{"id":15298,"date":"2026-07-31T21:47:19","date_gmt":"2026-07-31T16:17:19","guid":{"rendered":"https:\/\/www.ruloans.com\/blog\/?p=15298"},"modified":"2026-08-04T16:02:31","modified_gmt":"2026-08-04T10:32:31","slug":"10-lakh-personal-loan-salary-eligibility","status":"publish","type":"post","link":"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/","title":{"rendered":"\u20b910 Lakh Personal Loan: Salary Needed &#038; Eligibility 2026"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">For a standard 5-year tenure at current market interest rates, most banks and well-rated NBFCs expect a net monthly salary of roughly <strong>\u20b945,000\u2013\u20b960,000<\/strong>, assuming no existing EMIs and a credit score of 750+. This figure comes from lenders applying a Fixed Obligation to Income Ratio (FOIR) of 50\u201355% to the EMI of a \u20b910 lakh personal loan. There is <strong>no RBI-mandated minimum salary<\/strong> for a 10 lakh personal loan, this is a lender-calculated, affordability-based number, and it moves up or down with your tenure, interest rate, existing debt, and credit score.&nbsp;<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/#Salary_required_for_%E2%82%B910_lakh_personal_loan_illustrative_zero_existing_EMI\" >Salary required for \u20b910 lakh personal loan (illustrative, zero existing EMI):<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/#What_Salary_Do_You_Need_for_a_%E2%82%B910_Lakh_Personal_Loan\" >What Salary Do You Need for a \u20b910 Lakh Personal Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/#Money_in_Minutes\" >Money in Minutes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/#How_Do_Banks_Calculate_10_Lakh_Personal_Loan_Eligibility\" >How Do Banks Calculate 10 Lakh Personal Loan Eligibility?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/#What_Is_FOIR_and_Why_Does_It_Matter\" >What Is FOIR and Why Does It Matter?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/#Money_in_Minutes-2\" >Money in Minutes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/#How_Does_Credit_Score_Affect_a_%E2%82%B910_Lakh_Personal_Loan\" >How Does Credit Score Affect a \u20b910 Lakh Personal Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/#How_Do_Existing_EMIs_Reduce_Loan_Eligibility\" >How Do Existing EMIs Reduce Loan Eligibility?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/#How_Does_Loan_Tenure_Affect_the_10_Lakh_Personal_Loan_EMI\" >How Does Loan Tenure Affect the 10 Lakh Personal Loan EMI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/#Money_in_Minutes-3\" >Money in Minutes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/#What_Are_the_Estimated_EMIs_for_Different_Tenures_and_Interest_Rates\" >What Are the Estimated EMIs for Different Tenures and Interest Rates?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/#Can_You_Get_a_%E2%82%B910_Lakh_Personal_Loan_on_a_%E2%82%B930000_Salary\" >Can You Get a \u20b910 Lakh Personal Loan on a \u20b930,000 Salary?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/#Can_Self-Employed_Applicants_Qualify_for_a_%E2%82%B910_Lakh_Personal_Loan\" >Can Self-Employed Applicants Qualify for a \u20b910 Lakh Personal Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/#Money_in_Minutes-4\" >Money in Minutes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/#What_Documents_Are_Usually_Required_for_a_%E2%82%B910_Lakh_Personal_Loan\" >What Documents Are Usually Required for a \u20b910 Lakh Personal Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/#Bank_vs_NBFC_Which_Is_Better_for_a_%E2%82%B910_Lakh_Personal_Loan\" >Bank vs NBFC: Which Is Better for a \u20b910 Lakh Personal Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/#Money_in_Minutes-5\" >Money in Minutes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/#Common_Reasons_Why_%E2%82%B910_Lakh_Personal_Loan_Applications_Are_Rejected\" >Common Reasons Why \u20b910 Lakh Personal Loan Applications Are Rejected<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/#How_Can_You_Improve_Personal_Loan_Salary_Eligibility\" >How Can You Improve Personal Loan Salary Eligibility?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/#Mistakes_to_Avoid_Before_Applying_for_a_Personal_Loan\" >Mistakes to Avoid Before Applying for a Personal Loan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/#Expert_Tips_to_Increase_Your_Personal_Loan_Approval_Chances\" >Expert Tips to Increase Your Personal Loan Approval Chances<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.ruloans.com\/blog\/10-lakh-personal-loan-salary-eligibility\/#FAQ\" >FAQ<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Salary_required_for_%E2%82%B910_lakh_personal_loan_illustrative_zero_existing_EMI\"><\/span><strong>Salary required for \u20b910 lakh personal loan (illustrative, zero existing EMI):<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Tenure<\/strong><\/td><td><strong>Approx. EMI (11\u201313% p.a.)<\/strong><\/td><td><strong>Salary needed (50% FOIR)<\/strong><\/td><td><strong>Salary needed (40% FOIR)<\/strong><\/td><\/tr><tr><td>3 years<\/td><td>\u20b932,700\u2013\u20b933,700<\/td><td>\u20b965,500\u2013\u20b967,400<\/td><td>\u20b981,800\u2013\u20b984,200<\/td><\/tr><tr><td>4 years<\/td><td>\u20b925,800\u2013\u20b926,800<\/td><td>\u20b951,700\u2013\u20b953,700<\/td><td>\u20b964,600\u2013\u20b967,100<\/td><\/tr><tr><td>5 years<\/td><td>\u20b921,700\u2013\u20b922,800<\/td><td>\u20b943,500\u2013\u20b945,500<\/td><td>\u20b954,400\u2013\u20b956,900<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Figures are illustrative estimates using standard EMI and FOIR formulas. Actual eligibility varies by lender.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Salary_Do_You_Need_for_a_%E2%82%B910_Lakh_Personal_Loan\"><\/span><strong>What Salary Do You Need for a \u20b910 Lakh Personal Loan?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For salaried applicants with no existing EMIs and a good credit score, a net monthly salary in the range of \u20b945,000\u2013\u20b960,000 is typically enough to be considered for a <a href=\"https:\/\/www.ruloans.com\/personal-loan\">\u20b910 lakh personal loan<\/a> over a 4\u20135 year tenure. This is an illustrative range based on standard <a href=\"https:\/\/www.ruloans.com\/blog\/why-you-should-give-importance-to-personal-loan-eligibility\/\">eligibility<\/a> formulas, not a fixed rule set by any regulator or bank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Across the broader personal loan India market, this salary required for a 10 lakh personal loan figure shifts depending on whether you&#8217;re applying to a public sector bank, a private bank, or an NBFC, each applies its own multiplier or FOIR cap.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Two calculation approaches sit behind that range:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The FOIR method<\/strong> (the one most banks actually underwrite with): lenders cap your total EMI obligations at 40\u201360% of net income, then work out how much loan that supports. This is covered in full in Section 3.<\/li>\n\n\n\n<li><strong>The multiplier method<\/strong> (a simpler shorthand some lenders quote): the eligible loan amount is capped at roughly 20\u201330 times your net monthly salary. At a 24x multiple, the ratio some public sector banks reference for their salary-based schemes, a \u20b910 lakh loan corresponds to a minimum salary of about \u20b941,667. At a more conservative 20x, that rises to \u20b950,000; at a more generous 30x, it falls to about \u20b933,333.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s also worth separating two different numbers that often get conflated: the <strong>entry-level minimum salary<\/strong> a bank publishes just to accept an application (commonly \u20b915,000\u2013\u20b930,000 across major private and public sector banks), and the <strong>actual salary needed for \u20b910 lakh specifically<\/strong>, which is almost always higher once FOIR is applied. Meeting a lender&#8217;s advertised minimum gets you past the first filter, it doesn&#8217;t by itself confirm a \u20b910 lakh sanction.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key takeaway:<\/strong> Treat the \u20b945,000\u2013\u20b960,000 range as a planning benchmark for a 4\u20135 year tenure with a clean credit profile, your own number depends on your existing obligations, chosen tenure, and the lender&#8217;s specific FOIR cap.<\/p>\n\n\n\n<div class=\"rl-cta\">\n  <div class=\"rl-cta__glow\" aria-hidden=\"true\"><\/div>\n  <span class=\"rl-cta__mark\" aria-hidden=\"true\">\u20b9<\/span>\n  <div class=\"rl-cta__inner\">\n    <p class=\"rl-cta__eyebrow\"><\/p>\n    <h2 class=\"rl-cta__title\"><span class=\"ez-toc-section\" id=\"Money_in_Minutes\"><\/span>Money in Minutes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p class=\"rl-cta__desc\"><\/p>\n    <ul class=\"rl-cta__usps\">\n      <li><span class=\"rl-cta__tick\" aria-hidden=\"true\">\u2713<\/span> Cash from \u20b95\u201310 Lakh<sup>*<\/sup><\/li>\n      <li><span class=\"rl-cta__tick\" aria-hidden=\"true\">\u2713<\/span> Instant approval<\/li>\n      <li><span class=\"rl-cta__tick\" aria-hidden=\"true\">\u2713<\/span> Rates from 10.49% p.a.