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75 Lakh 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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Why Choose Paisabazaar?
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Compare & Choose the Best Offer

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Pre-approved Offers with Instant Disbursals

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Know Your Chances of Approval

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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

Interest Rate for Rs. 75 Lakh Personal Loan

Personal loan interest rates usually starts from 9.98% 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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All Your 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 9.98% 12% 14%
1 year Rs. 6,59,299 Rs. 6,66,366 Rs. 6,73,403
2 years Rs. 3,46,018 Rs. 3,53,051 Rs. 3,60,097
3 years Rs. 2,41,933 Rs. 2,49,107 Rs. 2,56,332
4 years Rs. 1,90,147 Rs. 1,97,504 Rs. 2,04,949
5 years Rs. 1,59,279 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

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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All Your Needs

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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 9.98% 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. 

Personal Loan Articles

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What our customers say

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.

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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.

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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.

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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.

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Suraj VermaDec 3, 2025

Same day approval. wow.

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

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Paisabazaar helped me compare multiple loan offers in minutes, and I got the best rate without any paperwork.

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Itna Badhiya Rate and Service Hai!

Apke yaha itna acha interest rate mil gya market mei sabse kum and service toh aur bhi achi h. thank you.

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Best Interest Rate Offer

Got the best interest rate on your website. Best assistance and seamless experience.

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Best Marketplace to Shop for Loans

Your website is the best to apply for a personal loan. Got my loan disbursed within 3 days. So easy and hassle-free.

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Nikita SharmaDec 2, 2025

Fast loan approval

I got my loan approved within 24 hours. The process was fast, transparent, and reliable, exactly what I was looking for.

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