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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, lenders like IDFC FIRST Bank offers 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 visit Paisabazaar app to apply for 1 crore personal loan.

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Personal Loan EMI Calculator

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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 Fee₹ 6,500
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹40L
Rate of Interest9.99% - 17.15%
Tenure upto1-5 Years
Processing Fee1% - 1.5%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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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

  • Collateral-free loans
  • 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

Swipe to see more table data

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

Personal Loan Offers for Various Loan Amounts

1 Lakh Personal Loan 2 Lakh Personal Loan
4 Lakh Personal Loan 5 Lakh Personal Loan
6 Lakh Personal Loan 10 Lakh Personal Loan
15 Lakh Personal Loan 20 Lakh Personal Loan
30 Lakh Personal Loan 40 Lakh Personal Loan
50 Lakh Personal Loan 75 Lakh Personal loan

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

Explore Our Personal Loan Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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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

Personal Loan

Maine Paisabazaar se personal loan apply kiya or Jaldi approval bhi mil gaya aur zyada documents bhi nahi lage.

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Abbaz AhmedApr 10, 2025

Got pre-approved Loan offer

I was looking for Personal loan and came across this platform. I applied online and received multiple loan offers instantly and got a pre-approved offer, and the amount was disbursed within 48 hours.

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Loan for Home Renovation

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Get personal loan

Paisabazaar se pre-approved personal loan jadi milgya.. Or 48 hours mai paisa account mai agya.. Team is very helpful

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Kirti GargDec 15, 2024

Good experience

Good experience with Paisabazaar! Loan approval hua within 48 hours aur rates bhi kaafi reasonable the.

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Main Travel k liye loan apply kiya tha.. jo jaldi hi approve hogya or account mai agya.

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Last updated: 15 September, 2025

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