Get ₹3 Lakh Loan Without Documents!

Page also available in: हिन्दी - Hindi

Why Choose ₹3 Lakh Personal Loan?

With a ₹3 lakh instant loan you will never catch yourself wishing you had instant access to money in those times of need. Be it a medical emergency, sudden expense, or a last-minute purchase, all you need is a personal loan.

Taking a personal loan on Zype means avoiding lengthy applications, pledging collaterals, and dealing with unrealistic repayments. You can apply for a ₹3 Lakh Loan without documents in less than 8 minutes, and pay later in 3,6,9 or 12 EMIs, as per your convenience.

Need ₹3 Lakhs Urgently? Here’s Why to Choose Zype

A personal loan up to ₹3 Lakh can prepare you for many unplanned expenses. And this is how Zype can further make it easier for you during those times:

Instant Approval & Quick Disbursal

Need ₹3 lakhs urgently? Get ₹3 lakh instantly! Because Zype offers super-fast loans with approval within 60 seconds & disbursal in 24 hours.

Approval and Disbursal

No Document Uploads or Paperwork

Say goodbye to endless paperwork because you can get approved for a ₹3 lakh loan without documents using just your PAN & Aadhaar card number.

No Collateral Required​

Competitive Interest Rate

Zype offers instant loans starting at an interest rate that’s as low as 1.5% (monthly).

Competitive interest rate

No Collaterals

On Zype, you don’t need to pledge any of your assets to secure a personal loan. You can enjoy a unsecured loan without worrying about your assets.

No documentation or paperwork

Flexible repayment options

Repaying your personal loans on Zype is as flexible as taking them! Borrow the money you need now & pay later in 3, 6, 9, or 12 months.

Collateral free loans

₹3 Lakh Loan EMI Calculator

Want to find out your EMIs in seconds? Use our user-friendly ₹3 lakh loan EMI calculator below!

Loan Amount (in rupee)



Interest Rate (in %)



Loan Term (in months)



Total Interest Payable

Total Payment
(Principle + Interest)

Your EMI is

How to Calculate your Personal Loan EMI on ₹3 Lakh Loan?

Calculating your personal loan EMIs for different repayment tenures before taking a personal loan of ₹3 lakh can help you plan your finances better & also help you choose a repayment plan that suits you the best.

Here is the formula you can use to calculate EMI for a ₹3 lakh loan:

E = 300000 x R x (1+R)^N / [(1+R)^N-1], where

R is the monthly interest rate

N is the no. of months of EMI payment

Documents Required For ₹3 Lakh Personal Loan

Zype offers personal loans with absolutely 0 required document uploads & paperwork! You only need these to complete your application for an instant loan:

Mandatory documents
Mandatory documents

During your application process, you need to enter your PAN & Aadhaar number to get a credit line offer & to complete your KYC. You don’t need to upload any physical copy of the card.

Proof of photo identity
Proof of photo identity

After you’re approved for a personal loan, you will need to do a selfie-based verification. Since this is real-time photo verification, you don’t need to upload any documents.

Proof of Income
Proof of Income (Optional)

If you want to apply for a higher credit limit on Zype, all you need to do is upload your bank statement for the last 4 months.

Eligibility Criteria for ₹ 3 Lakh Personal Loan

Want to get approved for a personal loan up to ₹3 lakh within seconds? All you have to do is meet a simple eligibility criteria!


18 years or above


Indian with a valid PAN & Aadhaar card.

Work experience
Work experience

Salaried individual

15000 Salary
Monthly Salary

Monthly income of at least ₹15,000

Interest Rates & Charges on ₹3 Lakh Instant Loan

Minimalist Table
Fees & Charges Amount Chargeable
Interest Rate Starting at as low as 1.5% (monthly)
Loan Processing Charges Processing fees from 2% to 6% on every loan
Penalty on Overdue EMIs Penal interest and late fees will be charged to your total outstanding loan on a daily basis

₹3 Lakh Personal Loan EMIs for 3-12 Months Tenure

The flexibility of borrowing shouldn’t end with getting a loan.

This is exactly why Zype offers convenient repayment options where you can borrow the money you need and pay later in 3, 6, 9, or 12 EMIs. This way, you can get a personal loan without worrying about your repayments.

Your repayment tenure will look something like this when you take a ₹3 lakh loan at an 18% annual interest rate.

*Note – All the above numbers are for representation only. The final interest rate may vary depending on the profile assessment.
Minimalist Table
Loan Amount Interest Rate Tenure (in months) EMI in Rs
Rs 300000 18% 3 Rs103014.89
6 Rs 52657.56
9 Rs 35882.95
12 Rs 27504

Here are the Steps for Applying for a Personal Loan on Zype:

1) Get the Zype app on PlayStore/AppStore & complete your sign-up.

2) Add your basic information such as name, mobile number & PAN number.

3) Get instant approval for a credit line based on your profile.

4) Unlock the credit line by completing a quick 3-step KYC with an Aadhaar number & selfie verification.

5) Choose the loan amount you need & EMI option.

6) Transfer the money directly to your account in a single tap!

Frequently Asked Questions

How To Avail Rs. 3 Lakh Personal Loan on Your Aadhar Card?
You can apply for a loan on apps like Zype that offer Rs. 3 Lakh Personal Loan using your PAN card & complete your KYC using Aadhaar card.
Can I Get an Instant Personal Loan of 3 Lakhs Without a CIBIL Score?

Yes, even if you don’t have a credit history, you can get approved for a personal loan on Zype. If you’re a salaried individual with a minimum monthly salary of ₹15000, then you can get approved for a personal loan up to ₹3 lakhs.

Also Read: Salary Loan Online

Can I Avail a ₹3 Lakh loan Without Documents?

Yes, you can! There are many instant loan apps like Zype that give you a personal loan offer with basic information like your PAN & Aadhaar number.

What are the Factors that Can Affect ₹3 Lakh Personal Loan EMI?

Your approved loan amount, interest rate on the loan & the repayment plan you choose decide your monthly EMIs.

How to Get a 3 Lakh Loan Without Income Proof?

Zype is a personal loan app that offers instant loans just by adding your basic details, PAN & Aadhaar number.

What is the Processing Time for a ₹3 Lakh Personal Loan?

It takes only 60 seconds on Zype to get approved for a loan. The amount is then transferred directly to your account within 24 hours.

Personal Loan for Different Budgets

Select the loan details you want to know

Personal Loan by Salary