<sup>*<\/sup><\/li>\n    <\/ul>\n    <a class=\"rl-cta__btn\" href=\"https:\/\/www.ruloans.com\/personal-loan\">Apply Now <span aria-hidden=\"true\">\u2192<\/span><\/a>\n    <p class=\"rl-cta__proof\">No hidden charges \u2022 Trusted by 1M+ borrowers across 4,000+ cities<\/p>\n    <p class=\"rl-cta__tnc\">*Interest rate subject to eligibility &amp; credit profile. T&amp;C apply.<\/p>\n  <\/div>\n<\/div>\n<style>\n  @import url('https:\/\/fonts.googleapis.com\/css2?family=Montserrat:wght@600;700;800&family=Inter:wght@400;500;600&display=swap');\n  .rl-cta{--rl-a:#0477bd;--rl-b:#035a8f;--rl-c:#023f66;--rl-red:#e3252a;position:relative;overflow:hidden;border-radius:20px;background:linear-gradient(135deg,var(--rl-a) 0%,var(--rl-b) 55%,var(--rl-c) 100%);color:#fff;box-shadow:0 20px 45px -20px rgba(0,0,0,.5);-webkit-font-smoothing:antialiased}\n  .rl-cta,.rl-cta *{font-family:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif !important;box-sizing:border-box}\n  .rl-cta__eyebrow,.rl-cta__title,.rl-cta__btn{font-family:'Montserrat',system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif !important}\n  .rl-cta__inner{position:relative;z-index:2;padding:44px 48px}\n  .rl-cta__glow{position:absolute;inset:0;z-index:1;background:radial-gradient(120% 140% at 100% 0%,rgba(255,255,255,.14),transparent 55%)}\n  .rl-cta__mark{position:absolute;right:-8px;bottom:-46px;z-index:1;font-size:230px;line-height:1;font-weight:800;color:rgba(255,255,255,.07);pointer-events:none;user-select:none}\n  .rl-cta__eyebrow{margin:0 0 14px !important;font-size:13px !important;font-weight:700 !important;letter-spacing:2.4px;text-transform:uppercase !important;color:#e3252a !important}\n  .rl-cta__title{margin:0 0 16px !important;font-size:40px !important;line-height:1.05 !important;font-weight:800 !important;letter-spacing:-.01em;color:#fff !important;text-transform:none !important;padding:0 !important}\n  .rl-cta__desc{margin:0 0 26px !important;max-width:660px;font-size:17px !important;line-height:1.55 !important;font-weight:400 !important;color:rgba(255,255,255,.92) !important}\n  .rl-cta__usps{list-style:none !important;margin:0 0 30px !important;padding:0 !important;display:flex;flex-wrap:wrap;gap:14px 40px}\n  .rl-cta__usps li{display:flex;align-items:center;gap:10px;font-size:16px !important;font-weight:500 !important;color:#fff !important;margin:0 !important}\n  .rl-cta__usps li::before{display:none !important}\n  .rl-cta__usps sup{font-size:10px;opacity:.7}\n  .rl-cta__tick{display:inline-flex;align-items:center;justify-content:center;width:24px;height:24px;border-radius:50%;background:rgba(255,255,255,.2);font-size:13px;font-weight:700;flex:0 0 auto;color:#fff !important}\n  .rl-cta__btn{display:inline-flex;align-items:center;gap:8px;background:var(--rl-red) !important;color:#fff !important;text-decoration:none !important;font-size:17px !important;font-weight:700 !important;padding:16px 30px !important;border-radius:12px;box-shadow:0 10px 24px -10px rgba(0,0,0,.55);transition:transform .18s ease,box-shadow .18s ease,background .18s ease}\n  .rl-cta__btn span{transition:transform .18s ease}\n  .rl-cta__btn:hover{transform:translateY(-2px);background:#c41f24 !important;box-shadow:0 16px 30px -12px rgba(0,0,0,.6)}\n  .rl-cta__btn:hover span{transform:translateX(4px)}\n  .rl-cta__btn:focus-visible{outline:3px solid #fff;outline-offset:3px}\n  .rl-cta__proof{margin:18px 0 0 !important;font-size:14px !important;font-weight:400 !important;color:rgba(255,255,255,.68) !important}\n  .rl-cta__tnc{margin:8px 0 0 !important;font-size:11.5px !important;font-weight:400 !important;color:rgba(255,255,255,.5) !important}\n  @media (max-width:640px){.rl-cta__inner{padding:34px 26px}.rl-cta__title{font-size:30px !important}.rl-cta__desc{font-size:16px !important}.rl-cta__usps{flex-direction:column;gap:12px}.rl-cta__btn{width:100%;justify-content:center}.rl-cta__mark{font-size:160px;bottom:-30px}}\n  @media (prefers-reduced-motion:reduce){.rl-cta__btn,.rl-cta__btn span{transition:none}}\n<\/style>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Also Read:<\/strong><a href=\"https:\/\/www.ruloans.com\/blog\/how-much-personal-loan-can-i-get-on-my-salary\/\"> How much personal loan can I get on my salary?<\/a>&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Do_Banks_Calculate_10_Lakh_Personal_Loan_Eligibility\"><\/span><strong>How Do Banks Calculate 10 Lakh Personal Loan Eligibility?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Banks calculate eligibility using a combination of net monthly income, FOIR (existing EMIs + proposed EMI as a percentage of income), credit score, employer category, work experience, age, and repayment tenure. No single factor decides approval, it is a composite underwriting decision.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here is the actual sequence most underwriting engines follow for an unsecured personal loan application:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Income verification<\/strong> \u2013 salary slips (last 3 months), Form 16, or bank statements (last 6 months) confirming salary credits.<\/li>\n\n\n\n<li><strong>FOIR calculation<\/strong> \u2013 total monthly obligations (existing EMIs + credit card minimums + proposed EMI) divided by net monthly income.<\/li>\n\n\n\n<li><strong>Credit bureau check<\/strong> \u2013 CIBIL, Experian, or Equifax score and repayment history.<\/li>\n\n\n\n<li><strong>Employer\/company category<\/strong> \u2013 government, listed MNC, mid-size private company, or small\/unlisted firm; each carries a different risk weight.<\/li>\n\n\n\n<li><strong>Employment stability<\/strong> \u2013 minimum work experience (usually 1\u20132 years total, 6 months to 1 year in the current job).<\/li>\n\n\n\n<li><strong>Age and residual working years<\/strong> \u2013 affects the maximum tenure the lender will approve.<\/li>\n\n\n\n<li><strong>City\/location<\/strong> \u2013 metro vs non-metro salary benchmarks sometimes differ slightly.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key takeaway:<\/strong> Eligibility is not a single formula. It is a combination of income, obligations, credit behaviour, and lender-specific policy, so the same applicant can get different loan amounts approved by different banks or NBFCs.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Also Read:<\/strong><a href=\"https:\/\/www.ruloans.com\/blog\/what-you-need-to-know-about-the-cibil-score-and-how-it-is-calculated\/\"> What you need to know about the CIBIL Score and how it is calculated<\/a>&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_FOIR_and_Why_Does_It_Matter\"><\/span><strong>What Is FOIR and Why Does It Matter?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">FOIR, or Fixed Obligation to Income Ratio, measures the percentage of your net monthly income that goes toward existing and proposed EMIs, rent, and other fixed obligations. Most lenders cap FOIR between 40% and 60% for personal loans, meaning your total EMIs, including the new loan, should not exceed this share of your take-home salary.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FOIR is arguably the single most important number in personal loan underwriting, more so than gross salary. It directly answers the lender&#8217;s core question: after meeting your fixed monthly obligations, how much of your income is genuinely free to service a new loan?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How FOIR is calculated:<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">FOIR (%) = (Total Existing EMIs + Proposed New EMI) \u00f7 Net Monthly Income \u00d7 100<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Illustrative FOIR Example<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Component<\/strong><\/td><td><strong>Amount (Illustrative)<\/strong><\/td><\/tr><tr><td>Net monthly salary<\/td><td>\u20b960,000<\/td><\/tr><tr><td>Existing car loan EMI<\/td><td>\u20b98,000<\/td><\/tr><tr><td>Existing credit card EMI<\/td><td>\u20b94,000<\/td><\/tr><tr><td>Proposed \u20b910 lakh personal loan EMI (5-year tenure, ~10% p.a.)<\/td><td>\u20b921,247<\/td><\/tr><tr><td><strong>Total obligations<\/strong><\/td><td><strong>\u20b933,247<\/strong><\/td><\/tr><tr><td><strong>FOIR<\/strong><\/td><td><strong>~55%<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">In this illustrative case, a FOIR of around 55% may be within an acceptable range for many lenders, but some conservative lenders cap FOIR at 40\u201350% for personal loans, which could mean this applicant may need a longer tenure or a lower loan amount to qualify. These figures are illustrative only; actual FOIR caps vary by lender and applicant profile.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Myth vs Fact<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Myth<\/strong><\/td><td><strong>Fact<\/strong><\/td><\/tr><tr><td>A high salary always means high loan eligibility<\/td><td>A high salary with high existing EMIs can result in a lower FOIR headroom, reducing eligibility<\/td><\/tr><tr><td>FOIR is fixed by RBI<\/td><td>FOIR limits are set internally by each bank or NBFC, not mandated by RBI<\/td><\/tr><tr><td>Only salary matters for FOIR<\/td><td>Rent, existing EMIs, and other fixed obligations are all included in FOIR calculations<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key takeaway:<\/strong> FOIR not gross salary is the single biggest lever behind how much you can actually borrow.