Borrow ₹1 Lakh until payday
Need ₹1 Lakh before payday? Borrow it for 7 to 40 days, fully online, and see the exact cost before you accept.
Your ₹1 Lakh loan
Move the sliders. Every cost updates live.
- Interest (1%/day)
- ₹30,000
- Processing fee + GST
- ₹11,800
- You receive in bank
- ₹88,200
- Due date
- in 30 days
What can a ₹1 Lakh loan cover?
Customers typically borrow ₹1 Lakh for a planned surgery, a large deposit or consolidating several smaller dues. Our maximum loan. It's offered to applicants whose salary and repayment record support it comfortably.
The loan is repaid in a single payment on your due date, usually your next salary day. Interest is charged daily, so repaying early reduces the cost, with no foreclosure fee.
Exact cost of a ₹1 Lakh loan
| Tenure | Interest | Fee + GST | You receive | You repay | APR |
|---|---|---|---|---|---|
| 7 days | ₹7,000 | ₹11,800 | ₹88,200 | ₹1,07,000 | 1111% |
| 15 days | ₹15,000 | ₹11,800 | ₹88,200 | ₹1,15,000 | 739% |
| 30 days | ₹30,000 | ₹11,800 | ₹88,200 | ₹1,30,000 | 577% |
| 40 days | ₹40,000 | ₹11,800 | ₹88,200 | ₹1,40,000 | 536% |
Illustrative at 1% per day and 10% processing fee + 18% GST. Your final terms are in your Key Fact Statement.
From application to ₹1 Lakh in your account
- Step 1
Confirm your number
A one-time code checks it’s really you. Then add your salary and employer name.
~1 min - Step 2
Prove it’s you, digitally
Aadhaar eKYC, a quick live selfie, and three months of salary credits shared through Account Aggregator.
~3 min - Step 3
Read the KFS, then sign
Your Key Fact Statement lists the rupee cost, APR and due date. Happy with it? E-sign in one tap.
Decision ~10 min - Step 4
Funds land, payday settles it
The lender pays into your salary account. On payday, one UPI payment or auto-debit closes the loan.
Same day
₹1 Lakh loan FAQs
What salary do I need for a ₹1 Lakh loan?
First-time borrowers are typically offered up to about 40% of net monthly salary, so a ₹1 Lakh loan usually needs a net salary of around ₹2,50,000 or more. Returning customers with good repayment history may qualify for more.
How much will I repay on a ₹1 Lakh loan for 30 days?
You'll repay ₹1,30,000 on day 30. ₹88,200 reaches your bank after the processing fee and GST are deducted. The APR is about 577%.
How fast can I get ₹1 Lakh?
Most complete applications receive a decision in about 10 minutes, with disbursal the same day after you e-sign.
Need a different amount?
Your salary, a little early.
Check your offer in 2 minutes. Free, and no impact on your credit score.