Loan Amount (in rupee)
₹
- 3000
- 5L
Interest Rate (%)
- 6
- 38
Loan Term (in months)
- 3
- 72
Your EMI is
₹ 0.00
Total Interest
₹ 0.00
Total Amount Payment
₹ 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, or 12 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.
If you need 1 lakh urgently, getting a loan is now faster and easier than ever. Apply online in just 6 minutes and get approved within 60 seconds. The money is transferred directly to your bank account without any delays. Need a loan of ₹1 lakh? No problem! Eligible applicants can complete the entire process digitally—no paperwork, no branch visits. With interest rates starting at just 1.5% per month, repayment stays simple and manageable. Whether it’s a quick ₹10,000 or an urgent 1 lakh loan, you get instant access to funds whenever you need them. Apply now and get your money instantly
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.
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.
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
Before taking a ₹1,00,000 Personal Loan, you need to consider few factors responsible for ₹1,00,000 Personal Loan Interest Rate:
Age: Your age can affect the interest rate. Age is a key factor in determining personal loan eligibility and repayment feasibility.
Credit Score: A high credit score indicates financial responsibility, helping you secure lower interest rates. Lenders typically offer better rates to those with scores above 700, as they’re viewed as lower-risk borrowers.
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 |
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 or 12 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 (in Rs) |
|---|---|---|---|
| Rs 100000 | 18% | 6 | 17552.52 |
| 9 | 11960.98 | ||
| 12 | 9168 |
*Note – All the above numbers are for representation only. The final interest rate may vary depending on the profile assessment.
You can get approved for a personal loan upto 1 Lakh on Zype in less than 6 minutes. Just complete these 6 simple steps:
1) Download the Zype app from PlayStore/AppStore and create your account filling your basic details.
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.
You can get an instant personal loan of ₹1 lakh through a digital app like Zype. With a 100% online process, approval takes just a few minutes, and the amount is disbursed instantly into your bank account.
Some lenders offer a large rupee credit loan even with a low or no CIBIL score. However, they may evaluate your income, repayment capacity, and other factors before approval.
While some documentation is required, many lenders provide a 1 lakh loan without income proof, relying instead on alternative verifications like bank statements or employment details.
Your EMI for a ₹1 lakh loan depends on factors such as interest rate, loan tenure, credit score, and repayment capacity. A lower interest rate or a longer tenure can reduce your monthly EMI.
Many digital lending platforms offer a 1 lakh loan without income proof by considering alternative documents like bank statements, salary slips, or employer verification.
Your EMI depends on the loan tenure and interest rate. For example, at 1.5% per month for 12 months, the EMI could be approximately ₹9,167. Using an EMI calculator can give an exact amount.
Most digital lenders process instant personal loans within minutes. Once approved, the loan amount is transferred to your bank account instantly or within a few hours.
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