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Do you  need 30 lakh rupees urgently? Personal loan of Rs 30 Lakh is a great way to tackle unexpected or immediate financial requirements. Easily accessible through an end-to-end digital process, most lenders offer a personal loan of ₹30 Lakhs online. 

Purpose of ₹30 Lakh Personal Loan

Availing a personal loan of  Rupees 30 Lakhs is a major undertaking, and you can use the funds in many different ways. Here are a few ways in which ₹30 Lakh Personal Loan can come in handy:

  • Host a wedding 

  • Pay education fees

  • Consolidate your debt

  • Fund a family vacation

  • Pay the down payment for a big-ticket purchase

  • Renovate your home

  • Handle a medical emergency

These are just a few ways in which a high-value personal loan can be a great solution. Here, the main perk of a personal loan is that there is no end-use restriction on the funds you get. This means that you can use the amount for virtually any purpose.

₹30 Lakh Personal Loan Interest Rates

Personal Loan Interest rates are a crucial factor that you should look at whether you avail a ₹30 Lakh personal loan or a personal loan of any other amount. This is because loan interest rates influence your cost of borrowing and the monthly instalment you pay. 

A high interest rate means a high cost of borrowing and possibly a high EMI amount. As such, ensuring that you get the best interest rate is a must. On Bajaj Markets, you can avail a personal loan with interest rates that start at just 10.49% per annum. 

₹30 Lakh Personal Loan Eligibility

Checking your eligibility before applying for any credit can help you ensure that the application process is smooth and increase your chances of approval. Although the criteria varies from lender to lender, some common eligibility requirements include the following:

  • You must be between 18-65 years of age 

  • You must have an adequate credit score, generally 750 and above

  • You must have a stable source of income, either salaried or self-employed 

You can use an eligibility calculator to check your ₹30 Lakh Personal Loan eligibility for different lenders. This way, you can choose a lender that has easy terms and offers the financing you need. 

₹30 Lakh Personal Loan EMI Calculator

Loan Amount
  • Months
  • Years
Rate of Interest

Monthly EMI

at % interest rate for months

Total Amount Payable
Principal Amount
Total Interest
Year Principal Interest Balance

A Personal Loan EMI calculator is a great way to optimise your loan and ensure that it is feasible. The online tool provides an accurate estimate of your EMIs based on your loan terms. You can adjust these loan variables as many times as you want to reach suitable terms. 

You can even use the calculator to compare deals and assess the most affordable. This way, you ensure that you get the funds you need and at an affordable rate.

Given below is a table that gives you an estimate of your EMIs and interest amount for a tenure of 5 years and 10 years.

₹30 Lakh Personal Loan EMI for 5 years

At an interest rate of 10.49% p.a., Rs. 30 Lakh Personal Loan EMI for 5 years is ₹64,467. The interest amount is ₹8,68,010, and the total repayment is ₹38,68,010.





1 (March-Dec 2023)




2 (2024)




3 (2025)




4 (2026)




5 (2027)




6 (Jan-Feb 2028)




₹30 Lakh Personal Loan EMI for 10 years

At an interest rate of 10.49% p.a., the EMI for a personal loan of Rs 30 Lakhs with a repayment tenure of 10 years is ₹40,464. The interest amount is ₹18,55,644, and the total repayment is ₹48,55,644.





1 (March-Dec 2023)




2 (2024)




3 (2025)




4 (2026)




5 (2027)




6 (2028)




7 (2029)




8 (2030)




9 (2031)




10 (2032)




11 (Jan-Feb 2033)




Documents for ₹30 Lakh Personal Loan

Having the required documents at hand before applying allows you to enjoy a hassle-free and smooth application process. You can check the documents required by checking the lender’s website. 

Generally, to avail a personal of ₹30 Lakhs or any other amount, you will need to submit the following documents:

  • 2 passport-size photographs

  • Income proof

  1. Salary slips 

  2. Bank statement 

  • ID proof

  1. Driving Licence

  2. Aadhaar card

  3. PAN card

  4. Voter ID

  5. Passport

  • Address proof

  1. Aadhaar card

  2. Utility bills

  3. Voter ID

  4. Passport

  5. Driving Licence

How to Apply for a 30 Lakhs Personal Loan

What if “I need 30 lakhs rupees urgently; how can I get it?”. The simplest answer is to apply online. The application process for a personal loan is completely digital and takes only a few minutes. 

Follow the steps below:

  • Visit the Personal Loan application page on the official website

  • Enter the required details

  • Choose the offer that’s best for your needs

  • Complete the verification

Once you submit and sign your application, the sanctioned amount will be transferred to your account. 

Whether it is a ₹30 Lakh personal loan or any other amount, availing credit is something you should do only after careful consideration. Consider your current and future financial standing to assess if it is a viable option. 

Generally, you should look for competitive interest rates and flexible repayment tenure to ensure a hassle-free experience. At Bajaj Markets, you can find a loan of up to ₹50 Lakhs at competitive rates with a repayment tenure that goes up to 60 months. 

Apply online today for a hassle-free digital application and management of your loan.

FAQs on 30 Lakhs Personal Loan

With digital advancements, applying for a personal loan of any amount has become simpler, quicker, and easier. At Bajaj Markets, you can apply for a personal loan by visiting the official website and filling out a quick application form.

Yes, you can get a personal loan of 30 Lakhs if you meet the eligibility criteria set by the lender.

To get a ₹30 lakh personal loan from your bank, you will have to check your eligibility as per the requirements set by your bank. You can even contact your bank’s customer service and talk to a representative to know how to avail a personal loan.

The EMI for a ₹30 Lakh personal loan will depend on the interest rate levied by the lender and your repayment tenure. To get an estimate of the EMI for ₹30 Lakh personal loan, EMI calculator is the best way to go about it. Simply enter the required details and check your repayment schedule.

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