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EMI: Rs. 2,250
INSTANT APPROVAL
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EMI: Rs. 2,250
INSTANT APPROVAL
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EMI: Rs. 2,250
INSTANT APPROVAL
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All about Flexi Loan
EMI: Rs. 2,250
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EMI: Rs. 2,250
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EMI: Rs. 4,068
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EMI: Rs. 4,602
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EMI: Rs. 5,415
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EMI: Rs. 6,787
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EMI: Rs. 9,555
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EMI: Rs. 17,910
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EMI: Rs. 3,858
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EMI: Rs. 4,399
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EMI: Rs. 5,218
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EMI: Rs. 6,595
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EMI: Rs. 9,368
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EMI: Rs. 17,723
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Get a personal loan of Rs. 2 lakh instantly
Looking for instant funds? A personal loan up to Rs. 2 lakhs is a smart choice for emergencies, home renovations, or personal expenses. With minimal paperwork, quick approval, and flexible repayment options, a Rs. 2 lakh loan gives you the financial ease you need.
Enjoy competitive interest rates and a smooth application process. Apply for a Rs. 2 lakh personal loan today and experience hassle-free borrowing tailored to your needs.
Rs. 2 Lakh Personal Loan
A loan up to Rs. 2 lakh is a convenient way to manage urgent expenses such as medical bills, home repairs, or other personal needs. With minimal paperwork and quick approval, a Rs. 2 lakhs loan ensures fast access to funds when you need them most.
Enjoy flexible repayment terms and competitive interest rates designed to suit your financial goals. You can easily apply for a personal loan online and experience a hassle-free borrowing process from start to finish.
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.Explore the features and benefits of a personal loan from Bajaj Finserv. Flexible terms, easy approval.
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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. 40000 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 of personal loan for Rs. 2 lakh
Meeting the eligibility criteria is essential for loan approval. Use the personal loan eligibility calculator to check your eligibility for a Rs. 2 lakh instant loan and streamline the 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. 2 lakh personal loan
To get a Rs. 2 lakh loan instantly, ensure you have all the required paperwork in place. Applying for a Rs. 2 lakh personal loan from Bajaj Finance is quick and hassle-free when you keep essential documents ready—such as identity proof, income details, and recent bank statements.
For a smooth application process, check the complete list of required personal loan documents. Get your personal loan Rs. 2 lakh approved faster with the right documentation in hand.
- 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
Personal loan interest rates for Rs. 2 Lakhs
The interest rate for a Rs. 2 lakhs personal loan depends on factors like the lender’s policy, your credit score, and repayment capacity. Maintaining a strong credit history can help you secure better terms and reduce overall borrowing costs.
If you're planning to apply, it’s important to check the applicable charges. This ensures you choose an affordable loan option that fits your needs.
For more details, refer to the updated personal loan interest rates before applying.
Rs. 2 lakh personal loan EMI for 5 years
When you opt for a Rs. 2 Lakh Personal Loan with a 5-year tenure, your monthly EMI will vary based on the interest rate and loan terms. Below is the breakdown of your EMI for a Rs. 2 Lakh Personal Loan over 5 years, starting from an interest rate of 10%:
Loan amount |
Interest rate |
Tenure |
EMI |
Total payment |
Rs. 2,00,000 |
10% p.a. |
5 years |
Rs. 4,249 |
Rs. 2,54,940 |
Rs. 2,00,000 |
11% p.a. |
5 years |
Rs. 4,316 |
Rs. 2,59,000 |
Rs. 2,00,000 |
12% p.a. |
5 years |
Rs. 4,440 |
Rs. 2,66,400 |
The EMI amounts may vary depending on your chosen interest rate and loan terms. You can use this breakdown as a reference to estimate your monthly repayments for a Rs. 2 Lakh personal loan.
Uses of Rs. 2 lakh personal loan
A Rs. 2 Lakh Loan offers the flexibility to manage urgent or planned expenses with ease. Whether it’s a dream holiday or a medical emergency, a Rs. 2 lakh instant loan ensures quick financial support.
Travel expenses
Use a personal loan for travel to cover flight tickets, hotel stays, and other travel-related costs. A Rs. 2 Lakh Loan helps you enjoy your vacation without impacting your savings.
Marriage expenses
Fund your wedding expenses effortlessly with a personal loan for wedding. From venue bookings to jewellery shopping, a Rs. 2 lakh instant loan can make your big day stress-free.
Education expenses
Manage tuition fees, books, and living expenses with a personal loan for higher education. A Rs. 2 lakh instant loan ensures your academic dreams are never held back due to financial constraints.
Home renovation
Upgrade your home easily using a personal loan for home expenses. Renovations, repairs, or buying new furniture can all be covered without straining your finances.
Medical emergency
Handle unexpected healthcare costs smoothly with a personal loan for medical emergency. Quick access to a Rs. 2 Lakh Loan lets you prioritise treatment without financial worries.
How to apply for a personal loan of Rs. 2 lakh?
Applying for a Rs. 2 lakh personal loan is simple and hassle-free. With minimal paperwork and a fully online process, you can get quick approval and access funds without delays. Here’s how you can apply:
- 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.
Our representative will guide you on the next steps. The loan amount will be transferred to your bank account on the successful verification of your documents.
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Frequently asked questions
If you want Rs. 2 lakh rupees loan urgently, applying for a personal loan with quick approval from trusted lenders is the fastest way to get instant funds when you need them the most.
Yes, you can apply for a Rs. 2 lakh loan on Aadhaar card as it is one of the essential documents required by Bajaj Finserv for a personal loan. Along with your Aadhaar card, you will need to provide document such as:
- 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
The Rs. 2 lakh personal loan EMI varies with the interest rate and tenure. For a Rs. 2 lakh personal loan EMI for 5 years at an interest rate of 10%, the monthly EMI is approximately Rs. 4,247.
No, lenders typically require income proof when you apply for a personal loan. For a Rs. 2 lakh loan without income proof, approval is unlikely. You will require documents such as:
- 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
Personal loan interest rates may vary based on the lender's eligibility requirements. However, you can use our EMI calculator to figure out the exact amount of interest you are liable to pay. Input a few key details about the credit borrowed to get in-depth information on monthly payments, total interest payments, and more.
You can get approval for a Rs. 2 lakh personal loan within minutes, and the amount is usually disbursed within 24 hours*.
Yes, you can easily get a Rs. 2 lakh personal loan without pledging any collateral, as it is an unsecured loan based on your eligibility.
Yes, you can prepay your Rs. 2 lakh personal loan, but it may be subject to foreclosure charges as per the policies.
You can apply for a Rs. 2 lakh personal loan without salary slip by providing alternative documents. Lenders often accept bank statements, Income Tax Returns (ITR), proof of other income sources, or a guarantor’s support to evaluate your loan eligibility.
To get a Rs. 2 lakh loan in one day, apply online through a trusted financial platform that offers instant personal loans. Keep your documents ready—such as PAN, Aadhaar, bank statements, and proof of income. A strong credit score can help speed up the approval and disbursal process, often within a few hours.
Getting a Rs. 2 lakh loan without documents is rare, but some lenders offer minimal paperwork loans with digital verification for faster approval.
