Need advice on personal loan. IDFC vs HDFC vs ICICI

I am looking for a PL of 10L approx.

Salaried - 1.5L+ net salary credit pm, 770+ credit score

Salary account in AXIS. They offered 9.99% ROI but PF+stamp charges are 12k+. They arent giving any waiver.

Started looking for other options like IDFC, HDFC, ICICI online, but didnt login or apply with details yet. (If I apply and check with all 3 banks, is that a bad thing for my credit score?)

On the surface, all 3 banks offer ROI starting from 9.99%, but IDFC is offering zero PF and unconditional zero prepayment and foreclosure charges, while other banks have upto 2% PF but better cap than AXIS and 2-3% charges on pre payment.

Thought of checking with IDFC first, but needed advice if its any good?

Or any better suggestions with lesser charges or ROI are also appreciated.

I need this money in the next couple of days, delayed hoping axis would offer me something better.

TIA :)