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NRI Banking Services

Which Bank Is Best for an NRI Personal Loan in India?

Manish PrajapatBy Manish Prajapat |Last Updated: December 17, 2025
Which Bank Is Best for an NRI Personal Loan in India?
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  3. Which Bank Is Best for an NRI Personal Loan in India?
  4. Reading Time: 11 mins

Sometimes, while living overseas, NRIs face unforeseen financial expenses. For urgent financial needs, obtaining loans in that country can be extremely difficult. In this circumstance, with the help of professional loans available for NRIs, you can take care of your emergency expenses overseas.

Given this, several leading banks in India, like ICICI, offer personal loans to NRIs. They can use the loans for home renovations, large purchases, a dream wedding, or education. Want to know which bank is best for an NRI personal loan in India? This blog provides a closer look at the banks that offer personal loans to NRIs. So read on and gather all the information.

Manish Prajapat
Manish Prajapat(Tax Expert)

Mr Manish is a financial professional with over 10 years of experience in strategic financial planning, performance analysis, and compliance across different sectors, including Agriculture, Pharma, Manufacturing, & Oil and Gas. Mr Prajapati has a knack for managing financial accounts, driving business growth by optimizing cost efficiency and regulatory compliance. Additionally, he has expertise in developing financial models, preparing detailed cash flow statements, and closing the balance sheets.

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Frequently Asked Questions

NRIs can get a personal loan amount in India by applying online through Indian banks or money lenders, providing proof of overseas income, identity/ residency documents, and income stability.

The minimum age criteria to apply for an NRI personal loan is generally 21 years. However, some lenders may have slightly different age brackets, such as 21–60 or 21–65.

Yes, you can apply online for a personal loan. It is a popular, fast, and often paperless process where you need to provide documents and information digitally for quick disbursal and approval, typically within hours or a day, by filling out the forms, verifying via OTP, uploading bank statements, and e-signing offers.

In most cases, you can ask a friend to be a co-applicant on a personal loan. However, this depends entirely on the lender's discretion.

No, generally, you do not need to submit any collateral or security to apply for an NRI personal loan. They are usually unsecured, meaning you do not pledge assets like property. However, you should have a strong credit score, proof of income, and often a resident Indian co-applicant.