<\/p>\n\n\n\n<div class=\"rl-cta\">\n  <div class=\"rl-cta__glow\" aria-hidden=\"true\"><\/div>\n  <span class=\"rl-cta__mark\" aria-hidden=\"true\">\u20b9<\/span>\n  <div class=\"rl-cta__inner\">\n    <p class=\"rl-cta__eyebrow\"><\/p>\n    <h2 class=\"rl-cta__title\"><span class=\"ez-toc-section\" id=\"Money_in_Minutes-2\"><\/span>Money in Minutes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p class=\"rl-cta__desc\"><\/p>\n    <ul class=\"rl-cta__usps\">\n      <li><span class=\"rl-cta__tick\" aria-hidden=\"true\">\u2713<\/span> Cash from \u20b95\u201310 Lakh<sup>*<\/sup><\/li>\n      <li><span class=\"rl-cta__tick\" aria-hidden=\"true\">\u2713<\/span> Instant approval<\/li>\n      <li><span class=\"rl-cta__tick\" aria-hidden=\"true\">\u2713<\/span> Rates from 10.49% p.a.<sup>*<\/sup><\/li>\n    <\/ul>\n    <a class=\"rl-cta__btn\" href=\"https:\/\/www.ruloans.com\/personal-loan\">Apply Now <span aria-hidden=\"true\">\u2192<\/span><\/a>\n    <p class=\"rl-cta__proof\">No hidden charges \u2022 Trusted by 1M+ borrowers across 4,000+ cities<\/p>\n    <p class=\"rl-cta__tnc\">*Interest rate subject to eligibility &amp; credit profile. T&amp;C apply.<\/p>\n  <\/div>\n<\/div>\n<style>\n  @import url('https:\/\/fonts.googleapis.com\/css2?family=Montserrat:wght@600;700;800&family=Inter:wght@400;500;600&display=swap');\n  .rl-cta{--rl-a:#0477bd;--rl-b:#035a8f;--rl-c:#023f66;--rl-red:#e3252a;position:relative;overflow:hidden;border-radius:20px;background:linear-gradient(135deg,var(--rl-a) 0%,var(--rl-b) 55%,var(--rl-c) 100%);color:#fff;box-shadow:0 20px 45px -20px rgba(0,0,0,.5);-webkit-font-smoothing:antialiased}\n  .rl-cta,.rl-cta *{font-family:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif !important;box-sizing:border-box}\n  .rl-cta__eyebrow,.rl-cta__title,.rl-cta__btn{font-family:'Montserrat',system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif !important}\n  .rl-cta__inner{position:relative;z-index:2;padding:44px 48px}\n  .rl-cta__glow{position:absolute;inset:0;z-index:1;background:radial-gradient(120% 140% at 100% 0%,rgba(255,255,255,.14),transparent 55%)}\n  .rl-cta__mark{position:absolute;right:-8px;bottom:-46px;z-index:1;font-size:230px;line-height:1;font-weight:800;color:rgba(255,255,255,.07);pointer-events:none;user-select:none}\n  .rl-cta__eyebrow{margin:0 0 14px !important;font-size:13px !important;font-weight:700 !important;letter-spacing:2.4px;text-transform:uppercase !important;color:#e3252a !important}\n  .rl-cta__title{margin:0 0 16px !important;font-size:40px !important;line-height:1.05 !important;font-weight:800 !important;letter-spacing:-.01em;color:#fff !important;text-transform:none !important;padding:0 !important}\n  .rl-cta__desc{margin:0 0 26px !important;max-width:660px;font-size:17px !important;line-height:1.55 !important;font-weight:400 !important;color:rgba(255,255,255,.92) !important}\n  .rl-cta__usps{list-style:none !important;margin:0 0 30px !important;padding:0 !important;display:flex;flex-wrap:wrap;gap:14px 40px}\n  .rl-cta__usps li{display:flex;align-items:center;gap:10px;font-size:16px !important;font-weight:500 !important;color:#fff !important;margin:0 !important}\n  .rl-cta__usps li::before{display:none !important}\n  .rl-cta__usps sup{font-size:10px;opacity:.7}\n  .rl-cta__tick{display:inline-flex;align-items:center;justify-content:center;width:24px;height:24px;border-radius:50%;background:rgba(255,255,255,.2);font-size:13px;font-weight:700;flex:0 0 auto;color:#fff !important}\n  .rl-cta__btn{display:inline-flex;align-items:center;gap:8px;background:var(--rl-red) !important;color:#fff !important;text-decoration:none !important;font-size:17px !important;font-weight:700 !important;padding:16px 30px !important;border-radius:12px;box-shadow:0 10px 24px -10px rgba(0,0,0,.55);transition:transform .18s ease,box-shadow .18s ease,background .18s ease}\n  .rl-cta__btn span{transition:transform .18s ease}\n  .rl-cta__btn:hover{transform:translateY(-2px);background:#c41f24 !important;box-shadow:0 16px 30px -12px rgba(0,0,0,.6)}\n  .rl-cta__btn:hover span{transform:translateX(4px)}\n  .rl-cta__btn:focus-visible{outline:3px solid #fff;outline-offset:3px}\n  .rl-cta__proof{margin:18px 0 0 !important;font-size:14px !important;font-weight:400 !important;color:rgba(255,255,255,.68) !important}\n  .rl-cta__tnc{margin:8px 0 0 !important;font-size:11.5px !important;font-weight:400 !important;color:rgba(255,255,255,.5) !important}\n  @media (max-width:640px){.rl-cta__inner{padding:34px 26px}.rl-cta__title{font-size:30px !important}.rl-cta__desc{font-size:16px !important}.rl-cta__usps{flex-direction:column;gap:12px}.rl-cta__btn{width:100%;justify-content:center}.rl-cta__mark{font-size:160px;bottom:-30px}}\n  @media (prefers-reduced-motion:reduce){.rl-cta__btn,.rl-cta__btn span{transition:none}}\n<\/style>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Also Read:<\/strong><a href=\"https:\/\/www.ruloans.com\/blog\/personal-loan-emi-calculator-tool-that-helps-you-plan-your-finances-better\/\"> Personal Loan EMI Calculator: A Tool That Helps You Plan Your Finances Better<\/a>&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Does_Credit_Score_Affect_a_%E2%82%B910_Lakh_Personal_Loan\"><\/span><strong>How Does Credit Score Affect a \u20b910 Lakh Personal Loan?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A higher credit score improves both approval chances and the interest rate offered on a <a href=\"https:\/\/www.ruloans.com\/personal-loan\">\u20b910 lakh personal loan<\/a>. Most lenders look for a <a href=\"https:\/\/www.ruloans.com\/check-your-cibil-score\">CIBIL score<\/a> of 700 or above, with 750+ generally associated with better pricing and faster approval, though no universal cut-off applies across all lenders.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Since an unsecured loan of this size carries no collateral, your credit score is one of the strongest signals of repayment reliability that a lender has. It reflects your history of repaying credit cards, existing loans, and other credit obligations.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Credit Score Ranges and Typical Lender Perception (Illustrative)<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Credit Score Range<\/strong><\/td><td><strong>Typical Lender View<\/strong><\/td><td><strong>Illustrative Impact<\/strong><\/td><\/tr><tr><td>750\u2013900<\/td><td>Considered strong<\/td><td>Better approval odds and potentially better interest rates<\/td><\/tr><tr><td>700\u2013749<\/td><td>Considered fair<\/td><td>May still qualify, often with closer scrutiny of income and FOIR<\/td><\/tr><tr><td>650\u2013699<\/td><td>Considered weak<\/td><td>Higher chance of rejection or reduced loan amount<\/td><\/tr><tr><td>Below 650<\/td><td>Considered high risk<\/td><td>Approval less likely with most mainstream lenders<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pro Tip:<\/strong> Checking your credit report before applying helps you spot and correct errors, such as an old loan wrongly marked as unpaid, that could otherwise hurt your application.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key takeaway:<\/strong> A 750+ score can sometimes offset a salary that&#8217;s on the lower side of a lender&#8217;s comfort zone, but it rarely overrides a genuinely insufficient income.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Also Read:<\/strong><a href=\"https:\/\/www.ruloans.com\/blog\/how-to-get-a-personal-loan-with-less-cibil-score\/\"> How to Get a Personal Loan with Less CIBIL Score<\/a>&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Do_Existing_EMIs_Reduce_Loan_Eligibility\"><\/span><strong>How Do Existing EMIs Reduce Loan Eligibility?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Existing EMIs directly reduce your eligible personal loan amount because lenders calculate FOIR by including all current obligations before adding the proposed EMI. Even a high earner with multiple ongoing loans may qualify for a smaller amount than intended, or need a longer tenure, compared to someone with the same salary and no existing debt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Illustrative Comparison: Same Salary, Different Existing EMIs<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Applicant<\/strong><\/td><td><strong>Net Monthly Salary<\/strong><\/td><td><strong>Existing EMIs<\/strong><\/td><td><strong>Approx. Disposable Income for New EMI (at 50% FOIR cap)<\/strong><\/td><\/tr><tr><td>A<\/td><td>\u20b970,000<\/td><td>None<\/td><td>\u20b935,000<\/td><\/tr><tr><td>B<\/td><td>\u20b970,000<\/td><td>\u20b915,000 (car loan)<\/td><td>\u20b920,000<\/td><\/tr><tr><td>C<\/td><td>\u20b970,000<\/td><td>\u20b925,000 (car + personal loan)<\/td><td>\u20b910,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">This table illustrates why two applicants with identical salaries can receive very different loan offers. Applicant C, despite earning the same as A and B, has significantly less headroom for a new EMI and may need to either reduce existing debt, choose a longer tenure, or request a smaller loan amount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pro tip:<\/strong> Before applying, add up every running EMI, including <a href=\"https:\/\/www.ruloans.com\/blog\/4-easy-steps-to-get-rid-of-your-credit-card-debt\/\">credit card<\/a> minimum dues and buy-now-pay-later instalments, which many applicants forget to count, since lenders will factor these in regardless.