Rs.4 Lakh Personal Loan @10.50%* p.a
Need ₹4 Lakh personal loan Urgently? at a low 10.50% interest rate with easy EMIs and flexible repayment options. Apply now for quick approval and hassle-free processing
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
Rs.4 Lakh Personal Loan Interest rates
Comparison of Personal Loan Interest Rates of Banks (2025)
| Bank | Interest Rate | Loan Amount | Processing Fee | Processing Time | Apply |
|---|---|---|---|---|---|
| DBS Bank | From 10.99% | Up to ₹15 Lakhs | 1-2% of loan amount | 24-48 hours | Apply |
| HDFC | From 10.85% | Up to ₹40 Lakhs | Up to 2.5% | 24-48 hours | Apply |
| Axis Bank | From 10.49% | Up to ₹40 Lakhs | 1.5% to 2% | 24-72 hours | Apply |
| ICICI Bank | 10.75% – 19% | Up to ₹40 Lakhs | Up to 2.5% | 24-48 hours | Apply |
| Bank of Baroda | 10.75% – 18.5% | Up to ₹5 Lakhs | 1%-2% | 48-72 hours | Apply |
| SBI | From 11% | Up to ₹30 Lakhs | Up to 1.5% | 2-3 working days | Apply |
| IndusInd | From 10.49% | Up to ₹50 Lakhs | Up to 2.5% | 24-48 hours | Apply |
| Yes Bank | From 10.99% | Up to ₹40 Lakhs | Up to 2.5% | 24-48 hours | Apply |
| Standard Chartered | From 11.5% | Up to ₹50 Lakhs | Up to 2.25% | 48-72 hours | Apply |
| IDFC | From 10.49% | Up to ₹50 Lakhs | Up to 3% | 24-48 hours | Apply |
| Kotak Mahindra | From 10.99% | Up to ₹40 Lakhs | 1% to 2.5% | 1-2 days | Apply |
| PNB | From 11.40% | Up to ₹20 Lakhs | Up to 1% | 2-3 days | Apply |
| Bandhan Bank | From 11.55% | Up to ₹25 Lakhs | Up to 2% | 48-72 hours | Apply |
Comparison of Personal Loan Interest Rates of NBFCs (2025)
| NBFC | Interest Rate | Loan Amount | Processing Fee | Processing Time | Apply |
|---|---|---|---|---|---|
| Piramal Finance | From 12.99% | Up to ₹35 Lakhs | 2%-3% | 24-72 hours | Apply |
| Shriram Finance | From 14% | Up to ₹35 Lakhs | Up to 3% | 2-3 days | Apply |
| Tata Capital | From 10.99% | Up to ₹35 Lakhs | Up to 2.5% | 24-48 hours | Apply |
| InCred | From 18% | Up to ₹3 Lakhs | 2% to 4% | Instant to 24 hrs | Apply |
| Finnable | From 16% | Up to ₹10 Lakhs | Up to 3% | 24-48 hours | Apply |
| PaySense | From 16.8% | Up to ₹5 Lakhs | Up to 2.5% | 24-48 hours | Apply |
| Poonawalla | From 9.99% | Up to ₹30 Lakhs | 1% to 2% | 24-72 hours | Apply |
| Fullerton | From 11.99% | Up to ₹25 Lakhs | Up to 3% | 1-2 working days | Apply |
| LendingKart | From 12% | Up to ₹3 Lakhs | 2% to 3% | 24-48 hours | Apply |
| Axis Finance | From 13% | Up to ₹25 Lakhs | Up to 2.5% | 1-2 days | Apply |
| Mahindra Finance | From 10.99% | Up to ₹10 Lakhs | Up to 3% | 2-3 days | Apply |
| Aditya Birla | From 11.99% | Up to ₹50 Lakhs | Up to 2.5% | 48-72 hours | Apply |
| Bajaj Finance | From 11% | Up to ₹50 Lakhs | Up to 4% | 24-72 hours | Apply |
₹4 Lakh Personal Loan EMI for up to 7 Years
Loan Amount: ₹4,00,000
Interest Rate: 10.5% per annum
| Tenure | Monthly EMI Amount |
|---|---|
| 1 year | ₹35,259 |
| 2 years | ₹18,550 |
| 3 years | ₹13,000 |
| 4 years | ₹10,241 |
| 5 years | ₹8,597 |
| 6 years | ₹7,511 |
| 7 years | ₹6,744 |
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
