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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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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 ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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

  • 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.

Check Personal Loan Offers Based on Your Salary

Personal Loan for ₹25,000 salary Read More Personal Loan for ₹30,000 salary Read More Personal Loan for ₹50,000 salary Read More Personal Loan for ₹60,000 salary Read More Personal Loan for ₹80,000 salary Read More Personal Loan for ₹1,00,000 salary Read More

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

Check Personal Loan Offers in Your City

Delhi Personal Loan in Delhi hyderabad Personal Loan in Hyderabad Bangalore Personal Loan in Bangalore Chennai Personal Loan in Chennai Kolkata Personal Loan in Kolkata Mumbai Personal Loan in Mumbai

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

Personal Loan Articles

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Importance of No Dues Certificate in Personal Loan Closure

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Instant Personal Loan Apps: Avoid These 5 Pitfalls

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Reasons for Delay in Personal Loan Processing

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APR vs Interest Rate in Personal Loans: What’s the Difference?

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Tips to Choose an Ideal Personal Loan Tenure

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What our customers say

Highly recommended platform

I applied for a personal loan for medical emergency through Paisabazaar and got amazing service like nowhere else. The team was extremely cooperative and followed up with me until I had my loan amount in my account. My loan was disbursed within 24 hours. It is indeed an excellent platform for taking loans.

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Sunil YadavOct 29, 2025

Instant loan disbursal

I applied for a personal loan through Paisabazaar and got my loan disbursed in no less than 24 hours. The team was extremely cooperative, guided me through the entire process and followed up with me until I had my loan amount in my account. I highly recommend this platform to everyone looking for an urgent loan.

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Neha JainOct 29, 2025

Excellent platform

Excellent platform for personal loan comparison! Their EMI calculator helped me pick the best tenure & my monthly emi.

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Manish KumarOct 23, 2025

Got personal loan instant

I was a medical emergency &amp; need funds instantly I applied for loan at Paisabazaar &amp; see I have a pre approved offers &amp; apply to it &amp; amount disbursed in 48 hours thanks to paisabazaar teams

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Mansi SharmaOct 17, 2025

Got loan yesterday

I got a loan of 2 lakh from Paisabazaar. Until now, I didn&#x27;t know that it was so easy to get loan through Paisabazaar. They helped me with all documents and process and my loan was sanctioned yesterday itself.

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Priyanka SharmaOct 15, 2025

Got personal loan in a few minutes

I had pre-approved offers. When I applied through Paisabazaar, I got my personal loan approved within a few minutes. The process was very hassle-free and the team was extremely cooperative.

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Preeti SinghSep 26, 2025

Cibil kam tha fir bhi loan dila diya

Mera cibil kam tha fir bhi paisabazaar walo ne loan dila diya mujhe jo bohot jaruri tha.

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Pawan SehrawatSep 25, 2025

Personal loan quick approved

My personal loan was quick approved on Paisabazaar. Everything was online and I was not required to submit any more documents.

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Vivaan ShahSep 24, 2025

Loan Approved in on day

I confused between HDFC & Axis personal loans, but Paisabazaar showed me all the offers side by side. I apply in 10 minutes and got approval the next day!

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Rahul MehtaSep 23, 2025

Personal loan mila yahaan se

Mujhko personal loan mila yahaan se bina koi dikkat hue. Maine toh online apply kiya aur 3 lakh ka loan mila 2 saal ke liye.

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Pankaj SinhaSep 22, 2025
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