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key takeaway:<\/strong> Reducing or closing existing EMIs before applying is often the fastest way to raise your \u20b910 lakh loan eligibility without waiting for a salary hike.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Also Read:<\/strong><a href=\"https:\/\/www.ruloans.com\/blog\/reduce-your-emi-and-increase-savings-with-personal-loan-balance-transfer\/\"> Reduce your EMI and increase savings with Personal Loan Balance Transfer<\/a>&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Does_Loan_Tenure_Affect_the_10_Lakh_Personal_Loan_EMI\"><\/span><strong>How Does Loan Tenure Affect the 10 Lakh Personal Loan EMI?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A longer <a href=\"https:\/\/www.ruloans.com\/blog\/how-to-choose-tenure-for-personal-loans\/\">tenure<\/a> lowers the EMI for the same \u20b910 lakh loan amount, which reduces the monthly salary needed to qualify, but it also increases the total interest paid over the life of the loan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Illustrative EMI comparison for a \u20b910 lakh personal loan at 12% p.a.:<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Tenure<\/strong><\/td><td><strong>EMI (approx.)<\/strong><\/td><td><strong>Total Interest Paid (approx.)<\/strong><\/td><\/tr><tr><td>1 year<\/td><td>\u20b988,849<\/td><td>\u20b966,188<\/td><\/tr><tr><td>2 years<\/td><td>\u20b947,073<\/td><td>\u20b91,29,752<\/td><\/tr><tr><td>3 years<\/td><td>\u20b933,214<\/td><td>\u20b91,95,704<\/td><\/tr><tr><td>4 years<\/td><td>\u20b926,334<\/td><td>\u20b92,64,032<\/td><\/tr><tr><td>5 years<\/td><td>\u20b922,244<\/td><td>\u20b93,34,640<\/td><\/tr><tr><td>6 years<\/td><td>\u20b919,550<\/td><td>\u20b94,07,600<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key takeaway:<\/strong> Choosing a 5\u20136 year tenure can lower the salary you need to qualify, but it also means paying significantly more interest overall, the trade-off should be a deliberate choice, not a default.<\/p>\n\n\n\n<div class=\"rl-cta\">\n  <div class=\"rl-cta__glow\" aria-hidden=\"true\"><\/div>\n  <span class=\"rl-cta__mark\" aria-hidden=\"true\">\u20b9<\/span>\n  <div class=\"rl-cta__inner\">\n    <p class=\"rl-cta__eyebrow\"><\/p>\n    <h2 class=\"rl-cta__title\"><span class=\"ez-toc-section\" id=\"Money_in_Minutes-3\"><\/span>Money in Minutes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p class=\"rl-cta__desc\"><\/p>\n    <ul class=\"rl-cta__usps\">\n      <li><span class=\"rl-cta__tick\" aria-hidden=\"true\">\u2713<\/span> Cash from \u20b95\u201310 Lakh<sup>*<\/sup><\/li>\n      <li><span class=\"rl-cta__tick\" aria-hidden=\"true\">\u2713<\/span> Instant approval<\/li>\n      <li><span class=\"rl-cta__tick\" aria-hidden=\"true\">\u2713<\/span> Rates from 10.49% p.a.<sup>*<\/sup><\/li>\n    <\/ul>\n    <a class=\"rl-cta__btn\" href=\"https:\/\/www.ruloans.com\/personal-loan\">Apply Now <span aria-hidden=\"true\">\u2192<\/span><\/a>\n    <p class=\"rl-cta__proof\">No hidden charges \u2022 Trusted by 1M+ borrowers across 4,000+ cities<\/p>\n    <p class=\"rl-cta__tnc\">*Interest rate subject to eligibility &amp; credit profile. T&amp;C apply.<\/p>\n  <\/div>\n<\/div>\n<style>\n  @import url('https:\/\/fonts.googleapis.com\/css2?family=Montserrat:wght@600;700;800&family=Inter:wght@400;500;600&display=swap');\n  .rl-cta{--rl-a:#0477bd;--rl-b:#035a8f;--rl-c:#023f66;--rl-red:#e3252a;position:relative;overflow:hidden;border-radius:20px;background:linear-gradient(135deg,var(--rl-a) 0%,var(--rl-b) 55%,var(--rl-c) 100%);color:#fff;box-shadow:0 20px 45px -20px rgba(0,0,0,.5);-webkit-font-smoothing:antialiased}\n  .rl-cta,.rl-cta *{font-family:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif !important;box-sizing:border-box}\n  .rl-cta__eyebrow,.rl-cta__title,.rl-cta__btn{font-family:'Montserrat',system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif !important}\n  .rl-cta__inner{position:relative;z-index:2;padding:44px 48px}\n  .rl-cta__glow{position:absolute;inset:0;z-index:1;background:radial-gradient(120% 140% at 100% 0%,rgba(255,255,255,.14),transparent 55%)}\n  .rl-cta__mark{position:absolute;right:-8px;bottom:-46px;z-index:1;font-size:230px;line-height:1;font-weight:800;color:rgba(255,255,255,.07);pointer-events:none;user-select:none}\n  .rl-cta__eyebrow{margin:0 0 14px !important;font-size:13px !important;font-weight:700 !important;letter-spacing:2.4px;text-transform:uppercase !important;color:#e3252a !important}\n  .rl-cta__title{margin:0 0 16px !important;font-size:40px !important;line-height:1.05 !important;font-weight:800 !important;letter-spacing:-.01em;color:#fff !important;text-transform:none !important;padding:0 !important}\n  .rl-cta__desc{margin:0 0 26px !important;max-width:660px;font-size:17px !important;line-height:1.55 !important;font-weight:400 !important;color:rgba(255,255,255,.92) !important}\n  .rl-cta__usps{list-style:none !important;margin:0 0 30px !important;padding:0 !important;display:flex;flex-wrap:wrap;gap:14px 40px}\n  .rl-cta__usps li{display:flex;align-items:center;gap:10px;font-size:16px !important;font-weight:500 !important;color:#fff !important;margin:0 !important}\n  .rl-cta__usps li::before{display:none !important}\n  .rl-cta__usps sup{font-size:10px;opacity:.7}\n  .rl-cta__tick{display:inline-flex;align-items:center;justify-content:center;width:24px;height:24px;border-radius:50%;background:rgba(255,255,255,.2);font-size:13px;font-weight:700;flex:0 0 auto;color:#fff !important}\n  .rl-cta__btn{display:inline-flex;align-items:center;gap:8px;background:var(--rl-red) !important;color:#fff !important;text-decoration:none !important;font-size:17px !important;font-weight:700 !important;padding:16px 30px !important;border-radius:12px;box-shadow:0 10px 24px -10px rgba(0,0,0,.55);transition:transform .18s ease,box-shadow .18s ease,background .18s ease}\n  .rl-cta__btn span{transition:transform .18s ease}\n  .rl-cta__btn:hover{transform:translateY(-2px);background:#c41f24 !important;box-shadow:0 16px 30px -12px rgba(0,0,0,.6)}\n  .rl-cta__btn:hover span{transform:translateX(4px)}\n  .rl-cta__btn:focus-visible{outline:3px solid #fff;outline-offset:3px}\n  .rl-cta__proof{margin:18px 0 0 !important;font-size:14px !important;font-weight:400 !important;color:rgba(255,255,255,.68) !important}\n  .rl-cta__tnc{margin:8px 0 0 !important;font-size:11.5px !important;font-weight:400 !important;color:rgba(255,255,255,.5) !important}\n  @media (max-width:640px){.rl-cta__inner{padding:34px 26px}.rl-cta__title{font-size:30px !important}.rl-cta__desc{font-size:16px !important}.rl-cta__usps{flex-direction:column;gap:12px}.rl-cta__btn{width:100%;justify-content:center}.rl-cta__mark{font-size:160px;bottom:-30px}}\n  @media (prefers-reduced-motion:reduce){.rl-cta__btn,.rl-cta__btn span{transition:none}}\n<\/style>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Do you know?<\/strong><br>The RBI&#8217;s Monetary Policy Committee kept the repo rate unchanged at 5.25% at its June 2026 meeting, and that this decision was unanimous? The RBI&#8217;s Monetary Policy Committee on Friday unanimously voted to keep the repo rate unchanged at 5.25 percent and retain its neutral policy stance, while warning of rising inflation risks and a weaker growth outlook amid elevated crude oil prices, supply-chain disruptions and geopolitical tensions. This matters for anyone calculating a \u20b910 lakh personal loan EMI because the pause follows cumulative rate cuts of 100 basis points since the rate-cutting cycle began in February 2025, meaning current EMI benchmarks reflect this settled-rate environment rather than an active cutting cycle. The next MPC meeting is scheduled for 3\u20135 August 2026, so borrowers comparing offers this month should watch for any shift once that outcome is announced.&nbsp;<br>Source: <a href=\"https:\/\/www.forbesindia.com\/article\/forbesindiablogs\/rbi-mpc-june-2026-live-repo-rate-decision-governor-sanjay-malhotra-gdp-data-updates-liveblog\/2994645\/1\" target=\"_blank\" rel=\"noopener\">Forbes India, &#8220;RBI MPC June 2026 highlights<\/a>&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Also Read:<\/strong><a href=\"https:\/\/www.ruloans.com\/blog\/3-requirements-to-get-better-interest-rate-on-personal-loans\/\"> 3 Requirements to Get Better Interest Rate on Personal Loans<\/a>&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Are_the_Estimated_EMIs_for_Different_Tenures_and_Interest_Rates\"><\/span><strong>What Are the Estimated EMIs for Different Tenures and Interest Rates?