Glossary
Fixed Rate
What it means
Fixed-rate loans give EMI certainty. Most personal loans, car loans and business loans are fixed-rate; some home loans offer fixed rates for an initial period before converting to floating.
Fixed rates are generally higher than floating rates and often carry prepayment charges. Some 'fixed' home loans include reset clauses; read the Key Fact Statement for the reset conditions.
Where it applies
Personal Loan
Collateral-free personal loans from ₹50,000 to ₹50 lakh at rates starting around 10.25% p.a., with disbursal typically within 48 hours of approval.
- Rate from
- 10.25% p.a.
- Up to
- ₹50 L
Car Loan
New car loans covering up to 100% of on-road price at rates from about 8.5% p.a., with tenures up to 7 years, across banks and captive finance companies.
- Rate from
- 8.50% p.a.
- Up to
- ₹2 Cr
More terms
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