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 ₹4 lakh personal loan is a no-collateral loan designed to offer quick financial support for various needs—be it emergencies, travel, or big purchases. With online platforms, getting an instant loan is now super convenient. You can apply in just a few taps, submit basic documents like your PAN and Aadhaar, and get quick approval. Plus, flexible EMI options ensure repayment fits your budget. Whether you’re planning something big or handling unexpected expenses, a ₹4 lakh instant loan can be your go-to solution for fast, hassle-free funds. Let’s read further to understand how to get ₹4 lakh personal loan instantly.
Taking a personal loan means avoiding a lengthy application process & waiting days to get approved. But that’s not it. For reference, here are few features and benefits for taking 4 lakhs personal loan from us:
We offers unsecured personal loans so you can enjoy the convenience of instant cash loan without having to give any collateral. This means you don’t have to pledge any of your assets to get access to the cash you need.
With us, the flexibility of borrowing doesn’t end after you receive the cash in your account. You can get a ₹4 lakh Personal Loan & repay it in 6, 9 or 12 EMIs.
Get instant loan from us where you can get approved for a personal loan in less than 60 seconds and have the money in your account on the same day!
Get the best interest rate on your personal loan based on your credit score. We offers interest rates starting at as low as 1.5% per month.
You don’t have to upload any document to complete your application on us. Just submit your PAN & Aadhaar number along with other basic details and get a ₹4 lakh Loan instantly.
When you calculate 4 lakh personal loan emi for different tenures by personal loan EMI calculator, you can choose a repayment plan that suits your budget and even compare loan offers across various lenders.
This is the formula to calculate your ₹4 lakh personal loan EMI.
E = 400000 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 use our ₹4 lakh loan personal loan EMI calculator.
Complete your loan application process without any required document uploads or paperwork. This is all that you will need:
After you get approved, complete a selfie verification to complete your KYC & get your loan offer. Since this is real-time photo verification, you don’t need to upload any documents.
You will have to enter your PAN & Aadhaar number to get a loan offer & to complete your KYC. (Physical copy not required)
If you want to apply for a higher loan limit, get approved for an increased limit just by uploading your bank statement for the last 4 months.
Some basic eligibility criteria are as follows:
21 years or above
Indian with a valid PAN & Aadhaar card
Salaried individual
Monthly income of at least ₹15,000
Check out the charges mentioned below if you apply for ₹4 Lakh personal loan with us:
| Fees & Charges | Amount Chargeable |
|---|---|
| Interest Rate | Starting at as low as 1.5% (monthly) |
| Loan Processing Charges | Processing fees from 2% to 6% on every loan |
| Penalty on Overdue EMIs | Overdue interest and late payment penalty charges will be charged to your total outstanding loan on a daily basis |
It is very important to understand your 4 lakh personal loan EMI options before taking a loan. By doing this you will be able to repay your loans on time and plan your budget better.
We offers flexible repayment options so you can repay the loan on your terms. You can borrow the money you need and choose to repay in 6, 9 or 12 EMIs.
This is what your EMIs for ₹4 lakh loan will look like when you take a loan from us at 18% annual interest rate:
| Loan Amount | Interest Rate | Tenure (in months) | EMI in Rs |
|---|---|---|---|
| Rs 100000 | 18% | 6 | Rs 17552.52 |
| 9 | Rs 11960.98 | ||
| 12 | Rs 9168 |
*Note – All the above numbers are for representation only. The final interest rate may vary depending on the profile assessment.
Complete your personal loan application in less than 6 minutes by following these simple steps:
1) Get the Zype app from PlayStore or AppStore & create your account.
4) Complete your KYC by adding your Aadhaar number & doing a selfie verification to get your loan limit.
Yes, you can. Zype offers personal loans even to those customers who don’t have a credit history. You only need a valid PAN card and a minimum monthly salary of ₹15,000 to get personal loans up to ₹4 lakhs.
Yes, you can. There are many lenders and instant loan apps that provide loans without any documents. Zype is such a loan app that only needs your PAN and Aadhaar number to give you a personal loan.
There are many loan apps like Zype that offer unsecured personal loans. This means you can get a ₹4 lakh Loan without providing any assets.
The minimum income requirement varies by lender. However, many lenders typically prefer a monthly income of ₹20,000 or higher for a ₹4 lakh loan.
The EMIs of your ₹ 4 lakh loan depend on the offered interest rate, processing fee & loan tenure you choose.
The interest rate you’re offered on your loan depends on how good your credit score is. If you have a high credit score & a good repayment history, you can get the lowest interest rate on a ₹4 lakh Personal Loan.
The EMI for a ₹4 lakh loan depends on the interest rate and loan tenure. You can use Zype’s EMI calculator to know your monthly EMI.
A CIBIL score of 700 or above is generally recommended to increase your chances of approval for a ₹4 lakh loan at favorable terms.
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