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For a <a href=\"https:\/\/www.ruloans.com\/personal-loan\">\u20b910 lakh personal loan<\/a>, the EMI typically ranges from about \u20b988,000 (1-year tenure) to around \u20b919,000 (6-year tenure), depending on the <a href=\"https:\/\/www.ruloans.com\/blog\/personal-loan-interest-rate\/\">interest rate<\/a>, which commonly falls between 10.5% and 15% p.a. for salaried applicants in 2026.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Illustrative EMI table across rates and tenures (\u20b910 lakh personal loan):<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Tenure<\/strong><\/td><td><strong>10.5% p.a.<\/strong><\/td><td><strong>12% p.a.<\/strong><\/td><td><strong>14% p.a.<\/strong><\/td><\/tr><tr><td>3 years<\/td><td>\u20b932,502<\/td><td>\u20b933,214<\/td><td>\u20b934,178<\/td><\/tr><tr><td>4 years<\/td><td>\u20b925,603<\/td><td>\u20b926,334<\/td><td>\u20b927,326<\/td><\/tr><tr><td>5 years<\/td><td>\u20b921,494<\/td><td>\u20b922,244<\/td><td>\u20b923,268<\/td><\/tr><tr><td>6 years<\/td><td>\u20b918,779<\/td><td>\u20b919,550<\/td><td>\u20b920,606<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>These are illustrative EMI estimates based on the standard reducing-balance formula. Actual rates depend on your lender, credit profile, and prevailing market conditions, always confirm with the lender&#8217;s official EMI calculator before applying.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key takeaway:<\/strong> A roughly 3.5 percentage point swing in interest rate (10.5% vs 14%) changes the EMI on a 5-year, \u20b910 lakh loan by less than \u20b92,000 a month, tenure has a far bigger impact on affordability than small rate differences.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Also Read:<\/strong><a href=\"https:\/\/www.ruloans.com\/blog\/understanding-personal-loan-interest-rates-fixed-vs-variable\/\"> Understanding Personal Loan Interest Rates &#8211; Fixed vs. Variable<\/a>&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_You_Get_a_%E2%82%B910_Lakh_Personal_Loan_on_a_%E2%82%B930000_Salary\"><\/span><strong>Can You Get a \u20b910 Lakh Personal Loan on a \u20b930,000 Salary?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Qualifying for the full \u20b910 lakh amount on a \u20b930,000 monthly salary is difficult with most mainstream lenders, since the EMI would likely exceed typical FOIR limits even at the longest available tenure. Some applicants in this income bracket may still be offered a lower loan amount, or may need a co-applicant, guarantor, or additional income proof to improve eligibility.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Illustrative Scenario Table Across Salary Bands<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Monthly Net Salary<\/strong><\/td><td><strong>Illustrative FOIR Cap (50%)<\/strong><\/td><td><strong>Approx. Disposable Amount for EMI<\/strong><\/td><td><strong>Likely Eligible Loan Amount (Illustrative, 5-yr tenure)<\/strong><\/td><\/tr><tr><td>\u20b930,000<\/td><td>50%<\/td><td>\u20b915,000<\/td><td>Likely below \u20b97 lakh in most cases<\/td><\/tr><tr><td>\u20b950,000<\/td><td>50%<\/td><td>\u20b925,000<\/td><td>Approximately \u20b910.5\u201311.5 lakh, depending on interest rate<\/td><\/tr><tr><td>\u20b975,000<\/td><td>50%<\/td><td>\u20b937,500<\/td><td>\u20b910 lakh comfortably within range for many lenders<\/td><\/tr><tr><td>\u20b91,00,000<\/td><td>50%<\/td><td>\u20b950,000<\/td><td>\u20b910 lakh well within range, subject to credit profile<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">These figures are illustrative scenarios based on general FOIR assumptions, not confirmed lender policy. Actual eligibility depends on existing EMIs, credit score, employer category, and the specific lender&#8217;s underwriting model. Borrowers on lower salaries who still need \u20b910 lakh may explore options such as a longer tenure, reducing existing EMIs first, adding a co-applicant with income, or approaching NBFCs with more flexible income criteria.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Myth vs Fact About <\/strong>\u20b910 lakh Personal Loan<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Myth<\/strong><\/td><td><strong>Fact<\/strong><\/td><\/tr><tr><td>A \u20b930,000 salary can never get a \u20b910 lakh personal loan<\/td><td>It&#8217;s uncommon under standard underwriting, but a strong co-applicant, minimal existing debt, and an excellent credit score can sometimes bridge the gap, outcomes vary by lender<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key takeaway:<\/strong> At lower salary bands, focus on right-sizing the loan amount or strengthening the application with a co-applicant rather than assuming automatic rejection.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Also Read:<\/strong><a href=\"https:\/\/www.ruloans.com\/blog\/personal-loan-without-salary-slip\/\"> Personal Loan Without Salary Slip: 2026 Eligibility Guide<\/a>&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_Self-Employed_Applicants_Qualify_for_a_%E2%82%B910_Lakh_Personal_Loan\"><\/span><strong>Can Self-Employed Applicants Qualify for a \u20b910 Lakh Personal Loan?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, <a href=\"https:\/\/www.ruloans.com\/blog\/personal-loan-101-self-employed-professionals\/\">self-employed<\/a> professionals and business owners can qualify for a <a href=\"https:\/\/www.ruloans.com\/personal-loan\">\u20b910 lakh personal loan<\/a>, but lenders assess them on business turnover, profit, ITR filings, and business vintage rather than a fixed monthly salary.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Typical self-employed eligibility markers include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Minimum business vintage of 2\u20135 years (varies by lender)<\/li>\n\n\n\n<li>Consistent ITR filings for the last 2\u20133 years showing adequate net profit<\/li>\n\n\n\n<li>A credit score of 700+, often with a slightly stricter FOIR cap (around 45% versus 50% for salaried applicants)<\/li>\n\n\n\n<li>GST returns and bank statements as proof of business income stability<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Self-Employed vs Salaried: Eligibility Considerations<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Factor<\/strong><\/td><td><strong>Salaried Applicant<\/strong><\/td><td><strong>Self-Employed Applicant<\/strong><\/td><\/tr><tr><td>Primary income proof<\/td><td>Salary slips, Form 16<\/td><td>ITR, bank statements, P&amp;L<\/td><\/tr><tr><td>Income assessment<\/td><td>Relatively straightforward<\/td><td>More detailed; income can vary year to year<\/td><\/tr><tr><td>Employment stability check<\/td><td>Job tenure, employer category<\/td><td>Business vintage, industry type<\/td><\/tr><tr><td>Typical minimum experience sought<\/td><td>Often 1+ years in current job<\/td><td>Often 2\u20133+ years in business<\/td><\/tr><tr><td>Documentation depth<\/td><td>Lower<\/td><td>Higher<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Chartered accountants, doctors, consultants, and other self-employed professionals often have strong approval prospects if their declared income and bank statements clearly support the proposed EMI, even without a traditional salary slip. This flexibility reflects how the broader personal loan India market has evolved to accommodate diverse income profiles beyond traditional salaried employment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key takeaway:<\/strong> Self-employed applicants should think in terms of &#8220;provable annual income after expenses,&#8221; not a monthly salary figure, when assessing their \u20b910 lakh eligibility.<\/p>\n\n\n\n<div class=\"rl-cta\">\n  <div class=\"rl-cta__glow\" aria-hidden=\"true\"><\/div>\n  <span class=\"rl-cta__mark\" aria-hidden=\"true\">\u20b9<\/span>\n  <div class=\"rl-cta__inner\">\n    <p class=\"rl-cta__eyebrow\"><\/p>\n    <h2 class=\"rl-cta__title\"><span class=\"ez-toc-section\" id=\"Money_in_Minutes-4\"><\/span>Money in Minutes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p class=\"rl-cta__desc\"><\/p>\n    <ul class=\"rl-cta__usps\">\n      <li><span class=\"rl-cta__tick\" aria-hidden=\"true\">\u2713<\/span> Cash from \u20b95\u201310 Lakh<sup>*<\/sup><\/li>\n      <li><span class=\"rl-cta__tick\" aria-hidden=\"true\">\u2713<\/span> Instant approval<\/li>\n      <li><span class=\"rl-cta__tick\" aria-hidden=\"true\">\u2713<\/span> Rates from 10.49% p.a.<sup>*<\/sup><\/li>\n    <\/ul>\n    <a class=\"rl-cta__btn\" href=\"https:\/\/www.ruloans.com\/personal-loan\">Apply Now <span aria-hidden=\"true\">\u2192<\/span><\/a>\n    <p class=\"rl-cta__proof\">No hidden charges \u2022 Trusted by 1M+ borrowers across 4,000+ cities<\/p>\n    <p class=\"rl-cta__tnc\">*Interest rate subject to eligibility &amp; credit profile. T&amp;C apply.