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Rs.4 Lakh Personal Loan

Fincover is the place that provides wings to your dreams. Get personal loan upto Rs. 4 Lakhs with ease and fulfil your commitments easily.


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Personal Loan of Rs.4 Lakh

Get personal loan of Rs. 4 lakhs and get the financial flexibility you deserve. Whether it’s pursuing higher education, planning a grand celebration, or simply taking charge of unexpected expenses, you can fulfil it through personal loan of Rs. 4 Lakhs. Say hello to a world of possibilities. Embark on a journey towards financial freedom.

Features and Benefits of Rs. 4 Lakh Personal Loan

  • Generous Loan Amount: Secure up to 4 lakhs to meet your diverse financial needs.
  • Quick Approval: Swift and hassle-free approval process to get you the funds when you need them the most.
  • Flexible Repayment Plans: Tailor-made plans that align with your financial goals and lifestyle.
  • Competitive Interest Rates: Enjoy attractive interest rates, ensuring a pocket-friendly repayment experience.
  • No Collateral Required: Unsecured loans mean no pledging of assets. You do not have to keep any collateral for the same
  • Transparent Process: No hidden fees or surprises. Get your loan credited in a transparent manner

Bank Interest rates for Rs.4 Lakh Personal Loan

InstitutionInterest ratesLoan amount
HDFCFrom 10.5%Upto 40 Lakhs
Axis BankFrom 10.49%`Upto 40 Lakhs
ICICI bank10.75%-19%Upto 40 Lakhs
Bank of Baroda10.75% – 18.5%Upto 5 Lakhs
SBIFrom 11%Upto 30 Lakhs
IndusIndFrom 10.49%Upto 50 Lakhs
Yes BankFrom 10.99%Upto 40 Lakhs
Standard CharteredFrom 11.5%Upto 50 lakhs
IDFCFrom 10.49%Upto 50 Lakhs
Kotak MahindraFrom 10.99%Upto 40 Lakhs
PNBFrom 11.40%Upto 20 Lakhs
Bandhan bankFrom 11.55%Upto 25 Lakhs

NBFCs Interest rates for Rs.4 Lakh Personal Loan

Institution Interest rates Loan amount
Tata Capital From 10.99% Upto 35 Lakhs
InCred From 18% Upto 3 Lakhs
Finnable From 16% Upto 10 Lakhs
PaySense From 16.8% Upto  5 Lakhs
Poonawalla From 9.99% Upto 30 Lakhs
Fullerton From 11.99% Upto 25 Lakhs
LendingKart From 12% Upto 3 Lakhs
Axis Finance From 13% Upto 25 Lakhs
L&T Finance From 12% Upto 7 Lakhs
Mahindra Finance From 10.99% Upto 10 Lakhs
Aditya Birla From 11.99% Upto 50 Lakhs
Bajaj Finance From 11% Upto 50 Lakhs

Rs.4 Lakh Personal Loan EMI for up to 5 Years

Loan Amount: Rs.4 Lakh

ROI: 10.5%

TenureEMI amount at Interest rate of 10.5%
1 yearRs.35259
2 yearsRs.18550
3 yearsRs.13000
4 yearsRs.10241
5 yearsRs.8597
6 yearsRs.7511
7 yearsRs.6744

Eligibility Criteria for 4 Lakh Personal Loan

  • Age: Minimum age 21 years, maximum age 65 years at loan maturity (some lenders may have different age requirements).
  • Citizenship: Indian resident.
  • Employment: Salaried individual employed with a public, private, or MNC company, or self-employed professional/businessman with a stable income.
  • Minimum Income: Minimum monthly income required varies depending on the lender, but generally around ₹15,000 to ₹20,000.
  • Credit Score: Good credit score (generally above 700) for better interest rates and loan approval chances.

Documents Required for 4 Lakh Personal Loan

Basic Documents:

  • Proof of Identity (POI): PAN Card, Voter ID, Aadhaar Card, Passport, etc. (at least one)
  • Proof of Address (POA): Aadhaar Card, Passport, Driving License, Utility bills (electricity, water, etc.), rental agreement, etc. (at least one)

Income Proof:

Salaried individuals:

  • Salary slips for the last 3 months
  • Form 16 for the last 2 years
  • Bank statements for the last 6 months
  • Appointment letter
  • Company ID card

Self-employed individuals:

  • Income Tax Returns (ITR) for the last 3 years
  • Bank statements for the last 6 months
  • Business registration documents
  • Licenses
  • Proof of business ownership

Additional Documents:

  • Guarantor documents: If the lender requires a guarantor, they will need to provide their POI, POA, and income proof documents.
  • Property papers: If you are offering collateral for the loan, you will need to provide the property papers.

Why choose Fincover for Personal Loan?

  • Speedy Approvals: Get a ‘yes’ when you need it, without unnecessary delays. We have tie ups with all leading banks and NBFCs, so you are spoilt for chances
  • Customer-Centric Approach: Your satisfaction is our priority. Expect personalized solutions and dedicated support. You can always reach us anytime through support channels (mail/call/chat)
  • Transparent Communication: No jargon, no hidden terms. We believe in keeping you informed every step of the way.
  • Secure and Confidential: Your data is your business. We ensure you’re the complete safety of your personal and business data.
  • Personalized Assistance: Need help? Our dedicated team is just a call away. Our team would be supportive to you from application to disbursing
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