Paisabazaar Logo - Compare loans and credit cards

75 Lakh Personal Loan

Icon image of Wide Choice

Wide Choice

Icon image of Quick Disbursal

Quick Disbursal

Icon image of SmartMatch

SmartMatch

Icon image of Digital Process

Digital Process

Illustration

Apply Personal Loan Online

google-play-icon

Google Play Store

4.5/5

15.5L Reviews

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

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 ₹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%

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

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

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

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

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

icon image of avatar
Sadia KhatunJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

icon image of avatar
Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

icon image of avatar
Ruchika TiwariJan 14, 2026

Medical Emergency thi, loan jaldi mil gya

Muhje ek medical emergency ke liye personal loan lena padha. Paisabazaar pe bht jaldi or smooth process tha. time pe kaam agaya.

icon image of avatar
Raj SinghJan 13, 2026

Compare karke sahi rate mila

Loan offers jab comapre kiya toh pata chala konse loan lene se muhje sahi mai faida hoga. Isiliye Paisabazaar muhje best laga.

icon image of avatar
Akrity PandeyJan 5, 2026

Personal loan fatfat mai mil gaya

Muhje paiso ki urgent need thi. Paisabazaar se loan jaldi or sahi rate pe mil gaya.

icon image of avatar
Riya MehraJan 5, 2026

Loan from Paisabazaar was actually paperless

I always used to think that the paperless loan is a myth. But on Paisabazaar, I applied for the pre approved loan from IDFC Bank and all documentation was already done. I just filled the form, did kyc and my loan was approved and disbuursed one the same day.

icon image of avatar
Tanmay BorkatakiDec 12, 2025

Best place for a small loan

I have take loan of 60-70000 three times from paisabazaar in 4 years and every time it has been a very good experience. They provide the loan without failure and have also helped me improve my cibil.

icon image of avatar
Aridaman Singh ParhichaDec 11, 2025

My loan got approved immediately

I wanted a loan and I was able to get it approved through Paisabazaar. It was instantaneous and I got the amount in my account in 2 days only.

icon image of avatar
Priyam Sarkar MajumdarDec 10, 2025

I get loan from here

I get loan from Paisabazaar here and it is very quickly given to me.

icon image of avatar
Bilal ZaidiDec 9, 2025
View All Testimonials
Vandana Punj profile
Written ByLinkedIn icon
Vandana Punj
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh

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

*Applicable for selected customers