HSBC personal loan interest rates are currently positioned in a competitive band, reflecting customer profile, loan amount, and tenure. According to the HSBC India website, the prevailing rates for Q3 2025 lie between 9.89% p.a. and 14% p.a.
What is the HSBC Bank Personal Loan Interest Rate?
The bank also highlights that the Q2 2025 representative APRs ranged from 9.61% to 15.43% p.a., while published interest rates in this period range from 10.15% to 16.0% p.a.
These rates apply to unsecured personal loans, which do not require collateral or a guarantor. HSBC allows borrowers to choose a tenure between 6 months up to 60 months (5 years). Borrowers who maintain an HSBC salary account may benefit from faster disbursal or special rate offers.
As with most banks, the exact rate offered to you will depend on a combination of factors:
your credit history (CIBIL or other credit bureau score)
your income and stability of employment or business
the loan amount you request
the tenure you select.
Additionally, HSBC applies processing fees (up to 2% of the loan amount) and prepayment/foreclosure charges depending on how early in the loan you attempt a full or partial prepayment. For example, within the first 12 months prepayment may incur 5% of the outstanding, dropping over time.
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What is HSBC Personal Loan Interest Rate?
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2025-09-30T09:41:21+00:00 2025-09-30T09:41:23+00:00Comment
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