Principal Amount
₹
- 3000
- 5L
Total Interest Payable
- 6
- 38
Loan Term (in months)
- 3
- 72
Your Monthly EMI Is
₹ 0.00
Total Interest
₹ 0.00
Total Amount Payable
₹ 0.00
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A ₹1 lakh personal loan provides quick financial assistance for urgent needs, whether it’s medical expenses, home repairs, or any unexpected situation. If you need ₹1 lakh urgently, the 100% online process ensures an instant loan of ₹1,00,000 with approval in just 60 seconds. No unnecessary delays—get funds directly in your bank account. Enjoy competitive interest rates starting at 1.5% per month and flexible repayment options of 6, 9, 12 or 18 months. Even if you’re looking for a one lakh loan without income proof, a trusted app like ours makes borrowing simple, fast, and hassle-free.
Get ₹10,000 loan using only your PAN card – Ideal for salaried individuals needing quick cash for emergencies like medical bills, utility payments, or urgent repairs.
A ₹1 lakh personal loan can be the perfect solution for sudden expenses, whether it’s a medical emergency, wedding prep, travel plans, or just managing month-end crunch. With quick online approvals, zero collateral, and flexible repayment options, this small loan can make a big difference when you need it most.
Thus, opting for a ₹1 lakh personal loan can be a practical way to manage urgent needs like medical bills, home repairs, or education fees without dipping into your savings.
Getting an instant loan of ₹1,00,000 is quick and hassle-free. Need a one lakh loan without income proof? Eligible applicants can apply through a 100% digital process with no paperwork. Checkout the features and benefits of ₹1 Lakh Personal Loan:
With our app, you don’t need to upload any document or paperwork to complete your application. Just enter your basic information like phone number, PAN, Aadhaar number, etc. and complete your application in less than 6 minutes.
Our 1 lakh personal loan is an unsecured loan. This means you don’t have to provide any collateral like gold, jewellery, or any other asset as security against the money you borrow.
While our application process is quick, their approval time is quicker! After you have completed your application, you can get approved for a 1 lakh loan in less than 60 seconds.
When you need cash urgently, you should get it quickly! Keeping this in mind, our app is designed in a way that you receive your loan amount directly into your registered bank account instantly.
Get various EMI options and choose a repayment plan that fits your budget. Because with Zype, repaying your loan will never feel like a financial burden.
One of the good borrowing practices is calculating your personal loan EMIs before even starting your loan application. Doing this can help you create a suitable budget for your loan and compare offers among various lenders.
You can use this simple formula to calculate your ₹1 Lakh Personal Loan EMI.
E = 100000 x R x (1+R)^N / [(1+R)^N-1], where
E is your personal loan EMI amount
R is the monthly interest rate
N is the no. of months of EMI payment
You can either use this formula or our ₹1 lakh loan EMI calculator below to find out your EMIs quickly.
The flexibility and convenience of borrowing doesn’t end when you receive the money in your bank account with our app. Choose from a tenure of 6, 9, 12 or 18 EMIs.
Understanding what your monthly EMIs will look like even before starting your loan application will help you choose a personal loan repayment option that fits your budget and plan any upcoming expenses. This is what your 1 lakh personal loan EMI looks like at an 18% annual interest rate on Zype.
| Loan Amount (₹) | Interest Rate (%) | Tenure (in months) | EMI (₹) |
|---|---|---|---|
| 100,000 | 18 | 6 | 17,552.52 |
| 100,000 | 18 | 9 | 11,960.98 |
| 100,000 | 18 | 12 | 9,168.00 |
| 100,000 | 18 | 18 | 6,380.58 |
Note: The above table is just for illustration purposes. The actual number may differ.
It’s important to understand all the charges associated with taking a personal loan upto 1 lakh. We give you complete transparency about all the charges you may have to pay when taking a personal loan up to 1 lakh.
| Fees & Charges | Amount Chargeable |
|---|---|
| Interest Rate | Starting at 1.5% (monthly) |
| Loan Processing Charges | Processing fees from 2% to 6% on every loan |
| Penalty on Overdue EMIs | Late payment penalty charges & overdue interest will be charged to your total outstanding loan on a daily basis |
You have to meet eligibility criteria to get approved for a 1 lakh loan. What makes our personal loan so accessible to users is its simple eligibility criteria.
Applicants must be at least 21 years old
Indian with a valid PAN & Aadhaar card
Salaried individual
Monthly income of at least ₹15,000
You have to submit required documents and information to complete your loan application. And one of the benefits of taking a personal loan upto 1 lakh from Zype is that you don’t need physical documents or paperwork to complete your application. This is all you need.
You will need to complete a real-time selfie verification after you’re approved for a loan to complete your KYC.
When completing your application, you will only be asked for your PAN & Aadhaar number along with a few basic details to activate your loan (Physical documents not required)
You can increase your loan limit by uploading your bank statement for the last 4 months.
₹1 Lakh Personal loan can be used for different purposes such as:
Provides quick access to funds for urgent healthcare expenses without collateral.
Specifically designed to cover costs related to home improvement and repairs.
Allows you to combine multiple debts into a single loan for easier management and potentially lower interest.
Helps cover expenses for weddings, including venues, catering, and decor.
Ideal for financing vacations, covering travel, lodging, and other related expenses.
You can get approved for a personal loan upto 1 Lakh on Zype in less than 6 minutes. Just complete these 6 simple steps:
3) Based on your eligibility and credit profile, you can get approved for a loan within 60 seconds.
4) Complete a real-time selfie verification and Aadhaar card linked mobile OTP to complete your KYC to get loan.
6) Get cash transferred directly to your bank account instantly.
With Zype, getting a ₹1 lakh personal loan is quick and hassle-free. Just complete your verification online, and once approved, the money is directly transferred to your bank account, usually within minutes.
With Zype, you can apply for a ₹1 lakh loan using just your Aadhaar and PAN card. To speed up approval, simply upload your salary slip or bank statement as income proof.
With Zype, you can get a ₹1 lakh personal loan without documents by completing a quick online application using just your PAN and Aadhaar. The entire process is digital, with instant KYC, fast approval, and same-day disbursal.
For a ₹1 lakh personal loan from Zype, your EMI depends on the loan amount, interest rate, and tenure. Factors like your credit score, income, and age also influence the interest rate you get, which directly affects your monthly payments.
To get a personal loan up to ₹1 lakh without income proof, consider applying for a secured loan using assets like gold or a fixed deposit. Some digital platforms like Zype approve small loans based on alternate data like your PAN, Aadhaar, and bank statements.
The monthly EMI for a ₹1 lakh personal loan depends on the interest rate and loan tenure. You can use an online EMI calculator to get an accurate estimate.
The processing time for a ₹1 lakh personal loan usually ranges from a few minutes to 24 hours for online applications, though some lenders may take 1–3 business days if extra verification is needed. For Zype, the processing time is quick, which offers approval within minutes and disbursal within a few hours, depending on KYC and eligibility checks.
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