Paisabazaar Logo - Compare loans and credit cards

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.

Amazon Pay
Get up to ₹1,000*Amazon PayVoucher on disbursal
Valid till 15th November '25
Valid till 15th November '25*T&C Apply

Check Personal Loan Offers Online

Customer Rating

4.2/5

2839 Reviews

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

Paisabazaar Exclusive Benefits

Icon image of Wide Choice

Wide Choice

Curated offers from 30+ lenders

Icon image of Quick Disbursal

Quick Disbursal

Money in your account instantly

Icon image of SmartMatch

SmartMatch

Offers ranked according to eligibility

Icon image of Digital Process

Digital Process

Hassle-free & paperless

Illustration

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 ₹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 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

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.

Avail Personal Loan For
All Your Needs

Avail Personal Loan Banner

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
View All Partners

Avail Personal Loan For
All Your Needs

Avail Personal Loan Banner

FAQs

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

Excellent platform

Excellent platform for personal loan comparison! Their EMI calculator helped me pick the best tenure & my monthly emi.

icon image of avatar
Manish KumarOct 23, 2025

Got personal loan instant

I was a medical emergency &amp; need funds instantly I applied for loan at Paisabazaar &amp; see I have a pre approved offers &amp; apply to it &amp; amount disbursed in 48 hours thanks to paisabazaar teams

icon image of avatar
Mansi SharmaOct 17, 2025

Got loan yesterday

I got a loan of 2 lakh from Paisabazaar. Until now, I didn&#x27;t know that it was so easy to get loan through Paisabazaar. They helped me with all documents and process and my loan was sanctioned yesterday itself.

icon image of avatar
Priyanka SharmaOct 15, 2025

Got personal loan in a few minutes

I had pre-approved offers. When I applied through Paisabazaar, I got my personal loan approved within a few minutes. The process was very hassle-free and the team was extremely cooperative.

icon image of avatar
Preeti SinghSep 26, 2025

Cibil kam tha fir bhi loan dila diya

Mera cibil kam tha fir bhi paisabazaar walo ne loan dila diya mujhe jo bohot jaruri tha.

icon image of avatar
Pawan SehrawatSep 25, 2025

Personal loan quick approved

My personal loan was quick approved on Paisabazaar. Everything was online and I was not required to submit any more documents.

icon image of avatar
Vivaan ShahSep 24, 2025

Loan Approved in on day

I confused between HDFC & Axis personal loans, but Paisabazaar showed me all the offers side by side. I apply in 10 minutes and got approval the next day!

icon image of avatar
Rahul MehtaSep 23, 2025

Personal loan mila yahaan se

Mujhko personal loan mila yahaan se bina koi dikkat hue. Maine toh online apply kiya aur 3 lakh ka loan mila 2 saal ke liye.

icon image of avatar
Pankaj SinhaSep 22, 2025

Great Customer support and response

Quick and efficient support team of Paisabazaar. Proper knowledge of product and good customer relationship by Abhishek Singh.

icon image of avatar
ABhisekh BordoloiSep 21, 2025

Got personal loan from Paisabazaar

I applied for personal loan from paisabazaar and it was disbursed in 2 days. My immediate requirement was fulfilled just in time. Thanks guys for the prompt response and quick approval.

icon image of avatar
Pranoy SenSep 19, 2025
View All Testimonials
Vandana Punj profile
Reviewed ByLinkedIn icon
Vandana Punj
Shamik Ghosh profile
Written ByLinkedIn icon
Shamik Ghosh

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

*Applicable for selected customers