हिंदी में पढ़े
Apply for Rs 10 Lakh Personal Loan from Multiple Banks & NBFCs at One Place
HDFC Bank
Up to ₹40L
10.9% - 24%
Upto 6 Years
₹6,500
Axis Bank
Up to ₹10L
11.25% - 22%
Upto 5 Years
Upto 2%
Kotak Mahindra Bank
Up to ₹35L
10.99% - 16.9%
Upto 6 Years
Upto 5%
IDFC FIRST Bank
Up to ₹10L
10.7% - 23.99%
Upto 5 Years
Upto 2%
ICICI Bank
Up to ₹50L
10.85% - 16.65%
1-6 Years
Upto 2%
Rs. 10 lakh Personal Loan
Salaried and self-employed individuals can apply online for a personal loan of Rs. 10 lakh by checking their eligibility criteria and comparing from various loan options offered by leading banks and NBFCs.
The possibility of availing personal loan of Rs. 10 lakh shall primarily depend on your age, income, employment type, work experience, employer’s profile, etc. Consumers with a strong credit profile and high and stable income have better chances of getting their personal loan application approved from lenders. For instant approval and quick disbursal without documents, you may check on Paisabazaar, if you are an eligible pre-approved personal loan customer.
Key Features & Benefits
Find below the main features and benefits that you can enjoy while availing personal loan of Rs. 10 lakh:
- Unsecured loan: No collateral/security required
- End-to-end digital process
- Loan Amount: Rs. 10 lakh (may exceed as per the requirements)
- Interest Rate: 10.50% p.a. onwards
- Repayment Tenure: Up to 6 years
- Instant approval and quick disbursal via pre-approved loans for select consumers
- Easy and quick documentation processes
Personal Loan Interest rates
Personal loan interest rates usually varies across banks, NBFCs and various other financial institutions. The interest rates are generally influenced by factors, such as your income, credit score, job stability and employer’s profile.
Top Banks/NBFCs Offering Rs. 10 Lakh Personal Loan in 2025
| Lenders | Interest Rates (p.a.) |
| Aditya Birla Capital | 12.99% onwards |
| Federal Bank | 12.00% onwards |
| Axis Bank | 14.00% onwards |
| SMFG India Credit | 14.00% onwards |
| IndusInd Bank | 15.00% onwards |
| Piramal Finance | 16.00% onwards |
| Tata Capital | 18.00% onwards |
| Hero Fincorp | 20.00% onwards |
Rs 10 Lakh Personal Loan: EMI & Interest Breakdown for (1-5 Year Tenures)
Let’s look at the personal loan EMI amounts for various loan tenures. EMI calculation for Rs 10 lakh loan at 10.50% p.a. interest for 1-5 year tenure.
| Principal Amount (Rs.) | 10 lakh | 10 lakh | 10 lakh | 10 lakh | 10 lakh |
| Tenure | 1 Year | 2 Year | 3 Year | 4 Year | 5 Year |
| Assumed Interest Rate | 10.50% | 10.50% | 10.50% | 10.50% | 10.50% |
| EMI (Rs.) | 88,149 | 46,376 | 32,502 | 25,603 | 21,494 |
| Interest Amount (Rs.) | 57,783 | 1,13,025 | 1,70,088 | 2,28,962 | 2,89,634 |
| Total Amount Payable (Rs.) | 10,57,783 | 11,13,025 | 11,70,088 | 12,28,962 | 12,89,634 |
Note: The exact personal loan EMI is determined by the lender and will be specified in the loan agreement based on the interest rate, loan amount, and loan tenure.
EMI Calculator
Prospective personal loan applicants can use Paisabazaar’s personal loan EMI calculator to calculate the EMI and payable for Rs. 10 lakh personal loan for various tenures and different interest rates. It is advisable to use an EMI calculator before applying for any kind of loan as it helps in assessing the monthly repayment amount.
EMI Calculator
₹
%
Year(s)
EMI Calculator
Monthly EMI ₹ 15,622
Total Amount Payble ₹ 5,62,395(Principal + interest)
Principal Amount ₹ 5,00,000
Total Interest Payble ₹ 62,395
