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EMI: Rs. 11,250
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EMI: Rs. 11,250
INSTANT APPROVAL
LOWEST EMI
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EMI: Rs. 11,250
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All about Flexi Loan
EMI: Rs. 11,250
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EMI: Rs. 11,250
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EMI: Rs. 20,339
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EMI: Rs. 23,010
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EMI: Rs. 27,076
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EMI: Rs. 33,935
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EMI: Rs. 47,777
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EMI: Rs. 89,552
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EMI: Rs. 19,291
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EMI: Rs. 21,993
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EMI: Rs. 26,089
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EMI: Rs. 32,976
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EMI: Rs. 46,840
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EMI: Rs. 88,615
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How to get Rs. 10 lakhs loan easily
When you’re in urgent need of funds, a Rs. 10 lakhs Personal Loan can be a reliable and fast financial solution. Whether it's for a medical emergency, home improvement, education, or clearing existing debts, this type of loan gives you the flexibility to manage expenses without delays.
Today, many lenders offer instant personal loans, helping you get a Rs. 10 lakh loan quickly and with minimal paperwork. These loans are accessible and ideal for those needing a large amount in a short time.
If you’re wondering how to get Rs. 10 lakhs loan, start by checking your credit score, income eligibility, and comparing offers from top lenders. Doing this ensures you get the best interest rate and repayment terms to suit your budget.
With the growing popularity of quick online applications, getting a Rs. 10 lakhs Personal Loan has never been easier or more convenient.
Why get a Rs. 10 lakh personal loan
A personal loan up to Rs. 10 lakh can be a smart financial solution for a variety of needs, from funding a wedding to managing medical emergencies or pursuing higher education. This loan provides substantial funds while offering flexibility in repayment through manageable EMIs. The EMI on a personal loan of Rs. 10 lakh are designed to suit your financial capability, making it easier to repay over a tenure of your choice. With minimal documentation and a quick approval process, personal loans are a preferred option for urgent financial requirements.
Features and benefits of Personal Loan for Rs. 10 lakh
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Features and benefits of Personal Loan
Discover the features and benefits of a Personal Loan—quick approval, minimal paperwork, flexible repayment options, and no collateral required.
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3 unique variants
Pick the loan variant that suits you best: Term loan, Flexi Term Loan, and Flexi Hybrid Term Loan.
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No part-prepayment charge on Flexi Term Loan (Flexi Dropline) and Flexi Hybrid Term Loan
Repay a part of your loan in advance, at no extra cost. You can part-pay as many times as you want.
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Loan of up to Rs. 55 lakh
Manage your small or large expenses with quick personal loans ranging from Rs. 20,000 to Rs. 55 lakh.
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Convenient tenures
Manage your loan easily with repayment options ranging from 12 months to 96 months.
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Approval in just 5 minutes
Complete your entire personal loan application online from the comfort of your home or wherever you are and get an instant personal loan with fast approval.
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Money in your account in 24 hours*
Your bank account will be credited with your loan amount within 24 hours* or, in some cases, on the same day of approval.
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No hidden charges
Our fees and charges are mentioned clearly on this page itself and also on our loan documents. We advise you to read these in detail before applying.
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No guarantor or collateral needed
You do not need to provide any collateral such as gold ornaments, property papers, or have someone stand as a guarantor.
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*Terms and conditions apply.
These features make this one of the best personal loans in India. Still haven’t found what you’re looking for? Click on any of the links at the top of this page.
Eligibility criteria for personal loan up to Rs. 10 lakh
To get a Rs. 10 lakh personal loan, applicants must meet specific requirements. Check the eligibility and documents for personal loan for a hassle-free application process.
- Nationality: Indian
- Age: 21 years to 80 years*.
- Employed with: Public, private, or MNC.
- CIBIL Score: 685 or higher.
- Customer profile: Self-employed or Salaried
*You should be 80 years* or younger, at the end of the loan tenure.
Documents required for Rs. 10 lakh loan
To apply for a Rs. 10 lakh personal loan, you need to submit certain documents to verify your eligibility and complete the process. Here are the key personal loan documents required:
- KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
- PAN card
- Employee ID card
- Salary slips of the last 3 months
- Bank account statements of the previous 3 months
- Piped gas bill
- Pension order
- Letter of Allotment of Accommodation Issued by Employer
- Property / Municipal tax receipt
- Utility bill
- Real-time image / photograph
- Ration card
Rs. 10 lakh personal loan interest rate, fees & charges
When applying for a Rs.10 lakh personal loan, it’s important to understand the personal loan interest rate along with other applicable fees and charges. Lenders usually offer competitive rates based on your credit score, income, and overall profile. Before proceeding, ensure you review all processing fees, prepayment charges, and other terms to make an informed borrowing decision.
Rs. 10 lakh personal loan EMI
Understanding the EMI for a personal loan of Rs. 10 lakhs is crucial for effective financial planning. The EMI on Rs. 10 lakh personal loan depends on factors like loan tenure, interest rate, and repayment capacity. Here's how you can calculate it easily:
- Loan tenure: Longer tenures lead to lower EMIs but higher overall interest costs.
- Interest rate: A competitive interest rate helps keep EMIs affordable.
- EMI calculation: Use a personal loan for accurate and instant EMI details.
Sample EMI table for Rs. 10 lakh loan
Loan Tenure |
Interest Rate (p.a.) |
Monthly EMI |
Total Repayment |
3 Years |
10% |
Rs. 32,267 |
Rs. 11,61,612 |
5 Years |
10% |
Rs. 21,247 |
Rs. 12,74,820 |
Plan your repayment effectively with a Rs. 10 lakhs personal loan EMI calculator to manage your finances seamlessly.
How to apply for a Rs. 10 Lakh personal loan
To apply for a personal loan of Rs. 10 Lakhs, follow these steps:
- Click on ‘APPLY’ at the top of this page to open our online personal loan application form.
- Enter your 10-digit mobile number and the OTP sent to your phone.
- Fill in the application form with your basic loan details, such as your full name, PAN, date of birth, and PIN code.
- Now, click on ‘PROCEED’ to visit the loan selection page.
- Enter the loan amount that you need. Choose from our three personal loan variants –Term, Flexi Term, and Flexi Hybrid.
- Choose the repayment tenure – you can select tenure options of 12 months to 96 months and click on ‘PROCEED’.
- Complete your KYC and submit your application.
Explore personal loan options
Also read:
Frequently asked questions
Here is how you can get a Rs. 10 lakh personal loan:
- Click on ‘APPLY’ to open our online application form.
- Enter your 10-digit mobile number and verify the OTP sent to your phone.
- Fill in the application form with your basic details, such as your full name, PAN, date of birth, and PIN code.
- Click on ‘PROCEED’ to visit the loan selection page.
- Enter the loan amount that you need. Choose from our three personal loan variants –Term, Flexi Term and Flexi Hybrid.
- Choose the repayment tenure – you can select tenure options of 12 months to 96 months and click on ‘PROCEED’.
- Complete your KYC and submit your application.
The EMI of your personal loan usually depends on the loan repayment tenure and the interest rate charged by the lender. You can use a personal loan EMI calculator to find out the EMI of Rs. 10 lakh personal loan.
For instance, if you borrowed Rs. 10 lakh at an interest rate of 10%, the following is your EMI.
Tenure |
Approximate EMI at of 10%, interest rate |
2 years |
Rs. 4,614 |
3 years |
Rs. 3,226 |
5 years |
Rs. 2,125 |
You can apply for a Rs. 10 lakh loan without a salary slip by providing alternate proof of income, such as bank statements, tax returns, or a certificate from your employer. This depends on lender to lender.
The salary requirement for a Rs. 10 lakh personal loan depends on the lender's policies and eligibility criteria. Generally, lenders assess the applicant's income, financial stability, and repayment capacity to determine the minimum income needed.
The Bajaj Finserv Personal Loan can be disbursed within 24 hours of approval.
*Terms and conditions apply.
The EMI depends on the interest rate and tenure. Use a personal loan EMI calculator for accurate calculations.
Yes, personal loans are typically unsecured and do not require collateral, subject to your creditworthiness and lender policies.
The minimum salary requirement varies depending on the lender and your overall loan eligibility.
Bajaj Finance offers personal loans starting from 10% p.a.
Students typically cannot get a Rs. 10 lakh personal loan without a stable income or guarantor, but they may explore education loans with co-applicants.
Use the formula: Interest = (Loan Amount × Interest Rate × Tenure)/100. For ₹10 lakh, multiply by annual rate and years to get total interest.
