₹5 Lakh Personal Loan

Get a personal loan of ₹5 lakh Instantly with Godrej Capital

  • Quick approval*
  • Minimal documentation
  • Flexible repayment tenure
  • Fast digital disbursal

Apply Now

Apply for a Personal Loan for ₹5 Lakh

containeralign
center
textalign
center
color
#000000
width
100%
bulletclr
#00ff00
FontWeight
500
style
global-title-top-padding-mobile, global-title-top-padding, global-title-top-padding-tab, city-heading, seo-mobile-padding
Whether it is a planned expense or an urgent one, a ₹5 lakh personal loan can give you the funds you need without pledging any asset. Godrej Capital offers a personal loan of up to ₹30 lakh for salaried individuals, with minimal documentation. The application is fully digital, so you can check your eligibility, apply, and track your loan without visiting a branch.
containeralign
center
textalign
center
color
#000000
width
100%
bulletclr
#00ff00
FontWeight
400
style
global-no-padding-mobile
ContaineralignTablet
center
textalignTablet
center
colorTablet
#000000
widthTablet
100%
bulletclrTablet
#00ff00
FontWeightTablet
400
containeralignMobile
center
textalignmobile
center
colormobile
#000000
widthmobile
100%
bulletclrmobile
#00ff00
FontWeightmobile
400
FontFamily
"GiSansText", sans-serif

Quick

approval*

Home loan amount banner

Minimal

documentation

Interest rates banner

Flexible

repayment tenure

Home loan-to-value banner

Fast digital

disbursal

Home loan tenure banner
style
global-title-top-padding, global-top-padding-tab, font-style
animation
true
Animation-threshold
0.2

Calculate EMI on a Personal Loan of ₹5 Lakh

containeralign
center
textalign
center
color
#000000
width
100%
bulletclr
#00ff00
FontWeight
500
style
global-title-top-padding-mobile, global-title-top-padding, global-title-top-padding-tab, city-heading, seo-mobile-padding
Use the calculator below to estimate the EMI for a ₹5 lakh personal loan based on your chosen tenure and interest rate.
containeralign
center
textalign
center
color
#000000
width
100%
bulletclr
#00ff00
FontWeight
400
style
global-no-padding-mobile
ContaineralignTablet
center
textalignTablet
center
colorTablet
#000000
widthTablet
100%
bulletclrTablet
#00ff00
FontWeightTablet
400
containeralignMobile
center
textalignmobile
center
colormobile
#000000
widthmobile
100%
bulletclrmobile
#00ff00
FontWeightmobile
400
FontFamily
"GiSansText", sans-serif
loan-amount-title
Loan Amount
loan-amount-min-value
100000
loan-amount-max-value
500000
Income-amount-step
25000
Interest-rate-title
Interest Rate
Interest-rate-min-value
10
Interest-rate-max-value
24
tenure-title-year
Tenure
tenure-min-year-value
1
tenure-max-year-value
30
tenure-title-months
Tenure
tenure-min-month-value
0
tenure-max-month-value
11
Principal-amount-label
Principal Amount
Monthly-emi-label-mobile
Monthly EMI
Monthly-emi-label
Your Monthly EMI
Interest-payable-label
Interest Payable
Total-amount-payable-label
Total Amount Payable
Interest-rate-label
Interest Rate @
Total-tenure-label
Total Tenure
Apply-now-label
Apply Now
redirection-path-emi
https://applynow-personal-loan.godrejfinance.com/
Rupee-symbol-english
INR.
Percent-symbol
%
Year-span-label
Yrs.
Month-span-label
Mos.
Year-input-min-label
Year
Year-input-max-label
Years
Month-input-min-label
Month
Month-input-max-label
Months
Chart-year-symbol
Y
Chart-month-symbol
M
Chart-month-year-separator
|
Error-message-loan
Please enter value within range.
Error-message-interest
Please enter value within range.
Error-message-year
Please enter value within range.
Error-message-month
Please enter value within range.
style
Global-padding-tab , global-padding, cal, home-emi

₹5 Lakh Personal Loan EMI for Different Tenures

The tenure you choose directly affects your EMI. A longer tenure lowers the monthly instalment but increases the total interest you pay, while a shorter tenure raises the EMI and reduces the overall interest. The table below shows how a ₹5 lakh loan works out across tenures.

