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₹10 Lakh Personal Loan
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₹10 Lakh Personal Loan EMI Calculator
1,45,000
18
12
Total interest
0
Monthly instalment
0
Disclaimer: Our personal loan EMI calculator provides estimated values, final eligibility and loan details are subject to bank approval.
39 Mn+
App downloads
9 Mn+
Loans given
₹40,000 Cr+
Money disbursed
8,500+
Partner tie-ups
₹10 Lakh Personal Loan Online with Fibe
There are times when unplanned expenses go against your plans, be it medical emergencies, unavoidable home renovations, or last-minute travel plans. That’s when you may require a ₹10 lakh loan to cover all your financial needs without waiting in lines, multiple visits and complicated documentation.
At Fibe, you can easily apply for a ₹10 lakh loan online in a few clicks. The process is entirely online with a wide range of offerings and you can select a repayment tenure that fits your pocket. Once you get approval, the funds will be credited to your bank account quickly, so your plans aren’t delayed.
How to Apply for a ₹10 lakh Personal Loan?
Benefits of Personal Loan of ₹10 Lakhs
Medical, education, or home expenses without halting plans
Flexible repayment tenures so EMI for personal loan of ₹10 lakh is within your means
A fully digital process for loan up to ₹10 lakh with regular updates
Quick disbursal for a ₹10 lakh loan needed situation
Medical, education, or home expenses without halting plans
Flexible repayment tenures so EMI for personal loan of ₹10 lakh is within your means
A fully digital process for loan up to ₹10 lakh with regular updates
Quick disbursal for a ₹10 lakh loan needed situation
₹10 Lakh Loan Eligibility Criteria and Documents Required
Eligibility Criteria
Age:
19-55 years
Residence:
Must be an Indian resident
Monthly Income:
Min ₹20,000 in-hand salary
Documents Required
Identity Proof:
Aadhaar, PAN, Voter ID
Address Proof:
Bank statement, utility bill
Income Proof:
3-month salary slips/bank statements for personal loan up to ₹10 lakhs
Bank Details:
Active savings account
Fees & Charges for ₹10 Lakh Personal Loan
| Fee type & Charges | |
|---|---|
| Loan amount | ₹10 lakhs |
| Rate of interest | Starting from 18% per annum on reducing balance basis |
| Processing Fees | Starting from 2% of the loan amount plus GST |
| Tenure | 6 to 36 months |
| APR | Starting from 18% |
| Bounce Charges | ₹500 plus GST |
| Late Payment Charges | ₹ 500 or 3% of overdue whichever is higher plus applicable taxes |
| Stamp Duty | 0.1% of the loan amount |
| Mandate Rejection Charges | ₹250 plus GST |
| Foreclosure Charges | Nil |
Why Should You Choose a ₹10 Lakh Personal Loan?
If you want one loan that’s quick, clear and truly app-first, Fibe keeps things simple. See your offer, pick a tenure and complete KYC online — no back-and-forth. You can track everything on the app, understand charges upfront and plan repayments before you commit. Once approved, disbursal is fast, which is ideal when you’re aiming for an instant loan ₹10 lakh to cover urgent costs. It’s a convenient way to handle a loan ₹10 lakh with predictable EMIs.
₹10 Lakhs Personal Loan EMI for Different Tenures
Here's the updated ₹10 Personal Loan EMI for Different Tenures table, calculated at 18% p.a. on a reducing balance basis.
| Tenure (Months) | EMI (₹) |
|---|---|
| 6 | 1,79,880 |
| 12 | 91,688 |
| 18 | 64,951 |
| 24 | 49,924 |
| 30 | 41,573 |
| 36 | 36,154 |
EMI of ₹10 lakh personal loan (at 18% p.a.) will vary by tenure. Use this as a quick guide for ₹10 lakh personal loan EMI planning.
Multi-purpose personal loan options
Awards and Achievements
The industry recognises us as much as our customers love us! And so, Fibe has been featured in multiple leading publications, documenting our efforts in making credit accessible to you!
FAQs on ₹10 Lakh Personal Loan
Yes, if your monthly income can comfortably support the EMI after rent and existing commitments. Lenders typically check affordability, your repayment track record, and ongoing obligations before approving a ₹10 lakh loan.
There isn’t one fixed number for everyone. It depends on your total EMIs, credit history, and the tenure you choose. In the app, you can quickly see if you’re eligible for a loan up to ₹10 lakh.
If KYC and bank verification are completed smoothly, disbursal can be quick—sometimes within minutes after approval. That speed is why many people prefer an instant loan up to ₹10 lakh when timing is tight.
Often, yes. Approval depends on how much you already repay each month and whether your income can handle another EMI. If your repayment capacity works out, you may still qualify for a personal loan up to ₹10 lakh.
Yes, you can apply if you are a self-employed individual. You may be required to provide ITRs and bank statements to check the stability of your income, and if eligible, you can avail an instant loan of ₹10 lakh for business or personal purposes.
Extra tip: While comparing, make sure to check your ₹10 lakh personal loan EMI as per your monthly budget before finalizing the plan.
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Here's what our customers think of us!
Instant loan in minutes
I would like to thank Fibe (EarlySalary), few days back I met with an accident and I didn’t have much money to pay in one go. So, I took an instant cash advance from Fibe (EarlySalary). They helped me to clear all the medical bills in just 10 mins!
Subham Pawar
Quick and easy
The overall experience with Fibe was really good. I applied for an online personal loan and the service was very quick. The entire process was fast and smooth, and the loan was sanctioned without any hassles.
Shilpi Mukherjee
The cool new vibe to finance!
Download the Fibe App the cool new vibe to finance to avail of the loan in just a few clicks from anywhere
