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EMI: Rs. 3,375
INSTANT APPROVAL
LOWEST EMI
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EMI: Rs. 3,375
INSTANT APPROVAL
LOWEST EMI
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EMI: Rs. 3,375
INSTANT APPROVAL
LOWEST EMI
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All about Flexi Loan
EMI: Rs. 3,375
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EMI: Rs. 3,375
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EMI: Rs. 6,102
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EMI: Rs. 6,903
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EMI: Rs. 8,123
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EMI: Rs. 10,181
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EMI: Rs. 14,333
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EMI: Rs. 26,866
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EMI: Rs. 5,787
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EMI: Rs. 6,598
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EMI: Rs. 7,827
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EMI: Rs. 9,893
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EMI: Rs. 14,052
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EMI: Rs. 26,585
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Personal loan of Rs. 3 lakh
If you need Rs. 3 lakhs urgently, a personal loan is a convenient solution to meet your financial requirements. With flexible repayment tenures and no end-use restrictions, a personal loan up to Rs. 3 lakh can be used for various purposes like medical emergencies, weddings, travel, or education.
You can easily apply for a personal loan of Rs. 3 lakh at competitive interest rates with quick disbursal and minimal documentation. The online application process ensures instant approval, making it convenient to access funds during emergencies. You can also select a flexible tenure that suits your repayment capacity when applying for a Rs. 3 lakh personal loan.
Apply today to manage your urgent financial needs seamlessly and meet your goals without any hassle.
Why get a Rs. 3 lakh personal loan
Managing unexpected costs becomes easier when you know how to get Rs. 3 lakhs loan quickly and without stress. A Rs. 3 lakhs Personal Loan can support a wide range of needs—whether you're covering education expenses, making urgent home repairs, or funding a personal project. Since these loans are unsecured, you don’t need to pledge any collateral.
With user-friendly digital platforms, applying online takes only a few minutes. Once approved, the amount is credited directly to your account, often within 24 hours*. Competitive interest rates and flexible EMIs also make it easier to repay over time. If you're looking for a smooth borrowing experience, a Rs. 3 lakhs loan could be the financial support you need right now.
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. 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 of personal loan up to Rs. 3 lakh
Meeting the eligibility criteria is essential for loan approval. Understanding the eligibility and documents for personal loan is essential to ensure a smooth application process. Meeting these criteria can help you secure a personal loan 3 lakhs quickly and with minimal hassle.
- 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.
Use the personal loan eligibility calculator to assess your eligibility instantly and plan your loan application confidently. Ensure you meet the criteria for smooth processing and quick disbursal.
Documents required for a Rs. 3 lakh loan
To apply for a Rs. 3 lakh personal loan, it’s important to have the correct personal loan documents.
- 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. 3 lakh personal loan EMI for 5 years
When considering a Rs. 3 Lakhs personal loan, understanding your monthly EMI is crucial for planning your finances. The EMI amount depends on the interest rate, tenure, and loan amount.
Use the personal loan EMI calculator to estimate your exact monthly repayment and make well-informed decisions. Here's an indicative EMI table for a 5-year loan tenure:
Loan amount |
Interest rate |
Tenure |
EMI amount |
Rs. 3 Lakhs |
12% p.a. |
5 years |
Rs. 6,700 |
Rs. 3 Lakhs |
14% p.a. |
5 years |
Rs. 7,000 |
Rs. 3 Lakhs |
16% p.a. |
5 years |
Rs. 7,300 |
Rs. 3 lakh personal loan interest rate, fees & charges
When applying for a Rs. 3 lakh personal loan, it is crucial to understand the personal loan interest rate. The rate is usually influenced by factors like your credit score, income, and the loan amount. Reviewing the interest rate carefully helps you make an informed borrowing decision.
How to apply for a Rs. 3 Lakh personal loan
To apply for a personal loan of Rs. 3 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
Frequently asked questions
The EMI of your personal loan usually depends on the repayment tenure and the interest rate charged by the lender. You can use our personal loan EMI calculator to find out the EMI of Rs. 3 lakh personal loan. All you need to do is fill in the loan amount, tenure and personal loan interest rates to calculate the EMI details in an instant.
Tenure |
Approximate EMI at 13% interest rate |
2 years |
4,754 |
3 years |
3,369 |
5 years |
2,275 |
Calculate your personal loan EMIs
The EMI for a Rs. 3 lakh loan starts at approximately Rs. 6,400 per month for 60 months, depending on the interest rate and repayment tenure.
The minimum salary required to get our personal loan is Rs. 25,001. However, the salary requirement changes based on your city of residence. Please note that there are other eligibility criteria along with minimum income that are required for a personal loan approval.
To get a Rs. 3 lakh loan immediately, apply online for a pre-approved offer, keep documents ready, and ensure a good credit score for faster approval and disbursal.
Salary requirements can vary. It’s important to review the eligibility criteria and terms and conditions before submitting your personal loan application.
The salary requirement for a Rs. 3 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.
To get a Rs. 3 lakh personal loan, you only need to meet a few basic eligibility criteria:
- You must be between 21 years and 80 years* of age
- You must be a salaried individual employed with an MNC, public or private company
- You must be a residing citizen of India
- Your CIBIL Score must be 685 of higher
If you meet the salary requirement based on your city of residence, you can qualify for the loan.
*Terms and conditions apply
You may require some documents to get a Rs. 3 lakh personal loan. The following documents are required while applying for a personal loan
- 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
Select existing customers who have a pre-approved personal loan offer may not have to submit documents such as their salary slips. Typically, you are required to submit the following documents to get our personal loan:
- Passport-size photographs
- KYC documents
- Bank account statements for the last 3 months
- Salary slips for the last 3 months
Research financial institutions that specialize in providing Rs. 3 lakh loans online with minimal documentation. Generally, every lender needs basic personal and financial details, such as KYC documents, income proof, employment status and credit score to approve the loan application.
You can get a Rs. 3 lakh personal loan without collateral by meeting lender requirements like sufficient income, a good credit score, and submitting minimal documents.
A credit score of 685 or higher is generally preferred to qualify for an instant Rs. 3 lakh personal loan, improving your chances of quick approval and better interest rates.