Tenure 5 Years 10 Years 15 Years 20 Years 25 Years 30 Years
Equated Monthly Installments (₹)
Principal Amount (₹)
Interest Amount (₹)
Total Amount Payable (₹)
emiYear-1
5
emiYear-2
10
emiYear-3
15
emiYear-4
20
emiYear-5
25
emiYear-6
30
principalAmount
500000
interestRate
10.25
style
Global-top-padding, global-padding-tab, global-bottom-padding-mobile

Why Choose Godrej Capital for a ₹5 Lakh Personal Loan?

containeralign
center
textalign
center
color
#000000
width
100%
bulletclr
#00ff00
FontWeight
500
style
global-title-top-padding-mobile, global-title-top-padding, global-title-top-padding-tab, city-heading, seo-mobile-padding

A ₹5 lakh personal loan should be simple to apply for and comfortable to repay. Here is why many borrowers choose Godrej Capital.

  • Minimal documentation: Complete the application online with limited paperwork and a streamlined process.
  • flexible repayment tenure: Choose a tenure that fits your monthly budget and repayment needs.
  • Transparent pricing: Interest rates, fees, and applicable charges are shared upfront for better clarity.
  • Quick disbursal: Once approved and verified, the loan amount is credited to your bank account in accordance with the applicable process.
  • Dedicated customer support: Get assistance from the support team throughout your loan journey.

From loan application to funds disbursal, the process is designed to be simple, transparent, and convenient.

containeralign
center
textalign
left
color
#000000
width
100%
bulletclr
#000000
FontWeight
400
style
global-no-padding-mobile
ContaineralignTablet
center
textalignTablet
left
colorTablet
#000000
widthTablet
100%
bulletclrTablet
#000000
FontWeightTablet
400
containeralignMobile
center
textalignmobile
left
colormobile
#000000
widthmobile
100%
bulletclrmobile
#000000
FontWeightmobile
400
FontFamily
"GiSansText", sans-serif

Interest Rate & Charges on a ₹5 Lakh Personal Loan

containeralign
center
textalign
center
color
#000000
width
100%
bulletclr
#00ff00
FontWeight
500
style
global-title-top-padding-mobile, global-title-top-padding, global-title-top-padding-tab, city-heading, seo-mobile-padding
Understanding the cost of borrowing helps you plan repayments with confidence. Interest on a ₹5 lakh personal loan starts from 10.25% p.a.*, with the applicable rate confirmed at the application stage. A processing fee of up to 4% of the loan amount*, plus applicable taxes, may apply. Prepayment, foreclosure, and other applicable charges are listed on the fees and charges page, allowing you to review the schedule before accepting the loan offer. Your final rate is not the same for everyone. It depends on your credit profile, income and the tenure you select. A stronger credit profile can help you secure a more favourable rate, which lowers both your EMI and the total interest you pay over the loan.
containeralign
center
textalign
center
color
#000000
width
100%
bulletclr
#000000
FontWeight
400
style
global-no-padding-mobile
ContaineralignTablet
center
textalignTablet
center
colorTablet
#000000
widthTablet
100%
bulletclrTablet
#000000
FontWeightTablet
400
containeralignMobile
center
textalignmobile
center
colormobile
#000000
widthmobile
100%
bulletclrmobile
#000000
FontWeightmobile
400
FontFamily
"GiSansText", sans-serif

Eligibility Criteria for ₹5 Lakh Personal Loan

Whether you are planning a major expense or managing an unexpected one, reviewing the key eligibility requirements is a good first step before applying for a ₹5 lakh personal loan.Meeting these criteria strengthens your application, though the final amount depends on your income and existing obligations.

