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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 Fee6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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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

Apply Now

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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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.

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

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

Apply Now

Avail Personal Loan for
All Your Needs

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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. 

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What our customers say

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026
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