Short answer: 13 of the apps and lenders we track lend ₹10 lakh for 60 months, including KreditBee, Moneyview, Navi, InCred, L&T Finance, Bajaj Finance and 7 more. At their lowest advertised rates, the EMI ranges from ₹21,198 to ₹23,268. 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.
₹10 lakh over 60 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% | ₹21,198 | ₹2,71,872 | Not published | ₹2,71,872 + fee |
| SBI | Bank | 10% | ₹21,247 | ₹2,74,823 | ₹17,700 | ₹2,92,523 |
| ICICI Bank | Bank | 9.99% | ₹21,242 | ₹2,74,527 | ₹23,600 | ₹2,98,127 |
| IDFC FIRST Bank | Bank | 9.99% | ₹21,242 | ₹2,74,527 | ₹35,000 | ₹3,09,527 |
| Bajaj Finance | NBFC | 10% | ₹21,247 | ₹2,74,823 | ₹41,300 | ₹3,16,123 |
| Poonawalla Fincorp | NBFC | 9.99% | ₹21,242 | ₹2,74,527 | ₹47,200 | ₹3,21,727 |
| L&T Finance | NBFC | 10.5% | ₹21,494 | ₹2,89,634 | ₹47,200 | ₹3,36,834 |
| Aditya Birla Capital | NBFC | 10.99% | ₹21,737 | ₹3,04,246 | ₹47,200 | ₹3,51,446 |
| Tata Capital | NBFC | 10.99% | ₹21,737 | ₹3,04,246 | ₹59,000 | ₹3,63,246 |
| Kotak Mahindra Bank | Bank | 10.99% | ₹21,737 | ₹3,04,246 | ₹59,000 | ₹3,63,246 |
| KreditBee | App | 12% | ₹22,244 | ₹3,34,667 | ₹55,460 | ₹3,90,127 |
| InCred | NBFC | 14% APR | ₹23,268 | ₹3,96,095 | Included in APR | ₹3,96,095 |
| Moneyview | App | 14% | ₹23,268 | ₹3,96,095 | ₹23,600 | ₹4,19,695 |
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 ₹10 lakh?
Lenders usually keep total EMIs within 50% to 60% of take-home pay. An EMI of about ₹23,268 (at 14%) needs a take-home salary of roughly ₹46,537 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 · FlexSalary vs KreditBee · 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 ₹10 lakh instantly from an app?
Several apps lend ₹10 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 ₹10 lakh?
At 14% for 60 months it is about ₹23,268. See our EMI calculator.
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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.