Short answer: 26 of the apps and lenders we track lend ₹1 lakh for 24 months, including KreditBee, Moneyview, Fibe, Kissht, PaySense, True Balance and 20 more. At their lowest advertised rates, the EMI ranges from ₹4,610 to ₹5,530. Your actual rate depends on your profile.
Last verified: 12 October 2026 from each lender’s official website and, where marked, its Google Play listing. FundsTiger does not rank lenders; tables are sorted by the figure in question, and the right choice is the one with the lowest APR you are actually offered.
₹1 lakh over 24 months at each lender’s lowest advertised rate
| App or lender | Type | Lowest rate | EMI | Total interest | Fee incl. GST | Total cost |
|---|---|---|---|---|---|---|
| Navi | App | 9.9% | ₹4,610 | ₹10,637 | Not published | ₹10,637 + fee |
| SBI | Bank | 10% | ₹4,614 | ₹10,748 | ₹1,770 | ₹12,518 |
| ICICI Bank | Bank | 9.99% | ₹4,614 | ₹10,737 | ₹2,360 | ₹13,097 |
| IDFC FIRST Bank | Bank | 9.99% | ₹4,614 | ₹10,737 | ₹3,500 | ₹14,237 |
| Bajaj Finance | NBFC | 10% | ₹4,614 | ₹10,748 | ₹4,130 | ₹14,878 |
| InCred | NBFC | 14% APR | ₹4,801 | ₹15,231 | Included in APR | ₹15,231 |
| Freo (MoneyTap) | App | 12% | ₹4,707 | ₹12,976 | ₹2,360 | ₹15,336 |
| Branch | App | 12% | ₹4,707 | ₹12,976 | ₹2,360 | ₹15,336 |
| Poonawalla Fincorp | NBFC | 9.99% | ₹4,614 | ₹10,737 | ₹4,720 | ₹15,457 |
| L&T Finance | NBFC | 10.5% | ₹4,638 | ₹11,302 | ₹4,720 | ₹16,022 |
| Aditya Birla Capital | NBFC | 10.99% | ₹4,660 | ₹11,848 | ₹4,720 | ₹16,568 |
| Moneyview | App | 14% | ₹4,801 | ₹15,231 | ₹2,360 | ₹17,591 |
| Tata Capital | NBFC | 10.99% | ₹4,660 | ₹11,848 | ₹5,900 | ₹17,748 |
| Kotak Mahindra Bank | Bank | 10.99% | ₹4,660 | ₹11,848 | ₹5,900 | ₹17,748 |
| KreditBee | App | 12% | ₹4,707 | ₹12,976 | ₹5,546 | ₹18,522 |
| LazyPay | App | 15% | ₹4,849 | ₹16,368 | ₹2,360 | ₹18,728 |
| Stashfin | App | 11.99% | ₹4,707 | ₹12,965 | ₹6,903 | ₹19,868 |
| Kissht | App | 12% | ₹4,707 | ₹12,976 | ₹7,080 | ₹20,056 |
| PaySense | App | 16.8% | ₹4,935 | ₹18,431 | ₹3,540 | ₹21,971 |
| Fibe | App | 18% | ₹4,992 | ₹19,818 | ₹2,360 | ₹22,178 |
| Zype | App | 18% | ₹4,992 | ₹19,818 | ₹2,360 | ₹22,178 |
| Hero FinCorp | NBFC | 17.9% | ₹4,988 | ₹19,702 | ₹2,950 | ₹22,652 |
| Olyv (SmartCoin) | App | 18% | ₹4,992 | ₹19,818 | ₹3,000 | ₹22,818 |
| mPokket | App | 22% | ₹5,188 | ₹24,508 | Not published | ₹24,508 + fee |
| FlexSalary | App | 18% | ₹4,992 | ₹19,818 | ₹5,900 | ₹25,718 |
| True Balance | App | 28.8% | ₹5,530 | ₹32,713 | ₹7,080 | ₹39,793 |
Sorted by total cost. We used each lender’s lowest advertised rate and stated fee; most borrowers are offered more. For loans quoted only as APR, fees are already included.
How much salary do you need for ₹1 lakh?
Lenders usually keep total EMIs within 50% to 60% of take-home pay. An EMI of about ₹4,801 (at 14%) needs a take-home salary of roughly ₹9,603 with no other EMIs. Check yours with our FOIR calculator.
Compare them side by side
KreditBee vs Moneyview · Moneyview vs Fibe · KreditBee vs Fibe · Kissht vs KreditBee · PaySense vs Moneyview · Bajaj Finance vs Tata Capital · Tata Capital vs Poonawalla Fincorp · Poonawalla Fincorp vs Bajaj Finance · InCred vs Moneyview · True Balance vs KreditBee · mPokket vs KreditBee · CASHe vs Fibe · All comparisons
Before you apply
- Find the lender’s name in the app and check it on RBI’s list of digital lending apps or our RBI-registered NBFC search.
- Read the Key Fact Statement (KFS) before you accept. It must show the APR, every fee and the total you will repay.
- Never pay a fee before the loan is disbursed. Regulated lenders deduct fees from the loan or add them to the EMI.
- Apply to one or two lenders, not ten. Each application is a hard enquiry on your credit report.
- Check that the EMI fits your budget with our FOIR calculator.
Want to see offers from several RBI-regulated lenders in one place?
Frequently asked questions
Can I get ₹1 lakh instantly from an app?
Several apps lend ₹1 lakh, but large amounts usually need a good credit score, steady income and full KYC. Disbursal can still be same-day once approved.
What is the EMI on ₹1 lakh?
At 14% for 24 months it is about ₹4,801. See our EMI calculator.
More guides: Which Loan App for Self-Employed · Which Loan App Without a Salary Slip · Which Loan App for First-Time Borrowers · Which Loan App for Low CIBIL Score · Which Loan App Has No Foreclosure Charges · Which Loan App Has the Lowest Processing Fee · Which Loan App Has the Lowest Interest Rate · Which Loan App Gives the Longest Tenure · Which Loan App for a Short-Term Loan · Which Loan App Gives a Credit Line · Which Loan App for ₹1 lakh · Which Loan App for ₹2 lakh · Which Loan App for ₹5 lakh · Which Loan App for ₹10 lakh · Which Loan App for Age Above 55 · Which Gold Loan App · Which App for Loan Against Mutual Funds · All guides
Disclosure: FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders. Aparampaar Finance Pvt. Ltd. (Omozing), one of those lenders, is a related party of FundsTiger. This article is general information, not financial advice. Read your loan agreement and KFS before you decide.