My salary will increase up to ₹1,00,000 in February. I want a personal loan of ₹15 lakhs to renovate my home, which I will repay over 4 years. I have two options in mind for applying for a loan: Bajaj Finserv or SBI. So, which loan, with an interest rate of 11.27% + processing fees from Bajaj Finserv and an interest rate of 11.45% + processing fees from SBI, is the best fit for me, or should I consider other options?
(BTW, my CIBIL score is 692)

I need to upgrade my PNB Classic Debit Card to a PNB Platinum Debit Card because of the daily cash withdrawal limit. I am trying to upgrade through the app, but it shows some kind of error. Does anyone know how to upgrade the debit card?