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EMI: Rs. 1,125
INSTANT APPROVAL
LOWEST EMI
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EMI: Rs. 1,125
INSTANT APPROVAL
LOWEST EMI
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EMI: Rs. 1,125
INSTANT APPROVAL
LOWEST EMI
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All about Flexi Loan
EMI: Rs. 1,125
INSTANT APPROVAL
LOWEST EMI
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EMI: Rs. 1,125
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EMI: Rs. 1,125
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EMI: Rs. 2,034
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EMI: Rs. 2,301
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EMI: Rs. 2,708
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EMI: Rs. 3,394
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EMI: Rs. 4,778
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EMI: Rs. 8,955
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EMI: Rs. 1,929
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EMI: Rs. 2,199
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EMI: Rs. 2,609
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EMI: Rs. 3,298
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EMI: Rs. 4,684
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EMI: Rs. 8,862
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Get a personal loan for Rs. 1 lakh instantly
Need quick financial assistance? With a personal loan online, you can easily secure a loan up to Rs. 1 lakh with minimal hassle. Offering a competitive Rs. 1 lakh loan interest rate, this loan is designed to meet your immediate needs, be it for emergencies, home improvements, or personal expenses. Apply today and enjoy flexible terms and instant approval.
Why opt for a Rs. 1 lakh personal loan?
A Rs. 1 lakh personal loan is a perfect solution for large expenses that require immediate funding. Whether it's for medical bills, home renovation, or a wedding, this loan offers flexibility with attractive interest rates and quick disbursements. A personal loan of Rs. 1 lakh can help you manage unexpected expenses without breaking the bank.
Rs. 1 lakh personal loan EMI for 1 year
Here’s a breakdown of the EMI for a 1 lakh personal loan for 1 year (12 months), considering an average interest rate of 13%.
Loan Amount |
Loan Tenure |
Interest Rate |
EMI Amount |
Total Interest |
Total Payment |
Rs. 1,00,000 |
12 Months |
13% |
Rs. 9,088 |
Rs. 9,055 |
Rs. 1,09,055 |
Rs. 1 lakh personal loan EMI for 3 years
For a 1 lakh personal loan with a 3-year tenure (36 months), here’s the EMI calculation based on a 13% interest rate:
Loan Amount |
Loan Tenure |
Interest Rate |
EMI Amount |
Total Interest |
Total Payment |
Rs. 1,00,000 |
36 Months |
13% |
Rs. 3,474 |
Rs. 24,103 |
Rs. 1,24,103 |
Rs. 1 lakh personal loan EMI for 5 years
Here’s the EMI breakdown for a 1 lakh personal loan with a 5-year tenure (60 months) and an interest rate of 13%:
Loan Amount |
Loan Tenure |
Interest Rate |
EMI Amount |
Total Interest |
Total Payment |
Rs. 1,00,000 |
60 Months |
13% |
Rs. 2,353 |
Rs. 41,171 |
Rs. 1,41,171 |
Eligibility criteria of personal loan for Rs. 1 lakh
Meeting the eligibility criteria is essential for loan approval. Key requirements for Bajaj Finserv Personal Loan include:
- 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 personal loan for Rs. 1 lakh
To apply for a Rs. 1 lakh personal loan, it is a good idea to keep the following documents handy:
- 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. 1 Lakh
Personal loan interest rates and charges vary based on the lender, credit profile, and loan amount. A strong credit history can secure you a low interest loan, reducing the overall cost of borrowing. Ensure you review all applicable charges before applying.
Features and benefits of our personal loan
00:40
Features and benefits of our personal loan
Watch this video to know everything about our personal loan
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3 unique variants
Pick the loan variant that suits you best: Term loan, Flexi Term Loan, and Flexi Hybrid Loan.
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No part-prepayment charge on Flexi Term Loan (Flexi Dropline) & Flexi Hybrid 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.
Frequently asked questions
Here is a step-by-step guide to applying for a Rs. 1 lakh personal loan:
- Click on ‘APPLY’ to open our online application form.
- Enter your 10-digit mobile number and 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 usually depends on the repayment tenure and the personal loan interest rates charged by the lender. You can use a personal loan EMI calculator to find out the EMI of Rs. 1 lakh personal loan.
For instance, if you borrowed Rs. 1 lakh at an interest rate of 13%, the following is your monthly EMI for Rs. 1 lakh loan.
| Tenure | Approximate EMI at 13% interest rate |
| 2 years | 4754 |
| 3 years | 3369 |
| 5 years | 2275 |
Age, credit score, monthly income, your relationship with the lender, and a few other factors can have an impact on personal loan interest rates. You can get a Bajaj Finance Personal Loan with competitive interest rates starting from 10% p.a.
The requirements for a personal loan differ from lender to lender. Your income proof is one of the most critical elements that can influence your loan acceptance. Below are the documents that are required to be submitted when applying for a Bajaj Finance Personal Loan:
- KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register
- PAN card
- Employee ID card
- Salary slips of the last 3 months
- Bank account statements of the previous 3 months
The loan amount and interest rate you choose will determine the EMI for a period. You can benefit from our online EMI calculator and obtain precise results for the monthly EMI of your Rs. 1 lakh loan. Simply input your desired loan amount, interest rate, and loan tenure into the monthly EMI calculator to obtain an estimated EMI based on your preferences.
Any individual who meets the eligibility criteria set by the lender can avail of a Rs. 1 lakh personal loan. Borrowers can qualify for a Bajaj Finance Personal Loan by meeting these five simple eligibility criteria mentioned below:
- Nationality: India
- Age: 21 years to 80 years*.
- Employed with: Public, private, or MNC.
- CIBIL score: 685 or higher.
- Monthly salary: Starting Rs. 25,001, based on the city you live in.
*You should be 80 years* or younger, at the end of the loan tenure.
You can apply for a Rs. 1 lakh loan without a salary slip by providing alternate proof that serve as proof of income, such as bank statements, tax returns, or a certificate from your employer.
You need a CIBIL Score of 685 or above to apply for a Bajaj Finserv Personal Loan.
No, essential documents such as identity, income proof, and address are required for processing a personal loan. Know more about the complete list of the documents required for a personal loan.
The Bajaj Finserv Personal Loan can be disbursed within 24 hours of approval.
*Terms and conditions apply.
