When you choose a longer repayment tenure for your personal loan, you unlock several practical advantages:

• Convenient monthly EMIs: Spread your ₹2 lakh loan across 60 months for easy EMIs that do not burden your budget
• Better cash flow management: Keep more money in hand each month for other expenses
• 100% digital process: Get approval and disbursal within 24 hours through a completely online process
• No collateral required: An unsecured loan means no need to pledge assets or property
• Flexible end-use: Use the loan for any personal need without restrictions, including medical emergencies, travel, debt consolidation, or business requirements

Personal Loans by Airtel Finance are designed to provide financial flexibility when you need it most. With loan amounts ranging from ₹10000 to ₹900000 and tenure options extending up to 60 months, you can customise your ₹2 lakh personal loan EMI for 5 years to match your repayment capacity. Our digital-first approach ensures transparent pricing with interest rates starting from 12.75% p.a. and processing fees between 2 and 5% + GST, giving you complete clarity on costs upfront.

Getting your personal loan approved is simple and completely digital:

1. Download the Airtel Thanks App: Log in with your Airtel number
2. Navigate to the Finance section: Select 'Personal Loan'
3. Enter loan details: Specify ₹2 lakh amount and 5-year tenure preference
4. Upload required documents: This can be done digitally through the secure in-app interface
5. Get an instant decision: Receive funds in your bank account within 24 hours

The features of a ₹2 lakh personal loan EMI for 5 years include:

• Competitive interest rates: Starting from 12.75% p.a. with transparent pricing and no hidden charges
• Extended repayment tenure: Choose tenures from 3 to 60 months based on your financial comfort
• 100% digital experience: Complete loan journey from application to disbursal through the mobile app
• Quick processing: Get approval and fund disbursal within 24 hours of document verification
• Flexible loan amount: Access anywhere from ₹10000 to ₹900000 based on your eligibility
• Minimal documentation: Simple KYC and income verification process with digital document upload facility

Check if you meet these basic requirements before applying:

• Age: Must be between 21 and 65 years old
• Citizenship: Indian citizen with valid identity documents
• Income: Monthly income of ₹25,000 or higher (salaried or self-employed)
• Work experience: Minimum 1 year of stable employment or business operation
• Credit score: Good credit history and CIBIL score for favourable terms
• Documentation: Valid PAN, Aadhaar, and proof of income are mandatory

Submit the following personal loan documents and get a ₹2 lakh personal loan EMI for 5 years.