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Advise on personal loan upto 20 Lakh for 5 years

Amit_1

TF Premier
VIP Lounge
RML Group
Require PL of 20 lakhs for 5 years tenure.

Opened HSBC salary account last month with first salary credited in the April month, earlier had salary account with HDFC.

Loan rates:
HSBC (Interest rate: 10.25%, charges 10,000 +gst)
HDFC (Interest rate: 10.85%, charges 13,500 +gst)

HDFC RM saying there are no credit card offers with PL, HSBC strictly with no extra offers

CIBIL: above 775
No obligations

Currently in chat with ICICI, if they can provide any good offers with credit cards of interest rates.

Can you suggest any options or best ways to get best out from this PL
 
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