Question 1

How to get ₹1,00,000 immediately?

Accepted Answer

If you need ₹1,00,000 immediately, the fastest route is to choose an instant personal loan through a reliable instant loan app.
Start by checking personal loan interest rates, use a personal loan EMI calculator to estimate your EMI, and complete digital KYC.
Many platforms process a ₹1 Lakh loan quickly once basic details are verified. Approval speed depends on eligibility, documents, and credit profile, so review terms carefully before proceeding.

Question 2

How can I get a ₹1,00,000 personal loan without documents?

Accepted Answer

You typically cannot get a ₹1,00,000 personal loan with zero documents. However, many instant loan apps reduce paperwork to a minimum.
Platforms like Kissht may approve an instant personal loan online using Aadhaar-based verification and PAN details, without salary slips, depending on eligibility, credit profile, and selected loan amount.

Question 3

How much credit score do I need for a ₹1,00,000 loan?

Accepted Answer

For a ₹1,00,000 personal loan, most lenders prefer a credit score of around 700 or above.
That said, approval does not depend on the score alone. The following factors are also considered:

Income stability
Repayment history
Existing financial obligations

Some instant loan apps may still review applications with a lower score based on overall eligibility.

Question 4

Can I get a ₹1,00,000 loan without collateral?

Accepted Answer

Yes, many lenders offer unsecured ₹1,00,000 personal loans online without collateral. Approval depends on your credit profile and income, not on assets or security.

Question 5

What are the EMIs on ₹1,00,000 personal loans?

Accepted Answer

EMIs on a ₹1,00,000 personal loan depend on the loan tenure and interest rate.
For example, if you borrow ₹1,00,000 for 1 year at a 10% interest rate, the monthly EMI would be around ₹8,800.
The exact EMI may vary based on the lender’s terms and your credit profile. Using a personal loan EMI calculator can help plan repayments better.

Question 6

What are the factors that can affect the ₹1,00,000 personal loan EMI?

Accepted Answer

Several factors influence the ₹1,00,000 personal loan EMI, including the loan tenure selected, personal loan interest rates offered, credit score and repayment history, monthly income and existing liabilities, and lender-specific pricing and processing charges.

Question 7

What are the eligibility criteria for a ₹1,00,000 personal loan?

Accepted Answer

Eligibility for a ₹1,00,000 personal loan generally depends on age, employment status, income stability, credit score, and repayment capacity. Both salaried and self-employed individuals may qualify if they meet the lender’s basic requirements.

Question 8

How long does it take to get a ₹1,00,000 personal loan approved?

Accepted Answer

Approval timelines vary by lender. With instant personal loan platforms and digital verification, approvals can happen within minutes. Some applications may take a few working hours depending on document checks and eligibility review.