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75 Lakh Personal Loan

While the standard personal loan amount offered by most banks and NBFCs goes up to Rs. 50 lakh, Rs. 75 lakh personal loan is offered in special cases. Mostly, for a loan of Rs. 75 lakh, the eligibility varies with income requirement being on the higher side.

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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 Interest10.5% - 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

Interest Rate for Rs. 75 Lakh Personal Loan

Personal loan interest rates usually starts from 9.99% p.a. However, the interest rate for a Rs. 75 lakh personal loan may be on the higher side owing to the higher loan amount. Key factors influencing your final interest rates are:

  • Credit score
  • Loan Amount
  • Loan Tenure
  • Employment type & stability

Eligibility Criteria for a Rs. 75 Lakh Personal Loan

A Rs 75 lakh personal loan is a substantial loan amount. Lenders will only approve loans for individuals with a solid financial background and a high monthly income. Key requirements include:

  • Minimum monthly income: Usually on the higher end
  • Credit score: Excellent credit profile with a credit score of 750 and above
  • Employment: Stable job in a reputed company or self-employed professional/business owner with strong financials.

Note: Existing relationship with the bank/NBFC offering the loan will help secure the loan easily.

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

Tips to Increase Chances of Approval

  • Maintain a high credit score and clear repayment history
  • Ensure low existing EMIs and obligations
  • Apply with a bank you already have a premium account/relationship.
  • Keep income proofs and financials updated

Also Read: Personal Loan without Salary Slip

Benefits of Availing a ₹75 Lakh Personal Loan

  • Quick access to large funds without pledging assets.
  • Flexible repayment tenure with EMI options.
  • Exclusive offers for premium banking customers.
  • Suitable for both personal high-value needs.

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Documents Required for Rs. 75 Lakh Personal Loan

The commonly required personal loan documents are listed below:

  • Identity Proof: Any one of these: Passport, Voter ID, Driving Licence, Aadhaar, or PAN Card for both salaried and self-employed
  • Address Proof: Aadhaar, Voter ID, Passport, or latest Utility Bill for both salaried and self-employed
  • Income Proof:
    • Salaried Applicants: Salary slips, Form 16, or Bank account statements
    • Self-employed: Previous year’s ITR, Profit & Loss Account, Balance Sheet, and Bank account statements

EMI Calculation for Rs. 75 Lakh Personal Loan

Tenure 9.99% 12% 14%
1 year Rs. 6,59,334 Rs. 6,66,366 Rs. 6,73,403
2 years Rs. 3,46,052 Rs. 3,53,051 Rs. 3,60,097
3 years Rs. 2,41,969 Rs. 2,49,107 Rs. 2,56,332
4 years Rs. 1,90,183 Rs. 1,97,504 Rs. 2,04,949
5 years Rs. 1,59,316 Rs. 1,66,833 Rs. 1,74,512

Use a Free Personal Loan EMI Calculator to understand your affordability.

Swipe to see more table data

Fees & Charges

Particulars Applicable Charges
Loan Processing Fee Between 0.5% and 4% of the loan amount
Prepayment / Foreclosure Floating Rate Loans – No charges
Fixed Rate Loans – Usually 2% to 5% of the outstanding principal
Loan Cancellation Generally around ₹3,000
Stamp Duty As per applicable state laws
Legal Charges Based on actuals
Penal Interest About 2% per month (24% annually)
EMI / Cheque Bounce Approximately ₹400 per bounce

How to Apply for Personal Loan Online

To apply for a personal loan online, follow the steps mentioned below:

  1. Visit the Paisabazaar app or the website
  2. Fill in your phone number
  3. Enter the asked details
  4. Enter the received OTP
  5. Browse through the offers

Personal Loan Options for Different 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 3 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

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FAQs

Yes, but it is rare. Only select banks and NBFCs offer such high-value personal loans, usually to HNIs, senior professionals, and individuals with excellent credit profiles.

Applicants must have a high monthly income, a strong credit score (750+), stable employment/business, and preferably an existing banking relationship.

Interest rates typically range from 9.99% p.a., depending on the lender, your credit score, and income profile.

Most lenders offer it as an unsecured loan based on income and creditworthiness.

The repayment tenure usually ranges between 12 months to 7 years, depending on the bank/NBFC and borrower’s profile. 

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Last updated: 5 September, 2025

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