<\/p>\n  <\/div>\n<\/div>\n<style>\n  @import url('https:\/\/fonts.googleapis.com\/css2?family=Montserrat:wght@600;700;800&family=Inter:wght@400;500;600&display=swap');\n  .rl-cta{--rl-a:#0477bd;--rl-b:#035a8f;--rl-c:#023f66;--rl-red:#e3252a;position:relative;overflow:hidden;border-radius:20px;background:linear-gradient(135deg,var(--rl-a) 0%,var(--rl-b) 55%,var(--rl-c) 100%);color:#fff;box-shadow:0 20px 45px -20px rgba(0,0,0,.5);-webkit-font-smoothing:antialiased}\n  .rl-cta,.rl-cta *{font-family:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif !important;box-sizing:border-box}\n  .rl-cta__eyebrow,.rl-cta__title,.rl-cta__btn{font-family:'Montserrat',system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif !important}\n  .rl-cta__inner{position:relative;z-index:2;padding:44px 48px}\n  .rl-cta__glow{position:absolute;inset:0;z-index:1;background:radial-gradient(120% 140% at 100% 0%,rgba(255,255,255,.14),transparent 55%)}\n  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!important;font-weight:500 !important;color:#fff !important;margin:0 !important}\n  .rl-cta__usps li::before{display:none !important}\n  .rl-cta__usps sup{font-size:10px;opacity:.7}\n  .rl-cta__tick{display:inline-flex;align-items:center;justify-content:center;width:24px;height:24px;border-radius:50%;background:rgba(255,255,255,.2);font-size:13px;font-weight:700;flex:0 0 auto;color:#fff !important}\n  .rl-cta__btn{display:inline-flex;align-items:center;gap:8px;background:var(--rl-red) !important;color:#fff !important;text-decoration:none !important;font-size:17px !important;font-weight:700 !important;padding:16px 30px !important;border-radius:12px;box-shadow:0 10px 24px -10px rgba(0,0,0,.55);transition:transform .18s ease,box-shadow .18s ease,background .18s ease}\n  .rl-cta__btn span{transition:transform .18s ease}\n  .rl-cta__btn:hover{transform:translateY(-2px);background:#c41f24 !important;box-shadow:0 16px 30px -12px rgba(0,0,0,.6)}\n  .rl-cta__btn:hover span{transform:translateX(4px)}\n  .rl-cta__btn:focus-visible{outline:3px solid #fff;outline-offset:3px}\n  .rl-cta__proof{margin:18px 0 0 !important;font-size:14px !important;font-weight:400 !important;color:rgba(255,255,255,.68) !important}\n  .rl-cta__tnc{margin:8px 0 0 !important;font-size:11.5px !important;font-weight:400 !important;color:rgba(255,255,255,.5) !important}\n  @media (max-width:640px){.rl-cta__inner{padding:34px 26px}.rl-cta__title{font-size:30px !important}.rl-cta__desc{font-size:16px !important}.rl-cta__usps{flex-direction:column;gap:12px}.rl-cta__btn{width:100%;justify-content:center}.rl-cta__mark{font-size:160px;bottom:-30px}}\n  @media (prefers-reduced-motion:reduce){.rl-cta__btn,.rl-cta__btn span{transition:none}}\n<\/style>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Also Read:<\/strong><a href=\"https:\/\/www.ruloans.com\/blog\/things-to-consider-before-choosing-a-credit-card-for-self-employed\/\"> Credit Cards for Self Employed \u2013 Things to Consider<\/a>&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Documents_Are_Usually_Required_for_a_%E2%82%B910_Lakh_Personal_Loan\"><\/span><strong>What Documents Are Usually Required for a \u20b910 Lakh Personal Loan?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Standard <a href=\"https:\/\/www.ruloans.com\/blog\/documents-required-for-personal-loan-application\/\">documentation<\/a> for a \u20b910 lakh personal loan includes identity and address proof, income proof, and bank statements, with salaried and self-employed applicants each submitting profile-specific supporting documents.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Documents Commonly Requested<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Document Type<\/strong><\/td><td><strong>Salaried Applicants<\/strong><\/td><td><strong>Self-Employed Applicants<\/strong><\/td><\/tr><tr><td>Identity proof<\/td><td>PAN, Aadhaar, Passport<\/td><td>PAN, Aadhaar, Passport<\/td><\/tr><tr><td>Address proof<\/td><td>Aadhaar, utility bill, rent agreement<\/td><td>Aadhaar, utility bill, rent agreement<\/td><\/tr><tr><td>Income proof<\/td><td>Salary slips (last 3 months), Form 16<\/td><td>ITR (last 2\u20133 years), P&amp;L, balance sheet<\/td><\/tr><tr><td>Bank statements<\/td><td>Last 3\u20136 months (salary account)<\/td><td>Last 6\u201312 months (business account)<\/td><\/tr><tr><td>Employment proof<\/td><td>Employment certificate\/offer letter<\/td><td>Business registration\/GST certificate<\/td><\/tr><tr><td>Photograph<\/td><td>Passport-size photo<\/td><td>Passport-size photo<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Eligibility Checklist Before Applying<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Understand the general salary required for a 10 lakh personal loan at your target lender, then confirm your net monthly income and calculate your approximate FOIR<\/li>\n\n\n\n<li>Check your credit score and review your credit report for errors<\/li>\n\n\n\n<li>List all existing EMIs and monthly obligations<\/li>\n\n\n\n<li>Decide on a comfortable tenure based on EMI affordability<\/li>\n\n\n\n<li>Keep income proof, identity proof, and address proof documents ready<\/li>\n\n\n\n<li>Compare offers across multiple banks and NBFCs before applying<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key takeaway:<\/strong> Keeping documents consistent across the application, salary slips, and bank statements avoids the single most common cause of processing delays.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Also Read:<\/strong><a href=\"https:\/\/www.ruloans.com\/blog\/how-can-i-get-personal-loan\/\"> Wondering How To Apply For A Personal Loan? Have a look!<\/a>&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bank_vs_NBFC_Which_Is_Better_for_a_%E2%82%B910_Lakh_Personal_Loan\"><\/span><strong>Bank vs NBFC: Which Is Better for a \u20b910 Lakh Personal Loan?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Banks generally offer lower interest rates and larger loan amounts for well-qualified salaried applicants, while <a href=\"https:\/\/www.ruloans.com\/blog\/nbfc-personal-loan-vs-bank-personal-loan-whats-the-better-choice\/\">NBFCs<\/a> often have more flexible income and credit-score criteria, faster disbursal, and slightly higher rates, the better choice depends on your specific profile.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Bank vs NBFC: Illustrative Comparison<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Factor<\/strong><\/td><td><strong>Banks<\/strong><\/td><td><strong>NBFCs<\/strong><\/td><\/tr><tr><td>Typical interest rate<\/td><td>Often lower (roughly 10.25%\u201315% p.a. for qualified profiles)<\/td><td>Often higher, reflecting more flexible underwriting<\/td><\/tr><tr><td>Minimum salary threshold<\/td><td>Generally \u20b915,000\u2013\u20b930,000, varies by scheme<\/td><td>Often similar or slightly lower for some products<\/td><\/tr><tr><td>Credit score flexibility<\/td><td>Usually stricter<\/td><td>Often more accommodating for thinner credit files<\/td><\/tr><tr><td>Processing speed<\/td><td>Can be slower for new-to-bank customers<\/td><td>Often faster, digital-first approval<\/td><\/tr><tr><td>Best suited for<\/td><td>Salaried applicants with clean, stable profiles<\/td><td>Applicants with irregular income, thinner credit history, or urgent requirements<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key takeaway:<\/strong> Comparing offers across both banks and NBFCs, rather than approaching a single lender, is usually the most reliable way to find the best combination of eligibility and interest rate for a \u20b910 lakh requirement, given how fragmented the personal loan India landscape is across 275+ lenders.<\/p>\n\n\n\n<div class=\"rl-cta\">\n  <div class=\"rl-cta__glow\" aria-hidden=\"true\"><\/div>\n  <span class=\"rl-cta__mark\" aria-hidden=\"true\">\u20b9<\/span>\n  <div class=\"rl-cta__inner\">\n    <p class=\"rl-cta__eyebrow\"><\/p>\n    <h2 class=\"rl-cta__title\"><span class=\"ez-toc-section\" id=\"Money_in_Minutes-5\"><\/span>Money in Minutes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p class=\"rl-cta__desc\"><\/p>\n    <ul class=\"rl-cta__usps\">\n      <li><span class=\"rl-cta__tick\" aria-hidden=\"true\">\u2713<\/span> Cash from \u20b95\u201310 Lakh<sup>*<\/sup><\/li>\n      <li><span class=\"rl-cta__tick\" aria-hidden=\"true\">\u2713<\/span> Instant approval<\/li>\n      <li><span class=\"rl-cta__tick\" aria-hidden=\"true\">\u2713<\/span> Rates from 10.49% p.a.<sup>*<\/sup><\/li>\n    <\/ul>\n    <a class=\"rl-cta__btn\" href=\"https:\/\/www.ruloans.com\/personal-loan\">Apply Now <span aria-hidden=\"true\">\u2192<\/span><\/a>\n    <p class=\"rl-cta__proof\">No hidden charges \u2022 Trusted by 1M+ borrowers across 4,000+ cities<\/p>\n    <p class=\"rl-cta__tnc\">*Interest rate subject to eligibility &amp; credit profile. T&amp;C apply.