Criteria Requirement
Age 25 - 58 Years
Net monthly income 50,000
Employment type Salaried employee
Credit score (CIBIL) 700 or above improves eligibility

Documents Required for a ₹5 Lakh Personal Loan

containeralign
center
textalign
center
color
#000000
width
100%
bulletclr
#00ff00
FontWeight
500
style
global-title-top-padding-mobile, global-title-top-padding, global-title-top-padding-tab, city-heading, seo-mobile-padding

Keeping the required documents ready can help make your ₹5 lakh personal loan application smoother and faster.

  • Identity proof: PAN card
  • Identity and address proof: Aadhaar card
  • Address proof: If additional address verification is required
  • Income proof for salaried applicants: Salary slips or Form 16
  • Bank statements: Statements for the last 3 to 6 months
  • Photograph: Recent passport-size photograph, if required
containeralign
center
textalign
left
color
#000000
width
100%
bulletclr
#000000
FontWeight
400
style
global-no-padding-mobile
ContaineralignTablet
center
textalignTablet
left
colorTablet
#000000
widthTablet
100%
bulletclrTablet
#000000
FontWeightTablet
400
containeralignMobile
center
textalignmobile
left
colormobile
#000000
widthmobile
100%
bulletclrmobile
#000000
FontWeightmobile
400
FontFamily
"GiSansText", sans-serif

How to Apply for a ₹5 Lakh Personal Loan

containeralign
center
textalign
center
color
#000000
width
100%
bulletclr
#00ff00
FontWeight
500
style
global-title-top-padding-mobile, global-title-top-padding, global-title-top-padding-tab, city-heading, seo-mobile-padding

With a streamlined digital process, applying for a ₹5 lakh personal loan is quick and convenient.

  1. Check your eligibility: Enter the required details to see your estimated eligibility.
  2. Fill in your details: Provide your personal, contact, and income information.
  3. Upload the required documents: Submit the necessary KYC and income documents.
  4. Complete e-verification: Verify your details through the digital verification process.
  5. Receive the funds: After approval and sanction, the loan amount is credited to your bank account.
containeralign
center
textalign
left
color
#000000
width
100%
bulletclr
#000000
FontWeight
400
style
global-no-padding-mobile
ContaineralignTablet
center
textalignTablet
left
colorTablet
#000000
widthTablet
100%
bulletclrTablet
#000000
FontWeightTablet
400
containeralignMobile
center
textalignmobile
left
colormobile
#000000
widthmobile
100%
bulletclrmobile
#000000
FontWeightmobile
400
FontFamily
"GiSansText", sans-serif
quesansurl
/personal-loan/faq-excel-files/faq-ques-ans-sheet-45-lakh-home-loan.json
desktopTitle

FAQs – ₹5 Lakh Personal Loan

cannotfindlabel
viewallbuttonlabel
viewallbuttonredirection
/support/faqs?category=home_loan
faqqMobileTitle

FAQs – ₹5 Lakh Personal Loan

productPageName
Personal Loan
style
global-padding, global-bottom-padding-tab
viewAllRedirectionIcon

Connect with Our Customer Support Team

false

Customer Support

true
Guroo Chatbot
false
WhatsApp Chat
false
Customer Portal Login
false
022 6837 6666
false
Email Support
false
Customer Care
true
Send an Email
true
ⓘ Need more information or answers to your questions? Check out FAQs
false
style
global-bottom-padding, mobile-last-padding, global-bottom-padding-mobile, tab-last-padding

*Disclaimer: All contents mentioned on this page, including documents, eligibility , Interest rate may vary for each borrower and are subject to the lender's discretion. The content is subject to change without prior notice.

containeralign
center
textalign
left
color
#000000
width
100%
bulletclr
#000000
FontWeight
400
style
global-no-padding-mobile, global-bottom-padding, global-padding-tab
ContaineralignTablet
center
textalignTablet
left
colorTablet
#000000
widthTablet
100%
bulletclrTablet
#000000
FontWeightTablet
400
containeralignMobile
center
textalignmobile
left
colormobile
#000000
widthmobile
100%
bulletclrmobile
#000000
FontWeightmobile
400
FontFamily
"GiSansText", sans-serif