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Federal Bank Personal Loan Interest Rate November 2026

Updated 2 November 2026Rates from official bank websitesHow we check rates

Federal Bank advertises personal loan rates starting from 11.75% per annum. For ₹5 lakh over 3 years that is an EMI of about ₹16,548 a month.

Federal Bank personal loan rates and charges

Source: Federal Bank official page, checked 2 November 2026.

These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.

Federal Bank personal loan EMI calculator

EMI for popular amounts

₹2 lakh for 2 years₹2 lakh for 3 years₹2 lakh for 5 years₹5 lakh for 2 years₹5 lakh for 3 years₹5 lakh for 5 years₹10 lakh for 2 years₹10 lakh for 3 years₹10 lakh for 5 years

Compare Federal Bank with other banks

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Frequently asked questions

What is the Federal Bank personal loan interest rate?

Federal Bank's website advertises personal loan rates starting from 11.75% per annum (checked 2026-11-02). The rate you get depends on your credit score, income and loan amount.

What is the EMI on a ₹5 lakh personal loan from Federal Bank?

At the starting rate of 11.75% over 3 years the EMI is about ₹16,548 a month, with total interest of about ₹95,711. A higher personal rate would raise this.

What is the processing fee for a Federal Bank personal loan?

The Federal Bank page we checked did not state a processing fee. Please confirm it with the bank's fee schedule before applying.

Does Federal Bank charge prepayment charges on a personal loan?

The page we checked did not state prepayment terms. Please confirm with the bank.