Now is the time to fulfill all your dreams. Get a personal loan of up to ₹10 lakh with Bikesh Finserv and turn all your dreams into reality.
Loan amount
₹10,00,000
Starting rate
9.97% p.a.
Disbursal
30 minutes to 4 hours
Interest rates from 9.97% p.a., compared across multiple lenders
100% digital process with minimal documentation
Disbursal in 30 minutes to 4 hours after approval
Higher approval odds for salaried employees
Your EMI will be
₹32,502
Total Interest Payable
₹1,70,088
Total Amount Payable
₹11,70,088
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Rates, fees, and disbursal timelines are indicative and may vary by lender, profile, and loan amount. *Terms & conditions apply.
| Feature | Details |
|---|---|
| Loan Amount | 10 Lakh |
| Interest Rate | 9.97% to 18% p.a. |
| Repayment Tenure | 12 to 72 months |
| Processing Fee | 0.5% to 3% of loan amount |
| Disbursal Time | 30 minutes to 4 hours after approval |
| CIBIL Score Required | 750+ for best rates. |
| Collateral Required | None |
| Minimum Salary | ₹20,000+ (metro), ₹15,000+ (non-metro) |
| Work Experience | 1+ year total |
| Bank/NBFC | Interest Rates (% p.a.) | Processing Fees |
|---|---|---|
| Aditya Birla Capital | 10.99 onwards | Up to 4% |
| Axis Bank | 10.49 onwards* | Up to 2% |
| Bank of Baroda | 10.15 – 18.00 | Up to 2% (Max. Rs. 10,000) |
| Bajaj Finance Limited | 11.00 – 35.00 | Up to 3.93% |
| HDFC Bank | 10.50 onwards | Up to Rs. 4,999 |
| ICICI Bank | 10.65 onwards | Up to 2% |
| Kotak Mahindra Bank | 10.99 onwards | Up to 2.5% |
| IDFC First Bank | 11.00 onwards | Up to 2% |
| IndusInd Bank | 11.25 onwards | Up to 2% |
| Yes Bank | 11.75 onwards | Up to 2.5% |
| Tata Capital | 11.50 onwards | Up to 3% |
| L&T Finance | 12.00 onwards | Up to 3% |
| Poonawalla Fincorp | 12.50 onwards | Up to 3.5% |
| Piramal Finance | 12.99 onwards | Up to 3% |
| InCred Finance | 13.00 onwards | Up to 4% |
| SMFG India Credit | 12.75 onwards | Up to 3% |
| Finnable | 13.50 onwards | Up to 4% |
*Bikesh Finserv special rates
Note: Rates as of 6th June 2026
Explore personal loans by amount
Explore personal loans by amount
Here's an indicative EMI for a 10 lakh personal loan at 10.5% p.a.:
| Loan Amount (Rs.) | Interest Rate (p.a.) | Tenure | EMI (Rs.) | Interest Cost (Rs.) |
|---|---|---|---|---|
| 10 lakh | 10.5% | 3 years (36 months) | 32,500 | 1,70,088 |
| 10 lakh | 10.5% | 5 years (60 months) | 21,500 | 2,89,634 |
| 10 lakh | 10.5% | 6 years (72 months) | 18,700 | 3,52,086 |
NOTE: These are approx. values, and figures are indicative; use Bikesh Finserv EMI calculator on the Personal Loan page for an exact figure based on your chosen lender, rate, and tenure.
Applying for a 10 lakh personal loan is easy, but checking your eligibility criteria is a first and foremost process.
If you're a salaried professional, lenders look at your monthly take-home salary, employer reputation, and existing EMI obligations. A stable job with at least 1 year of experience and a CIBIL score above 750 puts you in a strong position for a 10 lakh personal loan for salaried employees.
Self-employed applicants need to show consistent business income, usually through ITRs and bank statements for the last 2 years. A 10 lakh personal loan for self-employed individuals is based on profitability and business history rather than a fixed salary slip, so having clean, well-documented financials helps speed up approval.
Always keep ready your documents that are necessary for your loan approval.
Since this is a 10 lakh personal loan without collateral, your interest rate depends largely on your CIBIL score, income stability, and existing debt. Borrowers with a 750+ score consistently get offers closer to the 9.97% starting rate.
| Particulars | Charges |
|---|---|
| Interest Rate | 9.97% to 18% p.a., based on credit profile and lender |
| Processing Fee | 0.5% to 3% of loan amount |
| Tenure | 12 to 72 months |
| Collateral | None |
Applying for a 10 lakh personal loan through Bikesh Finserv is completely digital.
Got questions?
You typically need a minimum monthly income of more than Rs.20,000, though a higher income improves your loan amount eligibility and interest rate.
Interest rates start from 9.99% p.a. for applicants with strong credit profiles and a CIBIL score of 750 or above.
Yes, many salaried applicants with a strong CIBIL score and complete documentation receive instant approval, with disbursal in as little as 30 minutes.
No. This is an unsecured personal loan, so no property, gold, or other asset needs to be pledged
We at Bikesh Finserv provide you Minimal documentation, 100% transparency, Zero hidden charges, Up to 100% cashback of processing fees, 24/7 customer support.
Compare offers, check eligibility, and get funds for your Rs. 10 lakh personal loan.
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