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1 Crore Personal Loan

Personal Loans are unsecured loans and hence lenders usually refrain from offering very high loan amounts to their applicants. However, a few lenders offer such high personal loan amounts of Rs 1 crore after factoring in the credit profile, repayment capacity and repayment history of the individuals. Applicants can also visit Paisabazaar app to apply for 1 crore personal loan.
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Get up to ₹50 Lakhs starting at 9.98%

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Features of Personal Loan of Rs 1 Crore

  • No end-usage restriction
  • For personal purposes other than speculation
  • Digital loan application
  • Instant loan disbursal in just few seconds

Interest Rates for 1 Crore Personal Loan

Personal loan interest rates usually start from 9.98% p.a. However, some PSU banks might offer lower interest rates as well. Lenders usually set their personal loan interest rates depending on the credit profile of the applicants. Individuals applying for a personal loan of Rs 1 crore might be offered higher rate of interest due to no collateral involved.

Fees and Charges for Rs 1 Crore Personal Loan

Below-mentioned are the fees and charges levied by personal loan lenders on their applicants:

Particulars Charges
Processing Fees Up to 4% of loan amount
Foreclosure Charges 1%-5% of the outstanding loan amount
EMI bounce charges Around Rs 400
Penal Interest Rate 2% per month

Eligibility Criteria of Applicants Availing Personal Loan of Rs 1 Crore

Below-mentioned is the eligibility criteria of personal loan applicants availing personal loan of Rs 1 crore:

  • The minimum age of the applicant at the time of loan application should be 18 years and the maximum loan amount at the time of loan maturity should be 60 years.
  • The EMI/NMI ratio of the applicant should be 50-55% including the existing EMIs and EMI of the proposed personal loan.
  • Salaried and self-employed individuals with a very high income are eligible for personal loan of Rs 1 crore.
  • Applicants having a credit score of 750 and above have higher chances of availing personal loans at lower interest rate.

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EMI Calculation of 1 Crore Personal Loan for Various Tenures

Below-mentioned is the EMI calculation for loan amount of 1 crore offered @ 9.99% p.a. For various tenures.  Before applying for a personal loan, individuals can use a personal loan EMI calculator available online to evaluate the total EMIs and interest cost payable throughout the loan tenure.

Loan Amount Tenure Interest Rate (p.a.) EMI (Rs)
10000000 1 year 9.99% 8,79,112
10000000 2 years 9.99% 4,61,403
10000000 3 years 9.99% 3,22,625
10000000 4 years 9.99% 2,53,578
10000000 5 years 9.99% 2,12,421

Documents Required for Availing 1 Crore Personal Loan

Below-mentioned are the common documents required by the lenders during personal loan application. However, the documents might vary for individuals availing loan amount of Rs 1 crore.

  • ID Proof- Aadhar card, Driving License, PAN card, Voter ID, Passport
  • Address Proof- Utility bills, Aadhar card, Driving License, PAN card, Voter ID, Passport
  • Banks statement for last 6 months
  • Salary slips for past 3 months
  • ITR for self-employed

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Avail Personal Loan for
All Your Needs

FAQs

No, not everyone can get such a high loan amount of Rs 1 crore. The loan amount offered depends on the repayment capacity and credit profile of the applicant.

The net monthly income of the applicant should be 50-55% of the EMIs including the existing EMIs and EMIs of the proposed personal loan.

Applicants having a strong credit profile, very high repayment capacity, a stable employment and EMI/NMI ratio of 50-55% can avail a personal loan of Rs 1 crore.

A personal loan of Rs 1 crore can be used for various personal purposes such as wedding, travel, medical emergency, education , etc., except for speculation.

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What our customers say

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

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20th Jan 2026Jan 20, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

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Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

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Amit ChahalJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

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Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

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Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

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Abhishek ThakuraJan 14, 2026
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