Personal Loan Interest Rates: All lenders regulated by the RBI are required to hold capital in a certain proportion of the loan amount they lend. The riskier the loan, higher the capital a lender has to maintain. As a direct consequence of the RBI raising the risk weightage, lenders now have to maintain higher capital reserves for the riskier category. What changes for the lenders? Read on to know how much more you will have to pay for your next personal loan.