I am currently earning ₹90,000 per month, and after the increment that I will get in January, my monthly income will be ₹1,20,000. I need a personal loan to buy a plot in Pune where I am currently working. I am looking for a personal loan of about 25 lakhs, which I want to pay off in 4 years. Which bank should I go with: HDFC Bank (interest rate is 10.85% + processing fees) ,ICICI Bank (10.85% interest rate + processing fee up to 2%), or is there a better option?