The processing of a personal loan is between 1 days and 7 days from the time your application is 'logged-in' to when it is disbursed by the lender.
| Lender | Expected turnaround times(hours) |
| Bajaj | 24 |
| Tata Capital | 72 |
| HDFC Bank | 48 |
| IDFC Bank | 24 |
| ICICI Bank | 72 |
| Axis Bank | 72 |
| Yes Bank | 72 |
| Fullerton | 24 |
| Standard Chartered Bank | 24 |
| Kotak Mahindra Bank | 96 |
| RBL Bank | 96 |
| Indusind Bank | 96 |
In reality, however, the processing time, especially from application date to disbursal date is much longer and could be as long as 7-12 days. This is even more so, if there are some credit related approvals to be obtained (deviations from lender's standard policy). In such cases, the procesing time could be much higher. Such deviations are common-place and this is exactly what fintechs such as Saral Credit are trying to challenge.
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