- Collateral-free loans.
- Competitive interest rates.
- To meet the urgent financial needs.
- Very short tenure.
- End-to-end digital processing.
- Minimal documentation.
- Instant loan disbursal.
10,000 Personal Loan

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Valid till 31st July '26
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Instant Personal Loan
Get up to ₹50 Lakhs starting at 9.98%
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Filters
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2.5%
Max. Loan Amount₹2 Crore
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2.5%
Max. Loan Amount₹2 Crore
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹4999+GST
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹4999+GST
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹40 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹40 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹12999+GST
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹12999+GST
Max. Loan Amount₹50 Lakh
Processing Time1 - 2 Days
Interest Rate10% onwards
Processing FeesUpto 1.2%
Max. Loan Amount₹75 Lakh
Processing Time1 - 2 Days
Interest Rate10% onwards
Processing FeesUpto 1.2%
Max. Loan Amount₹75 Lakh
Processing Time1 - 2 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹1 Crore
Processing Time1 - 2 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹1 Crore
Processing Time3 - 5 Days
Interest Rate17% onwards
Processing FeesUpto 4%
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate17% onwards
Processing FeesUpto 4%
Max. Loan Amount₹50 Lakh
Features of Personal Loan of Rs. 10,000
Can I Get a Rs. 10,000 Loan on Aadhaar Card?
If you are in need of an emergency loan of Rs. 10,000, you can absolutely get one using your Aadhaar card. Plenty of banks, NBFCs, and instant lending apps use it to fast-track applications. The Aadhar card serves as official proof of both your identity and address, enabling lenders to run a quick digital KYC and drop the cash straight into your bank account.
However, here is the reality check: an Aadhaar card for a Rs. 10,000 loan usually isn't enough on its own.
While it handles the identity side of things, most lenders will still ask for a few extra details to seal the deal:
At the end of the day, final approval comes down to your income and the lender's specific rules. Rs. 10,000 loan on an Aadhar card is one of the easiest ways to grab a small, hassle-free loan for unexpected expenses - just make sure to have your basic financial documents handy to speed up the process.
Also Read: Loan on Aadhar Card
Rs. 10,000 Personal Loan Interest Rates
Lenders usually offer personal loan interest rate after factoring in the credit score, minimum monthly income, EMI/NMI ratio, job profile, employer’s profile, etc. Note that, the interest rates offered vary across lenders.
Top Banks vs NBFCs for ₹10,000 Personal Loans
| Bank/NBFC | Interest Rates (% p.a.) | Processing Fees |
|---|---|---|
| Aditya Birla Finance | 10.99 onwards | Up to 4% |
| Axis Bank | 9.99 onwards* | Up to 2% |
| Bank of Baroda | 10.15-18.00 | Up to 2% (Max. Rs. 10,000) |
| Bajaj Finance Limited | 10.00-30.00 | Up to 3.93% |
| Bank of India | 10.85-16.15 | Up to 1% (Min. Rs. 250; Max. Rs. 15,000) |
| Bank of Maharashtra | 8.75-13.55 | Up to 1% (Max. Rs. 10,000) |
| Canara Bank | 9.70-15.15 | Up to 0.5% (Max. Rs. 5000) |
| Central Bank of India | 9.85-11.65 | Up to 1% |
| Cholamandalam IFC | 10.00-28.00 | 4% - 6% |
| Dhani Loans & Services Ltd. | 13.99 onwards | 3% onwards |
| Federal Bank | 12.00 - 22.50* | Up to 2% |
| HDB Financial Services | 10.00 - 35.00 | Up to 5.90% |
| HDFC Bank | 9.99 onwards | Up to Rs 6,500 |
| Hero Fincorp | Up to 30* | 2.3% - 3% |
| HSBC Bank | 9.75 onwards | Up to 2% |
| ICICI Bank | 9.99 onwards | Up to 2% |
| IDFC FIRST Bank | 9.99 onwards | Up to 2% |
| IIFL Finance | 12.00 - 28.00 | 2% - 9% |
