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Personal Loan for Rs. 80,000 Salary

A salary of Rs. 80,000 makes you eligible for personal loan offers from most banks and NBFCs. In addition to salary, lenders check your credit score and other factors to assess your creditworthiness. You can compare and apply from 30+ personal loan offers through Paisabazaar with minimal documentation.

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Wide Choice

Curated offers from 30+ lenders

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Quick Disbursal

Money in your account instantly

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SmartMatch

Offers ranked according to eligibility

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Digital Process

Hassle-free & paperless

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Personal Loan EMI Calculator

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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 Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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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

Why Apply for Personal Loans Through Paisabazaar?

  • Get personal loan from various top banks such as Axis Bank, ICICI Bank, HDFC Bank, IDFC FIRST Bank, Kotak Mahindra Bank, IndusInd Bank, YES Bank and over 30+ lenders
  • Avail a personal loan with minimal documentation
  • Avail loan of up to Rs. 40 lakh from top banks and NBFCs with a digital application process
  • Know your chances of approval
  • Check your credit score for free
  • Pre-Approved offers from Axis Bank, Tata Capital, IndusInd Bank Hero Fincorp, and more.

Eligibility Criteria for Salaried Applicants Earning Rs. 80,000 Per Month

  • Credit score: Usually 750+ is preferred by most lenders.
  • Age: 18 to 60 years.
  • Permanent salaried employees working in MNCs, PSUs or reputed corporations.
  • Lenders generally require a minimum 1 year of work experience.

Pre-Approved Personal Loan Offers on Rs. 80,000 Salary

Pre-approved personal loans enable you to get loans approved quickly and with minimum documentation. If you have a good credit score, a good repayment history and regular monthly income, you may be eligible for pre-approved personal loans. 

You can get pre-approved offers from Axis Bank, Tata Capital, IndusInd Bank, Federal Bank, Hero Fincorp, Aditya Birla Capital, etc., through Paisabazaar.

What Banks Offer on Rs. 80,000 Salary: Loan Amounts & Minimum Income Criteria

Bank/NBFC Minimum Salary Requirement Maximum Loan Amount
ICICI Bank Rs. 30,000 Up to Rs. 50 lakh
HDFC Bank Rs. 25,000 Up to Rs. 40 lakh
Kotak Mahindra Bank Rs. 25,000 for Kotak Bank Salary Accountholders;

Rs. 30,000 for Non-Kotak Bank Salary Accountholders

 Up to Rs. 40 lakh
State Bank of India Rs. 20,000 for Government/Defense Sector Employees;

Rs. 25,000 for Corporate Sector Employees

 Up to Rs. 35 lakh
IndusInd Bank Rs. 25,000 Up to Rs. 50 lakh
Axis Bank Rs. 15,000 for Axis Bank Customers;

Rs. 25,000 for Non-Axis Bank Customers

 Up to Rs. 10 lakh

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How Much Personal Loan Amount Can you Get on Rs. 80,000 Salary?

EMI/NMI Ratio

Lenders generally prefer that your EMI should not exceed the 50%-55% limit of your net monthly income. For example, you apply for a personal loan of Rs. 5 lakh @ 10% p.a. with a salary of Rs. 80,000 and have no other existing EMIs. In this case, the EMI of the proposed loan would be Rs. 16,134, and the tenure option offered would usually be for 36 months. Note that lenders usually prefer to set the personal loan amount and repayment tenure to ensure that your EMI remains around 50%-55% of your monthly income. 

Multiplier Method

Most personal loan lenders use a multiplier method to calculate your maximum loan amount. It usually ranges between 12%-24% of your NMI or Net Monthly Income. Moreover, your existing EMIs also play a crucial role in determining your loan eligibility.

Documents Required for Personal Loan Application

General Personal Loan Documents

  • Passport-size photographs
  • Identity Proof: Aadhaar Card/PAN/Passport/ Voter’s ID/Driving License
  • Address Proof: Aadhaar Card/Passport/Driving License/Electricity Bills (not more than 3 months old)
  • Income Proof: Salary Slips/Form 16/Bank Account Statement

Digital Document Processing/Paperless Documents

No physical documents are needed for digital personal loans. The application is processed via e-KYC or digital KYC processes. Generally, only PAN and Aadhaar numbers are required.

Documents for Pre-Approved Loans

Pre-approved personal loans do not require any documentation, as the lender already has your KYC documents and the initial credit assessment of their customers is already done.

Tips to Get the Best Personal Loan Offer on 80000 salarly

  • Build and maintain a credit score above 750
  • Avoid making multiple loan inquiries within a short period of time
  • Keep your existing EMIs minimal
  • Select a shorter tenure for lower overall interest outgo
  • Use your salary bank account to get preferential rates
  • Compare at least 3–5 loan offers before you apply

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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What our customers say

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Get a personal loan from paisabaaz customer support is very supportive loan disburse in 2 days thanks team

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DeeptiAug 2, 2025

Compare and Applied

Hi, I can easily choose the right loan offers for me with the help of Paisabazaar. Previously, I tried fincover for the same, but I can decide while checking with you. Thank you

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ajayJul 24, 2025

Applied for a loan for my old house renovation

Day beforeYesterday, I applied for a loan for my old house renovation from Paisabazaar, and the experience was good. The application was straightforward, and this morning I received a message that my loan has been approved. I was quite shocked at how fast it got approved. I liked your service!

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ARJUN GUPTAJun 13, 2025

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compare personal loan offers from so many banks in one place. Got personal loan from HDFC at best rate.

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Travel Loan Without Any Hassle

I get a loan for my trip. Got 1 lakh with easy emi options. It was all online no paperwork. A little delay in approval, but worth the wait!

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Aditya MalhotraMay 14, 2025

Sneha Rathi

I get personal loan on good rate and no hidden charges. Super easy process and great customer service!

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Sneha RathiMay 13, 2025

Best Service

I urgently needed 1.5 lakh for my father’s surgery, and I applied from paisabazaar they approved my loan. everything digital and transparent process.

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Rahul VermaApr 1, 2025

Applied for a personal loan

I recently applied for a personal loan from this website, the whole process was super smooth! I was looking for 3 lakh for some urgent expenses, and within just 2 days, the amount was credited to my account.

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Priya MehtaMar 13, 2025

Apply for Loan

Good and polite staff! Really helpful on processing my loan

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Abrar SanJan 23, 2025

Kudos to the Team

Highly Professional Team and professional services for loans. I am quite satisfied with the services they offer to their clients. Kudos to the Team .

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Abhijeet KumarJan 13, 2025
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