How to Get Up to ₹4 Lakh Personal Loan from Your Mobile – Approval in Just 10 Minutes & Instant Money in Your Account!
In 2026, taking a personal loan has become incredibly easy. Sitting at home, using just your smartphone, you can get an instant personal loan of up to ₹4 lakh – no need to visit the bank, no paperwork hassle, and money credited in minutes!
DK Choudhary 
In 2026, taking a personal loan has become incredibly easy. Sitting at home, using just your smartphone, you can get an instant personal loan of up to ₹4 lakh – no need to visit the bank, no paperwork hassle, and money credited in minutes!
Now almost all major banks and finance companies offer 100% digital instant loans. You only need your Aadhaar, PAN, and mobile number – the app does everything else automatically.
Best Apps & Banks for Fastest Mobile Personal Loans in 2026
- SBI YONO App
- HDFC Bank Instant Loan
- ICICI Bank iMobile Pay
- Axis Bank Mobile App
- IDFC First Bank
- Bajaj Finserv App
- KreditBee
- MoneyTap
- Paytm Personal Loan
- CASHe
- Navi App
- LazyPay
Many of these apps give approval in 2–5 minutes and transfer money within 10 minutes!
Eligibility Criteria for ₹4 Lakh Loan
- Must be an Indian citizen
- Age between 21–60 years
- Regular income (salary or business)
- CIBIL score 650+ (some apps approve even at 600 or with no credit history)
- Aadhaar and PAN must be linked
- Active savings bank account
Special Note: No salary slip? Many NBFCs approve loans just based on bank statements or Aadhaar.
Required Documents (Very Minimal)
- Aadhaar card
- PAN card
- Live selfie
- Last 3–6 months bank statement (auto-fetched by the app)
- Salary slip (optional for salaried persons)
Step-by-Step: How to Get ₹4 Lakh Loan from Mobile
- Download a trusted app from Play Store (e.g., SBI YONO, Bajaj Finserv, KreditBee, etc.)
- Register with your mobile number and verify OTP
- Complete e-KYC by entering Aadhaar & PAN (takes 30 seconds)
- Do live selfie & video verification
- Select loan amount (up to ₹4 lakh)
- Choose tenure (6 months to 5 years)
- Check monthly EMI using the built-in calculator
- Read and accept the loan agreement
- Once approved, money is instantly transferred to your bank account!
The entire process usually completes in 10–15 minutes.
Interest Rates & EMI (Approximate)
- Loan Amount: ₹4,00,000
- Interest Rate: 10.99% to 22% per year (depends on your credit score)
- Tenure: 36 months
- Monthly EMI: Approx. ₹12,900 to ₹15,200
If your CIBIL score is 750+, you get the lowest interest rates.
Benefits of Instant Mobile Loans
- No need to visit any bank branch
- 100% online & completely paperless
- Instant cash for emergencies
- Minimal documentation
- Safe & secure – all platforms are RBI-registered
- Available 24×7
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