<\/p>\n  <\/div>\n<\/div>\n<style>\n  @import url('https:\/\/fonts.googleapis.com\/css2?family=Montserrat:wght@600;700;800&family=Inter:wght@400;500;600&display=swap');\n  .rl-cta{--rl-a:#0477bd;--rl-b:#035a8f;--rl-c:#023f66;--rl-red:#e3252a;position:relative;overflow:hidden;border-radius:20px;background:linear-gradient(135deg,var(--rl-a) 0%,var(--rl-b) 55%,var(--rl-c) 100%);color:#fff;box-shadow:0 20px 45px -20px rgba(0,0,0,.5);-webkit-font-smoothing:antialiased}\n  .rl-cta,.rl-cta *{font-family:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif !important;box-sizing:border-box}\n  .rl-cta__eyebrow,.rl-cta__title,.rl-cta__btn{font-family:'Montserrat',system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif !important}\n  .rl-cta__inner{position:relative;z-index:2;padding:44px 48px}\n  .rl-cta__glow{position:absolute;inset:0;z-index:1;background:radial-gradient(120% 140% at 100% 0%,rgba(255,255,255,.14),transparent 55%)}\n  .rl-cta__mark{position:absolute;right:-8px;bottom:-46px;z-index:1;font-size:230px;line-height:1;font-weight:800;color:rgba(255,255,255,.07);pointer-events:none;user-select:none}\n  .rl-cta__eyebrow{margin:0 0 14px !important;font-size:13px !important;font-weight:700 !important;letter-spacing:2.4px;text-transform:uppercase !important;color:#e3252a !important}\n  .rl-cta__title{margin:0 0 16px !important;font-size:40px !important;line-height:1.05 !important;font-weight:800 !important;letter-spacing:-.01em;color:#fff !important;text-transform:none !important;padding:0 !important}\n  .rl-cta__desc{margin:0 0 26px !important;max-width:660px;font-size:17px !important;line-height:1.55 !important;font-weight:400 !important;color:rgba(255,255,255,.92) !important}\n  .rl-cta__usps{list-style:none !important;margin:0 0 30px !important;padding:0 !important;display:flex;flex-wrap:wrap;gap:14px 40px}\n  .rl-cta__usps li{display:flex;align-items:center;gap:10px;font-size:16px !important;font-weight:500 !important;color:#fff !important;margin:0 !important}\n  .rl-cta__usps li::before{display:none !important}\n  .rl-cta__usps sup{font-size:10px;opacity:.7}\n  .rl-cta__tick{display:inline-flex;align-items:center;justify-content:center;width:24px;height:24px;border-radius:50%;background:rgba(255,255,255,.2);font-size:13px;font-weight:700;flex:0 0 auto;color:#fff !important}\n  .rl-cta__btn{display:inline-flex;align-items:center;gap:8px;background:var(--rl-red) !important;color:#fff !important;text-decoration:none !important;font-size:17px !important;font-weight:700 !important;padding:16px 30px !important;border-radius:12px;box-shadow:0 10px 24px -10px rgba(0,0,0,.55);transition:transform .18s ease,box-shadow .18s ease,background .18s ease}\n  .rl-cta__btn span{transition:transform .18s ease}\n  .rl-cta__btn:hover{transform:translateY(-2px);background:#c41f24 !important;box-shadow:0 16px 30px -12px rgba(0,0,0,.6)}\n  .rl-cta__btn:hover span{transform:translateX(4px)}\n  .rl-cta__btn:focus-visible{outline:3px solid #fff;outline-offset:3px}\n  .rl-cta__proof{margin:18px 0 0 !important;font-size:14px !important;font-weight:400 !important;color:rgba(255,255,255,.68) !important}\n  .rl-cta__tnc{margin:8px 0 0 !important;font-size:11.5px !important;font-weight:400 !important;color:rgba(255,255,255,.5) !important}\n  @media (max-width:640px){.rl-cta__inner{padding:34px 26px}.rl-cta__title{font-size:30px !important}.rl-cta__desc{font-size:16px !important}.rl-cta__usps{flex-direction:column;gap:12px}.rl-cta__btn{width:100%;justify-content:center}.rl-cta__mark{font-size:160px;bottom:-30px}}\n  @media (prefers-reduced-motion:reduce){.rl-cta__btn,.rl-cta__btn span{transition:none}}\n<\/style>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Also Read:<\/strong><a href=\"https:\/\/www.ruloans.com\/blog\/gold-loan-vs-personal-loan\/\"> Gold Loan vs Personal Loan in India 2026: Which is Cheaper and Faster?<\/a>&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Common_Reasons_Why_%E2%82%B910_Lakh_Personal_Loan_Applications_Are_Rejected\"><\/span><strong>Common Reasons Why \u20b910 Lakh Personal Loan Applications Are Rejected<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The most common <a href=\"https:\/\/www.ruloans.com\/blog\/why-personal-loan-rejections-happen-and-how-to-bounce-back\/\">rejection reasons<\/a> are a high FOIR after existing EMIs, a low or thin credit score, unstable or unverifiable employment, and mismatched information between the application and supporting documents.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>High FOIR:<\/strong> Existing EMIs leave insufficient headroom for the new loan.<\/li>\n\n\n\n<li><strong>Low credit score:<\/strong> Typically below 650\u2013700, or a history of missed payments.<\/li>\n\n\n\n<li><strong>Job instability:<\/strong> Frequent job changes or less than 6\u201312 months in the current role.<\/li>\n\n\n\n<li><strong>Employer category:<\/strong> Unlisted or high-risk employers may not meet the lender&#8217;s internal risk criteria.<\/li>\n\n\n\n<li><strong>Document mismatches:<\/strong> Inconsistent address, income, or identity details across submitted documents.<\/li>\n\n\n\n<li><strong>Too many recent loan enquiries:<\/strong> Multiple applications in a short period can signal credit hunger and lower approval odds.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key takeaway:<\/strong> Most rejections trace back to FOIR or credit score issues that could have been identified, and fixed before applying.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Also Read:<\/strong><a href=\"https:\/\/www.ruloans.com\/blog\/5-ways-to-avoid-your-personal-loan-rejection\/\"> 5 Ways To Avoid Your Personal Loan Rejection<\/a>&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Do You Know?&nbsp;<\/strong><br>Unsecured personal loans carry meaningfully higher default risk than secured loans in the RBI&#8217;s own data? Per the RBI&#8217;s Financial Stability Report published June 30, 2026, gross non-performing assets for unsecured retail loans are currently at 1.7%, significantly higher than the 0.7% seen in secured retail loans. This gap is a big part of why lenders lean so heavily on FOIR and credit score for unsecured products like a \u20b910 lakh personal loan, there&#8217;s no collateral cushion if repayment slips. Separately, on the growth side, the RBI projects that fintech companies will capture nearly 56.8% of the small-ticket personal loan market by March 2026, with unsecured loans accounting for roughly 70.5% of these fintech lenders&#8217; total loan books, which explains why NBFCs and digital-first lenders are often more flexible on income documentation than traditional banks for smaller-ticket unsecured credit.&nbsp;<br>Source: <a href=\"https:\/\/www.whalesbook.com\/news\/English\/bankingfinance\/RBI-Sees-20percent-Growth-in-Small-Ticket-Personal-Loans-by-FY26\/6a4765aa003e8c7640ef9461\" target=\"_blank\" rel=\"noopener\">Whalesbook, &#8220;RBI Sees 20% Growth in Small-Ticket Personal Loans by FY26<\/a>&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Can_You_Improve_Personal_Loan_Salary_Eligibility\"><\/span><strong>How Can You Improve Personal Loan Salary Eligibility?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You can improve your effective eligibility for a \u20b910 lakh personal loan by reducing existing EMIs, <a href=\"https:\/\/www.ruloans.com\/blog\/improve-cibil-score-from-500-to-750\/\">improving your credit score<\/a>, choosing a longer tenure, adding a co-applicant, or applying through your salary-account bank.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Eligibility Checklist<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.ruloans.com\/check-your-cibil-score\">Check your CIBIL score<\/a> and dispute any errors before applying<\/li>\n\n\n\n<li>Pay down or close small existing loans\/credit card balances<\/li>\n\n\n\n<li>Keep credit utilisation below 30% of your credit limit<\/li>\n\n\n\n<li>Avoid multiple loan enquiries in a short window<\/li>\n\n\n\n<li>Consider a co-applicant with independent income<\/li>\n\n\n\n<li>Compare FOIR caps and interest rates across multiple lenders<\/li>\n\n\n\n<li>Choose a tenure that balances EMI affordability with total interest cost<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key takeaway:<\/strong> Most eligibility improvements are within your control and can be made in the weeks before you apply, without waiting for a salary increase.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Also Read:<\/strong><a href=\"https:\/\/www.ruloans.com\/blog\/three-reasons-you-should-get-a-personal-loan-to-build-a-strong-credit-score\/\"> Three Reasons You Should Get A Personal Loan To Build A Strong Credit Score<\/a>&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mistakes_to_Avoid_Before_Applying_for_a_Personal_Loan\"><\/span><strong>Mistakes to Avoid Before Applying for a Personal Loan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Applying to multiple lenders within a short span, which can lead to multiple hard enquiries on your credit report<\/li>\n\n\n\n<li>Ignoring your credit report before applying, missing errors that could be corrected in advance<\/li>\n\n\n\n<li>Underestimating EMI affordability and overextending your monthly budget<\/li>\n\n\n\n<li>Submitting inconsistent income documents across different applications<\/li>\n\n\n\n<li>Not accounting for processing fees and other charges when calculating total loan cost<\/li>\n\n\n\n<li>Choosing tenure based only on the lowest EMI without considering total interest paid<\/li>\n\n\n\n<li>Assuming the salary required for a <a href=\"https:\/\/www.ruloans.com\/personal-loan\">10 lakh personal loan<\/a> approval at one bank will match another lender&#8217;s policy<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key takeaway:<\/strong> Most of these <a href=\"https:\/\/www.ruloans.com\/blog\/important-mistakes-to-avoid-before-taking-a-personal-loan\/\">mistakes<\/a> are avoidable with basic pre-application preparation, and avoiding them meaningfully raises real-world approval odds.