Short answer: 20 of the apps and lenders we track lend ₹5 lakh for 36 months, including KreditBee, Moneyview, Fibe, Kissht, PaySense, Freo (MoneyTap) and 14 more. At their lowest advertised rates, the EMI ranges from ₹16,110 to ₹18,076. 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.
₹5 lakh over 36 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% | ₹16,110 | ₹79,965 | Not published | ₹79,965 + fee |
| SBI | Bank | 10% | ₹16,134 | ₹80,809 | ₹8,850 | ₹89,659 |
| ICICI Bank | Bank | 9.99% | ₹16,131 | ₹80,725 | ₹11,800 | ₹92,525 |
| IDFC FIRST Bank | Bank | 9.99% | ₹16,131 | ₹80,725 | ₹17,500 | ₹98,225 |
| Bajaj Finance | NBFC | 10% | ₹16,134 | ₹80,809 | ₹20,650 | ₹1,01,459 |
| Poonawalla Fincorp | NBFC | 9.99% | ₹16,131 | ₹80,725 | ₹23,600 | ₹1,04,325 |
| L&T Finance | NBFC | 10.5% | ₹16,251 | ₹85,044 | ₹23,600 | ₹1,08,644 |
| Freo (MoneyTap) | App | 12% | ₹16,607 | ₹97,858 | ₹11,800 | ₹1,09,658 |
| Aditya Birla Capital | NBFC | 10.99% | ₹16,367 | ₹89,212 | ₹23,600 | ₹1,12,812 |
| InCred | NBFC | 14% APR | ₹17,089 | ₹1,15,197 | Included in APR | ₹1,15,197 |
| Tata Capital | NBFC | 10.99% | ₹16,367 | ₹89,212 | ₹29,500 | ₹1,18,712 |
| Kotak Mahindra Bank | Bank | 10.99% | ₹16,367 | ₹89,212 | ₹29,500 | ₹1,18,712 |
| KreditBee | App | 12% | ₹16,607 | ₹97,858 | ₹27,730 | ₹1,25,588 |
| Moneyview | App | 14% | ₹17,089 | ₹1,15,197 | ₹11,800 | ₹1,26,997 |
| Stashfin | App | 11.99% | ₹16,605 | ₹97,772 | ₹34,515 | ₹1,32,287 |
| Kissht | App | 12% | ₹16,607 | ₹97,858 | ₹35,400 | ₹1,33,258 |
| PaySense | App | 16.8% | ₹17,777 | ₹1,39,959 | ₹17,700 | ₹1,57,659 |
| Fibe | App | 18% | ₹18,076 | ₹1,50,743 | ₹11,800 | ₹1,62,543 |
| Zype | App | 18% | ₹18,076 | ₹1,50,743 | ₹11,800 | ₹1,62,543 |
| Hero FinCorp | NBFC | 17.9% | ₹18,051 | ₹1,49,841 | ₹14,750 | ₹1,64,591 |
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 ₹5 lakh?
Lenders usually keep total EMIs within 50% to 60% of take-home pay. An EMI of about ₹17,089 (at 14%) needs a take-home salary of roughly ₹34,178 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 ₹5 lakh instantly from an app?
Several apps lend ₹5 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 ₹5 lakh?
At 14% for 36 months it is about ₹17,089. 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.