 lakhs depending on your eligibility criteria. So you can secure funds for any of your needs!

Loan capacity

Standard Chartered bank’s best online personal loans allow for the providing of loans without requiring guarantors or assets as collateral for their approval.

Flexible tenure

Repayment of loan amount can be done across any time period between 12 to 60 months as per your convenience. Whatever works for you!

Part Payment

The Part Payment facility on your loan can be availed for up to a maximum of 25% of your outstanding balance in a year. Just another way to help make repayments easier.

Interest rate

Our personal loans come with attractive interest rates and even a 50% discount on their application processing fees. This makes them a few of the best personal loans, while being easily affordable too!

No physical interaction required

Get instant approval on your application and also complete your KYC online through a video. Learn more.

Types of Personal Loans by Standard Chartered

Marriage Loans

Everyone deserves to have their perfect wedding, exactly the way they want it. Standard Chartered is here to make that possible for our clients. Because everything from the decor, to food, to the honeymoon can rake up bills rather quickly, we at Standard Chartered are here by your side. Enjoy our marriage loans up to INR 50 lakhs, simply by applying online at our website; personal loan approvals are instant and convenient. Don’t compromise on that wedding.

Travel Loans

The Standard Chartered travel loan lets you head over to the top destinations across the world, or even just visit your friends abroad while setting your mind fully at ease. Go skiing in the Alps, visit the Great Wall of China or celebrate a day at Universal Studios; with our travel loans you can be sure that nothing will hold you back! Enjoy all the features of a personal loan at comfortable interest rates and travel to your heart’s content.

Loan Against Securities

We at Standard Chartered strive to keep things simple and efficient for you, and our loan against securities does exactly that. You can handle your debts by combining them into this single low interest loan, and enjoy a high overdraft limit as well. A loan against securities is an economical choice, not only because of our low interest rates, but also due to our policy of not charging interest unless the funds obtained are actually utilised.

Loan Against Term Deposit 

Apply for a loan against fixed deposits to manage your finances as smoothly as possible. You can access your line of credit easily, and rest assured that you will be charged interest only on using it. Along with low interest rates, this personal loan comes with a flexible borrowing facility as well.

Payroll overdraft service  

With Standard Chartered’s payroll overdraft service, you can avail of an overdraft on your salary account. This is especially convenient in a case of emergency and the interest rate charged is as low as 15.5% per annum. You are also sorted in terms of repayment, with the option to recover funds from alternate accounts, as per your convenience.

Personal Loan EMIs

The Standard Chartered Personal Loan EMI Calculator is a great resource that can help you plan your personal loan in the best way possible. You can check your eligibility, calculate monthly EMIs, the amount of money to be repaid to the bank and much more within seconds. All you have to do is enter the amount of the personal loan that you want to avail of, its interest rates, as well as the number of years for which you require the loan into the calculator. It will give you all the information you need to make informed financial decisions from there.

Personal Loan Features and Benefits


● Loan Capacity – Loans of amounts ranging from INR 1 lakh to INR 50 lakhs
● Part Payment – Up to 25% of outstanding balance per year
● Interest Rate – Attractive interest rates of 11% to 17% with a 50% discount on the processing fee for online applications


● Online Application – Fill out a loan application form online and upload the supporting documents
● Instant Approval – Online personal loans are instantly approved based on customer eligibility
● Unsecured Loan – No collateral is required in order for personal loans to be approved
● Flexible Tenure – Repayment of loans can be made between 12 to 60 months
● No Restrictions – All personal loans can be used as per the client’s discretion

Exciting Offers to avail on Personal Loans

Standard Chartered offers some of the best personal loan interest rates available, which start from as low as 11%. Depending on factors such as your income, the amount of the loan, your credit history and credit score, you may be eligible for the lower interest rates. You can also avail of a 50% discount on the processing fee for the personal loan application, when you apply online! Make sure to choose a Standard Chartered personal loan so that you can enjoy our part payment facility as well, up to 25% of your outstanding balance in a year.

FAQs to Compare Personal Loans

What are the different types of Personal Loans offered by Standard Chartered in India? 

Standard Chartered offers a variety of personal loans, including those for marriage/wedding, business/leisure related travel, the purchase of consumer durable goods and college/university education. We also provide loans against securities and loans against term deposits along with a payroll overdraft service for our salaried clients. While these are some of the more popular categories of personal loans availed, we place no restriction whatsoever on the reasons for the application of such loans. You decide what you want to do with your loan, and we’re here to support you. When looking for the best bank for personal loans, Standard Chartered ranks high up there because of the features and benefits that come with the loans we provide, which are applicable to all loans regardless of their category.

How do I compare the interest rates of personal loans? 

The best personal loans are invariably ones that have the most comfortable interest rates for you. This is why it is advisable to compare personal loan interest rates before deciding on which one you would want to choose for yourself and for your specific use case or need. At Standard Chartered Bank, the interest rates on personal loans generally range between 11% to 17% which also makes for some of the best loan offers available in the market. In order to properly compare loans, you can make use of a personal loan eligibility tool to browse through all the options at your disposal. This tool is particularly useful because of the wide gamut of information it provides. Apart from just accessing the interest rates of the loans, you can also determine the loan processing fees and pre-payment charges that you may incur for personal loans from a wide array of banks.

How do I get the lowest interest rates on personal loans? 

A smart way to approach this would be, to first determine what the general factors involved in the setting of interest rates for personal loan applicants are. Some of these factors are based on the type of profile of the loan applicant in question. For example, in many banks, salaried employees in stable jobs, women and pensioners tend to get a lower interest rate than other applicants. The interest rate you receive can also depend on your own banking profile which includes your credit history and credit score. Here are a few key tips on how to improve your profile:-
● Ensure that you maintain a good to excellent credit score.
● Avoid defaults on your credit payments and other loan payments.
● Keep your FOIR (fixed obligation to income ratio) low.
● Avoid applying at various banks for a personal loan at the same time.
● Maintain a low credit utilization ratio.
● Choose the bank in which you already have accounts or a relationship with.

Do keep in mind that Standard Chartered reserves the right to request additional documents as required on perusal of applicant’s profile.

How is the personal loan different from a loan against a credit card? 

A loan on a credit card, is similar to a personal loan in a lot of ways. When you want to take a loan, you approach a lender (i.e. a bank, etc.,) furnish all the required identity, income and address proof, as well as the collateral that you set aside for the loan. In the case of a loan on a credit card though, there is no requirement for additional documentation other than just being the owner of the card. Another major difference between the two lies in the size of the loan, wherein a loan on credit will be limited to one’s credit balance.

If you apply for a regular personal loan at Standard Chartered, you are only required to submit the aforementioned documents. No collateral will be asked of you, nor will you have to provide any guarantors.

What is VKYC?

VKYC, or simply Video KYC, is a feature that allows you to complete your KYC through a video from the comfort of your home while applying online for a Standard Chartered credit card, personal loan, or savings account. With this feature, our application process becomes even more simpler and completely contactless. Click here to learn more.