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Quick personal loans tailored for individuals with ₹90,000 monthly income with flexible repayment options.
Getting a personal loan on a ₹90,000 monthly salary is easier, but approval still depends on factors like your credit score, city, and current liabilities. Many lenders on Bajaj Markets provide flexible loan options for individuals with this income.
Compare offers, review interest rates, and pick a plan that fits your needs and repayment capacity.
Banks and NBFCs on Bajaj Markets offer personal loans up to ₹55 Lakhs. The loan amount you qualify for depends on your repayment capacity.
Lenders will assess this by checking your monthly income. They consider your salary, existing EMIs, and your co-applicant’s income, if any. They also review your income stability and overall financial profile before deciding on the eligible loan amount.
Refer the table below:-
Partner Name |
Min Interest Rate |
Max Tenure |
Processing Fee |
|---|---|---|---|
10% p.a. |
96 months |
Up to 3.93% of the loan amount |
|
2.79% p.m. |
18 months |
Up to 5.5% of the personal loan amount + GST |
|
11% p.a. |
48 months |
0.70% to 2.80% of the loan amount + 18% GST |
|
14% p.a. |
36 months |
Up to 2% of the loan amount |
|
15.95% p.a. |
60 months |
Up to 3% of total loan amount |
|
18% p.a. |
42 months |
2% to 6% of the loan amount + GST |
|
16% p.a. |
60 months |
2%-5% on the sanctioned amount |
|
14% p.a. |
24 months |
3% - 5% of the loan amount |
|
10.99% p.a. |
72 months |
Up to 1.10% - 1.50% of the loan amount + GST |
|
14% p.a. |
24 months |
Up to 3% of the loan amount |
|
12% p.a. |
48 months |
Up to 2% of loan amount + GST |
|
18% p.a. |
36 months |
5% to 10% of the loan amount |
|
1.33% p.m. |
60 months |
Starting from 2% of the approved loan amount |
|
24% p.a. |
90 days |
₹50 to ₹200 + 18% GST (depending on the loan amount with a maximum APR of 48%) |
|
14.50% p.a. |
60 months |
2% to 4% of the loan amount |
|
18% p.a. |
12 months |
2% - 12% of the loan amount |
|
15% p.a. |
60 months |
2% - 2.5% of the loan amount + GST or ₹500 + GST (whichever is higher) |
|
9.99% p.a. |
60 months |
1%-3% of the loan amount +GST |
|
12% p.a. |
60 months |
0% - 6% of the loan amount |
|
18% p.a. |
36 months |
Up to 4% of the loan amount |
|
12.50% p.a. |
72 months |
Up to 2.75% of the loan amount |
|
18% p.a. |
12 months |
2% to 6% of the loan amount |
Browse offers from over 20 lenders and borrow up to ₹55 Lakhs based on your eligibility. Find the option that matches your needs.
Rates start from just 9.99% p.a., making repayments affordable. Lower rates help reduce your overall loan cost.
Use the loan for medical needs, weddings, travel, education, or debt consolidation. There are no restrictions on how you spend the funds.
No need to pledge any assets. The lender approves the loan based on your credit profile.
Lenders assess your income, existing debts, and credit score to decide the personal loan amount you qualify for.
Using the multiplier method, lenders calculate your loan eligibility by applying a fixed factor, often around 15 times, to your monthly salary. For example, with a salary of ₹90,000, you may be eligible for a personal loan of up to ₹13.5 Lakhs.
Estimated Personal Loan Eligibility for Monthly Salaries up to ₹90,000 (Multiplier Method)
Check out the table below to get an idea of the personal loan amount you can get for salaries up to ₹80,000. These are calculated using the standard income multiplier method.
Monthly Income (₹) |
Estimated Loan Amount (₹) |
|---|---|
₹81,000 |
₹12,15,000 |
₹82,000 |
₹12,30,000 |
₹83,000 |
₹12,45,000 |
₹84,000 |
₹12,60,000 |
₹85,000 |
₹12,75,000 |
₹86,000 |
₹12,90,000 |
₹87,000 |
₹13,05,000 |
₹88,000 |
₹13,20,000 |
₹89,000 |
₹13,35,000 |
₹90,000 |
₹13,50,000 |
The FOIR (Fixed Obligation to Income Ratio) model factors in your existing EMI commitments. Most banks and NBFCs prefer that your total EMIs, including the new loan, stay within 40% to 50% of your net monthly income.
Example
Monthly Income: ₹90,000
FOIR Cap (at 50%): ₹45,000
Using ₹45,000 as the maximum allowable EMI, the lender estimates your eligible loan amount based on current interest rates and the repayment tenure
By applying either the FOIR or Multiplier method, lenders estimate a loan amount that won’t put pressure on your monthly finances.
To apply for a personal loan, you need a CIBIL score of 650 or above. If your score is low, follow these simple tips to improve it
Keep your credit report error-free by checking statements regularly and fixing any mistakes
Maintain a credit utilisation ratio of 30% or less and avoid overspending
Balance your credit mix by adding secured loans, like a home loan, to your profile
Review add-on cards and joint accounts to avoid the impact of others’ poor credit behaviour
Your eligibility for a personal loan depends on several factors beyond your income. Lenders look at your credit score, current financial obligations, and repayment track record before approving your application.
A good credit score shows responsible money management and improves your chances of loan approval. It can also help you get lower interest rates. Most lenders consider a cibil score of 650 or higher suitable for personal loans.
Typically, lenders prefer applicants between 18 and 60 years of age. Younger borrowers may need a co-applicant, while older individuals might face stricter approval checks.
Having an existing relationship with the lender can be beneficial. Some lenders offer quicker approvals or better terms to their existing customers.
Submitting correct and complete documents is key to smooth processing. Many lenders accept digital applications using basic documents like PAN and Aadhaar.
Each lender follows its own eligibility guidelines. Comparing different offers helps you find a loan that fits your profile and needs
To apply for a personal loan with a ₹90,000 salary, you need to submit a few essential documents:
Document Type |
Accepted Documents |
|---|---|
Identity Proof(Any one) |
PAN Card, Aadhaar Card, Voter ID, Passport, Driving Licence |
Address Proof(Any one) |
Voter ID, Aadhaar Card, Passport, Driving Licence, Electricity Bill, Telephone Bill |
Income Proof |
Bank statement or salary slips for the last 3 months |
Follow these simple steps to apply for a personal loan on Bajaj Markets:
Go to the personal loan page
Click on the ‘Check Offers’ option on this page
Provide your personal details
Choose a lender from the list provided
Enter the preferred tenure and the required loan amount
Recheck the information entered and submit the application
Following this, a representative will reach out to you for further proceedings.
With a salary of ₹90,000, you may be eligible for a personal loan of up to ₹13.5 Lakhs, as per the standard income multiplier method.
A CIBIL score of 650 or above is generally required to apply for a personal loan with this salary.
You can get an interest rate starting from 9.99% per annum from partners available on Bajaj Markets. The exact rate will depend on your credit score, income stability, and overall profile.
You can choose a repayment tenure of up to 96 months from partners available on Bajaj Markets. The final tenure will depend on the lender’s policies and your eligibility.
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