| Indian Overseas Bank | 10.25 onwards | Up to 0.75% |
| IndusInd Bank | 10.35 onwards* | Up to 3.5% |
| Kotak Mahindra Bank | 9.98 onwards* | Up to 5% |
| L&T Finance | 11.00 onwards | Up to 3% |
| Mahindra Finance | 8.00 - 25.00 | 2% of loan amount or Rs. 5,000, whichever is lower |
| Mannapuram Finance | 18.00 - 24.00 | 1% of loan amount |
| Moneyview | 14.00 onwards | 2% onwards |
| Muthoot Finance | 13.50 onwards | Varies for each application |
| Piramal Finance | 12.14 onwards | Up to 5% |
| Poonawalla Fincorp | 9.99 onwards | Up to 3% |
| Punjab & Sind Bank | 9.60-13.85 | 0.50% - 1% |
| Punjab National Bank | 10.25-16.80 | Up to 1% |
| Shriram Finance | 11.00 onwards | Up to 5% |
| Tata Capital | 10.99 onwards | Up to 3.5% |
| UCO Bank | 9.95 - 13.20 | Up to 1% (Min. Rs. 750) |
| Union Bank of India | 8.75 - 12.55 | Up to 1% (Max. Rs. 7,500) |
*Paisabazaar special rates
Note: Rates as of 1st July 2026
Eligibility Criteria for Rs. 10,000 Personal Loan
Below-mentioned is the eligibility criteria set by the personal loan lenders:
Note that, the eligibility criteria might vary across lenders. Therefore, one must check his/her eligibility with the respective lender before making a loan application. Individuals can also check their eligibility using the Personal Loan Eligibility Calculator available at Paisabazaar.
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Documents Required During Loan Application
Below-mentioned is the complete list of documents required by the lenders during personal loan application. However, one must get the list of documents from the concerned lender before making a loan application.
How to Apply for Rs. 10,000 Personal Loan
Prospective borrowers can apply for a personal loan of Rs. 10,000 through Paisabzaar in the following steps:
- Login to Paisabazaar App.
- Go to the dashboard and click on “Personal Loan”.
- The app assesses your credit profile and shows customized offers matching the same.
- Compare the personal loan offers and check their interest rates, processing time, documentation and approval chances.
- Opt for the most suitable offer and apply.
Rs. 10,000 Personal Loan EMI Calculator
A personal loan EMI calculator is a financial tool that allows the individuals to evaluate their total EMIs and interest cost payable throughout the loan tenure. The individuals need to enter the interest rate, loan amount and loan tenure, and get instant results.
An EMI calculator is fast, accurate, time-saving, convenient and easy to navigate. It helps the individuals to assess their loan affordability even before loan application and make informed decisions.
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FAQs
Can you get a Rs. 10,000 personal loan without a salary slip?
Yes, individuals who do not have formal income documents are also eligible for personal loans.
Can I get a personal loan of Rs. 10,000 with a low CIBIL score?
Yes, you can get a Rs. 10,000 personal loan with a low CIBIL score. However, lenders might offer higher interest rates and stricter terms for individuals with a low CIBIL score.
Can I get a Rs. 10,000 personal loan instantly?
Yes, many fintechs and NBFCs offer personal loan of Rs. 10,000 instantly with minimal documentation.
Which is the best app for small instant loans in India?
Paisabazaar is one of the best loan app for small instant loans in India.
What is the EMI of Rs. 10,000 personal loan @ 9.98% p.a. for 6 months?
The EMI of Rs. 10,000 personal loan @ 9.98% p.a. for 6 months would be Rs. Rs. 1,716.
Personal Loan Articles
View All ArticlesPaisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.
The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.
The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.
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Get up to ₹50 Lakhs starting at 9.98%*
Get up to ₹50 Lakhs starting at 9.98%*








