The RBI's historic 125 bps rate cut has reshaped personal loan interest rates in 2026. Banks like HDFC, SBI & ICICI now offer rates starting at 8.75%. But the advertised rate is rarely what you get. Your CIBIL score, employer category & debt ratio decide your real cost. In this deep-dive, FinanceWithPaul & Atlanta Group reveal how to position your profile, compare lenders smartly & secure the lowest personal loan interest rates in 2026.