Best for Large Loan Amounts in India (2026)

Need ₹10 lakh or more? These lenders offer the highest personal-loan limits with longer repayment tenures for big-ticket needs.

Our top pick for this is Bajaj Finserv — India's largest retail NBFC for personal loans, offering some of the highest limits and longest tenures at competitive starting rates — a strong choice for big, planned borrowing with a good credit profile.

#NameScoreInterest Rate (p.a.)Loan AmountProcessing FeeDisbursal
1Bajaj FinservTop pick9.1/1010%–31%Up to ₹55LUp to 3.93%24–48 hrs
2Navi9.0/109.9%–36%Up to ₹20L0%–4%Instant
3Tata Capital8.7/1010.99%+Up to ₹35LUp to 3%Same day

Best overall

1

Bajaj Finserv

India's largest retail NBFC for personal loans, offering some of the highest limits and longest tenures at competitive starting rates — a strong choice for big, planned borrowing with a good credit profile.

9.1
/ 10
Interest Rate (p.a.)
10%–31%
Loan Amount
Up to ₹55L
Processing Fee
Up to 3.93%
Disbursal
24–48 hrs
  • Very high loan limits & long tenure
  • Competitive starting rates
  • Trusted, well-established lender
  • Best rates need a strong CIBIL
  • Processing fee can be high
  • Not the fastest for tiny loans
Check rate Official site
3

Tata Capital

The trusted Tata-group NBFC, offering large personal loans at competitive rates with flexible tenures — well suited to salaried and self-employed borrowers who want a reputable lender.

8.7
/ 10
Interest Rate (p.a.)
10.99%+
Loan Amount
Up to ₹35L
Processing Fee
Up to 3%
Disbursal
Same day
  • Reputable Tata-group lender
  • High limits, flexible tenure
  • Good for salaried & self-employed
  • Best rates need strong eligibility
  • Slower than app-only lenders
  • Processing fee applies
Check rate Official site

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Rates and fees indicative as of June 2026 and depend on your profile — confirm with the lender before borrowing. Borrow only from RBI-registered lenders and only what you can repay. Information only, not financial advice.