Short answer: 26 of the apps and lenders we track lend ₹2 lakh for 24 months, including KreditBee, Moneyview, Fibe, Kissht, PaySense, True Balance and 20 more. At their lowest advertised rates, the EMI ranges from ₹10,376 to ₹9,985. 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.
₹2 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% | ₹9,220 | ₹21,274 | Not published | ₹21,274 + fee |
| SBI | Bank | 10% | ₹9,229 | ₹21,496 | ₹3,540 | ₹25,036 |
| ICICI Bank | Bank | 9.99% | ₹9,228 | ₹21,473 | ₹4,720 | ₹26,193 |
| IDFC FIRST Bank | Bank | 9.99% | ₹9,228 | ₹21,473 | ₹7,000 | ₹28,473 |
| Bajaj Finance | NBFC | 10% | ₹9,229 | ₹21,496 | ₹8,260 | ₹29,756 |
| InCred | NBFC | 14% APR | ₹9,603 | ₹30,462 | Included in APR | ₹30,462 |
| Freo (MoneyTap) | App | 12% | ₹9,415 | ₹25,953 | ₹4,720 | ₹30,673 |
| Branch | App | 12% | ₹9,415 | ₹25,953 | ₹4,720 | ₹30,673 |
| Poonawalla Fincorp | NBFC | 9.99% | ₹9,228 | ₹21,473 | ₹9,440 | ₹30,913 |
| L&T Finance | NBFC | 10.5% | ₹9,275 | ₹22,605 | ₹9,440 | ₹32,045 |
| Aditya Birla Capital | NBFC | 10.99% | ₹9,321 | ₹23,695 | ₹9,440 | ₹33,135 |
| Moneyview | App | 14% | ₹9,603 | ₹30,462 | ₹4,720 | ₹35,182 |
| Tata Capital | NBFC | 10.99% | ₹9,321 | ₹23,695 | ₹11,800 | ₹35,495 |
| Kotak Mahindra Bank | Bank | 10.99% | ₹9,321 | ₹23,695 | ₹11,800 | ₹35,495 |
| KreditBee | App | 12% | ₹9,415 | ₹25,953 | ₹11,092 | ₹37,045 |
| LazyPay | App | 15% | ₹9,697 | ₹32,736 | ₹4,720 | ₹37,456 |
| Stashfin | App | 11.99% | ₹9,414 | ₹25,930 | ₹13,806 | ₹39,736 |
| Kissht | App | 12% | ₹9,415 | ₹25,953 | ₹14,160 | ₹40,113 |
| PaySense | App | 16.8% | ₹9,869 | ₹36,862 | ₹7,080 | ₹43,942 |
| Fibe | App | 18% | ₹9,985 | ₹39,636 | ₹4,720 | ₹44,356 |
| Zype | App | 18% | ₹9,985 | ₹39,636 | ₹4,720 | ₹44,356 |
| Hero FinCorp | NBFC | 17.9% | ₹9,975 | ₹39,404 | ₹5,900 | ₹45,304 |
| Olyv (SmartCoin) | App | 18% | ₹9,985 | ₹39,636 | ₹6,000 | ₹45,636 |
| mPokket | App | 22% | ₹10,376 | ₹49,015 | Not published | ₹49,015 + fee |
| FlexSalary | App | 18% | ₹9,985 | ₹39,636 | ₹11,800 | ₹51,436 |
| True Balance | App | 28.8% | ₹11,059 | ₹65,426 | ₹14,160 | ₹79,586 |
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 ₹2 lakh?
Lenders usually keep total EMIs within 50% to 60% of take-home pay. An EMI of about ₹9,603 (at 14%) needs a take-home salary of roughly ₹19,205 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 ₹2 lakh instantly from an app?
Several apps lend ₹2 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 ₹2 lakh?
At 14% for 24 months it is about ₹9,603. 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.