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Also Read:<\/strong><a href=\"https:\/\/www.ruloans.com\/blog\/find-the-best-interest-rates-on-personal-loans-every-month\/\"> Find the best interest rates on Personal loans every month<\/a>&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Expert_Tips_to_Increase_Your_Personal_Loan_Approval_Chances\"><\/span><strong>Expert Tips to Increase Your Personal Loan Approval Chances<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Apply through your salary account bank<\/strong> where possible, many lenders offer preferential terms to existing salary-account holders.<\/li>\n\n\n\n<li><strong>Time your application<\/strong> after clearing a small existing loan, not before taking on a new one.<\/li>\n\n\n\n<li><strong>Round your requested tenure<\/strong> to match your actual EMI comfort zone rather than the shortest available option.<\/li>\n\n\n\n<li><strong>Keep a 3\u20136 month clean banking history<\/strong> before applying, avoiding bounced payments or overdrafts.<\/li>\n\n\n\n<li><strong>Compare offers through a distribution platform<\/strong> that shows multiple lender options side by side, rather than relying on a single bank&#8217;s decision.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Also Read:<\/strong><a href=\"https:\/\/www.ruloans.com\/blog\/avail-better-interest-rate-for-your-personal-loan\/\"> How you can Avail Better Interest Rate for your Personal Loan<\/a>&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A <a href=\"https:\/\/www.ruloans.com\/personal-loan\">\u20b910 lakh personal loan<\/a> is well within reach for salaried and self-employed borrowers who plan around affordability, not just salary. Your real eligibility comes down to FOIR, existing EMIs, credit score, and tenure, not a single fixed number. Check these before you apply, and you&#8217;ll have a far clearer picture of what you actually qualify for.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/www.ruloans.com\/personal-loan\">Check your \u20b910 lakh personal loan eligibility<\/a> with Ruloans<\/strong>, compare offers from 275+ bank and NBFC partners across 4,000+ cities, get help reading your FOIR and credit profile, and find a loan matched to what you can actually afford. <em>Ruloans is a financial distribution company and does not lend directly; loans are sanctioned and disbursed by the partner bank or NBFC matched to your application.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQ\"><\/span>FAQ<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1785512789814\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Q. Is a \u20b910 lakh personal loan taxable, or does it offer any tax benefit?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>A personal loan itself is not treated as income and is not taxable. However, if the \u20b910 lakh is used for home renovation, business, or education, you may be able to claim tax deductions on the interest paid under the relevant Income Tax Act provisions for that specific end-use, not for personal or discretionary spending. Consult a tax advisor to confirm eligibility for your case.\u00a0<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1785512810472\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Q. Can I get a \u20b910 lakh personal loan without a salary slip or income proof?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Some lenders allow this using alternative proof such as 6\u201312 months of bank statements showing regular salary credits, Form 16, or ITR filings instead of salary slips. Approval odds are generally lower and interest rates higher than with standard documentation, and the loan amount offered may also be more conservative.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1785512838652\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Q. What happens if I miss an EMI or default on a \u20b910 lakh personal loan?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Missing an EMI usually triggers late payment charges and a negative mark on your credit report, which can stay for years and hurt future borrowing. Continued default can lead to collection proceedings and, in serious cases, legal action, since personal loans are unsecured but still legally enforceable debt.\u00a0<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1785512864654\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Q. Can a \u20b910 lakh personal loan be approved and disbursed on the same day?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Some banks and NBFCs offer same-day or instant disbursal for pre-approved customers or those with a strong credit profile and complete digital documentation. For most first-time or new-to-lender applicants, disbursal typically takes anywhere from a few hours to 2\u20135 working days after verification.\u00a0<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1785512915722\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Q. Is a loan against securities or gold loan a better option than a \u20b910 lakh personal loan?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Secured options like loan against securities or gold loans usually offer lower interest rates since they involve collateral, but they carry the risk of losing the pledged asset on default. A personal loan costs more in interest but doesn&#8217;t put any asset at risk, the right choice depends on whether you have eligible collateral and your comfort with that risk.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1785512925175\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Q. Do I need a guarantor or collateral for a \u20b910 lakh personal loan?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No, a personal loan of this size is typically unsecured and doesn&#8217;t require collateral. A guarantor or co-applicant is not usually mandatory but may be requested if your income alone doesn&#8217;t comfortably meet the lender&#8217;s FOIR requirement for \u20b910 lakh.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1785513004219\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Q. How much do processing fees and GST add to the real cost of a \u20b910 lakh personal loan?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Processing fees typically range from 0.5% to 2.5% of the loan amount, plus 18% GST on that fee, adding roughly \u20b95,900 to \u20b929,500 upfront on a \u20b910 lakh loan. Always ask for the Key Fact Statement, which discloses the all-inclusive Annual Percentage Rate, before comparing offers.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1785513015137\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Q. Can I take a \u20b910 lakh personal loan from two different lenders instead of one big loan?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, this is possible and sometimes chosen by borrowers who don&#8217;t qualify for the full \u20b910 lakh with a single lender. However, each application triggers a separate credit enquiry and adds to your overall FOIR, so this can reduce your eligibility for the second loan and should be planned carefully.\u00a0<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><strong><br><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>For a standard 5-year tenure at current market interest rates,  [&#8230;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"footnotes":""},"categories":[95],"tags":[889,1721],"class_list":["post-15298","post","type-post","status-publish","format-standard","hentry","category-personal-loan","tag-personal-loan","tag-10-lakh-personal-loan"],"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"Ruloans Team","author_link":"https:\/\/www.ruloans.com\/blog\/author\/admin\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/www.ruloans.com\/blog\/personal-loan\/\" rel=\"category tag\">Personal Loan<\/a>","rttpg_excerpt":"For a standard 5-year tenure at current market interest rates, [...]","_links":{"self":[{"href":"https:\/\/www.ruloans.com\/blog\/wp-json\/wp\/v2\/posts\/15298","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ruloans.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ruloans.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ruloans.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ruloans.com\/blog\/wp-json\/wp\/v2\/comments?post=15298"}],"version-history":[{"count":3,"href":"https:\/\/www.ruloans.com\/blog\/wp-json\/wp\/v2\/posts\/15298\/revisions"}],"predecessor-version":[{"id":15314,"href":"https:\/\/www.ruloans.com\/blog\/wp-json\/wp\/v2\/posts\/15298\/revisions\/15314"}],"wp:attachment":[{"href":"https:\/\/www.ruloans.com\/blog\/wp-json\/wp\/v2\/media?parent=15298"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ruloans.com\/blog\/wp-json\/wp\/v2\/categories?post=15298"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ruloans.com\/blog\/wp-json\/wp\/v2\/tags?post=15298"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}