Paisabazaar Logo - Compare loans and credit cards

1 Crore Personal Loan

Icon image of Wide Choice

Wide Choice

Icon image of Quick Disbursal

Quick Disbursal

Icon image of SmartMatch

SmartMatch

Icon image of Digital Process

Digital Process

Illustration

Apply Personal Loan Online

Customer Rating

4.2/5

2839 Reviews

51M+Satisfied Customers
65+Lending Partners
800+Cities across India

Find Best Personal Loan Offers

Sort by:

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%

Quick Links

Why Choose Paisabazaar?
image of Compare & Choose the <strong>Best Offer</strong>

Compare & Choose the Best Offer

image of Pre-approved Offers with <strong>Instant Disbursals</strong>

Pre-approved Offers with Instant Disbursals

image of Know Your <strong>Chances of Approval</strong>

Know Your Chances of Approval

image of End-to-End <strong>Digital Process</strong>

End-to-End Digital Process

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.

Avail Personal Loan For
All Your Needs

Avail Personal Loan Banner

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
View All Partners

Avail Personal Loan For
All Your Needs

Avail Personal Loan Banner

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.

Personal Loan Articles

Importance of No Dues Certificate in Personal Loan Closure - Article image

Importance of No Dues Certificate in Personal Loan Closure

icon image of Paisabazaar
Paisabazaar02 Sept 2025
Loan rejected despite high income? Here’s what you need to know - Article image

Loan rejected despite high income? Here’s what you need to know

icon image of Paisabazaar
Paisabazaar19 Aug 2025
Personal Loan for First Time Borrowers: What Customers Must Know - Article image

Personal Loan for First Time Borrowers: What Customers Must Know

icon image of Paisabazaar
Paisabazaar04 Aug 2025
How I Saved Rs 22,000 on My Personal Loan through Prepayment - Article image

How I Saved Rs 22,000 on My Personal Loan through Prepayment

icon image of Bhumika Khandelwal
Bhumika Khandelwal31 Jul 2025
How Have Personal Loans Advanced Over the Past few Years - Article image

How Have Personal Loans Advanced Over the Past few Years

icon image of Paisabazaar
Paisabazaar17 Jul 2025
Factors To Consider While Selecting a Personal Loan Lender - Article image

Factors To Consider While Selecting a Personal Loan Lender

icon image of Paisabazaar
Paisabazaar16 Jul 2025
Instant Personal Loan Apps: Avoid These 5 Pitfalls - Article image

Instant Personal Loan Apps: Avoid These 5 Pitfalls

icon image of Bhumika Khandelwal
Bhumika Khandelwal16 Jul 2025
Reasons for Delay in Personal Loan Processing - Article image

Reasons for Delay in Personal Loan Processing

icon image of Paisabazaar
Paisabazaar09 Jul 2025
APR vs Interest Rate in Personal Loans: What’s the Difference? - Article image

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

icon image of Bhumika Khandelwal
Bhumika Khandelwal07 Jul 2025
Tips to Choose an Ideal Personal Loan Tenure - Article image

Tips to Choose an Ideal Personal Loan Tenure

icon image of Paisabazaar
Paisabazaar07 Jul 2025
View All Articles
quotes icon

What our customers say

Loan from Paisabazaar was actually paperless

I always used to think that the paperless loan is a myth. But on Paisabazaar, I applied for the pre approved loan from IDFC Bank and all documentation was already done. I just filled the form, did kyc and my loan was approved and disbuursed one the same day.

icon image of avatar
Tanmay BorkatakiDec 12, 2025

Best place for a small loan

I have take loan of 60-70000 three times from paisabazaar in 4 years and every time it has been a very good experience. They provide the loan without failure and have also helped me improve my cibil.

icon image of avatar
Aridaman Singh ParhichaDec 11, 2025

My loan got approved immediately

I wanted a loan and I was able to get it approved through Paisabazaar. It was instantaneous and I got the amount in my account in 2 days only.

icon image of avatar
Priyam Sarkar MajumdarDec 10, 2025

I get loan from here

I get loan from Paisabazaar here and it is very quickly given to me.

icon image of avatar
Bilal ZaidiDec 9, 2025

Excellant EMI calculator and expert assistance available

The EMI calculator helped me choose the right repayment plan. Clear guidance at every step made the loan process really easy.

icon image of avatar
Mohit YadavDec 3, 2025

Fully Digital Process for Real.

Loved the real-time loan status updates.Everything was handled online — didn’t have to visit any branch.

icon image of avatar
Gautam BakshiDec 3, 2025

Lower Rate than My Own Bank

Got a lower interest rate than my bank was offering.Smooth digital verification and quick disbursal.

icon image of avatar
Shivani SuryaDec 3, 2025

Pre-approved offers with quick approval

I liked how Paisabazaar showed pre-approved offers without affecting my credit score. Customer support was prompt and helped me close the loan quickly.

icon image of avatar
Suraj VermaDec 3, 2025

Same day approval. wow.

The loan was approved the same day — super smooth and transparent process.

icon image of avatar
Shiv KumarDec 3, 2025

Best Loan Terms on My Credit Score in the Market

Paisabazaar helped me get a loan even with a borderline credit score. Really impressed with how smooth everything was.

icon image of avatar
SunnyDec 3, 2025
View All Testimonials
Vandana Punj profile
Written ByLinkedIn icon
Vandana Punj
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers