Applying for a ₹90,000 personal loan with RING is a breeze. All you need are two basic documents—your PAN card and Aadhaar number. Once you provide these, our KYC process will take just a few minutes, and you can complete the entire process online. There’s no need for additional documents or physical paperwork, making the process 100% hassle-free.
Instant ₹90,000 Personal Loan
Your Financial Power Boost!
Flexible Repayment
Instant Bank Transfer
Affordable Rates
About Our ₹90,000 Personal Loan
Need cash on the go? With RING, your ₹90,000 personal loan can be in your account in minutes. Our fully digital process ensures you’re never more than a few clicks away from solving your cash crunch. Whether it’s a weekend getaway, an unexpected medical bill, or managing unplanned expenses, this loan is designed to be quick and convenient.
We’re fast, simple, and always on your side. With flexible repayment options and no collateral needed, RING’s ₹90,000 personal loan is the smart way to tackle life’s unexpected moments.
Benefits of ₹90,000 Personal Loans
Instant access to ₹90,000 when you need it the most.
Paperless process means no stress of documentation.
Flexible repayment terms, from 3 to 60 months.
Attractive interest rates to make your payments more affordable.
Features of ₹90,000 Personal Loans
Credit Up to Rs. 5 Lakhs
Avail of credit up to Rs. 5 lakhs with paperless KYC.
Flexible Repayment
Choose repayment periods from 3 to 60 months.
Instant Approval
Money transferred to your bank account in 5 minutes.
Zero Paperwork
100% Digital - Hassle-free process
No Collateral Required
Secure a loan without pledging any assets.
Transparent Terms
Know all costs upfront with no hidden charges.
Competitive Rates
APR ranges from 32% to 57% per annum.
Multi-Purpose Loans
Use your loan for personal or business purposes
Check Your Eligibility
Instant Personal Loan Eligibility Criteria
To qualify for a personal loan applicants need to meet the following criteria:
- Nationality: Indian citizen.
- Age: Between 23 and 55 years.
- Documentation: Selfie, PAN Card, and Aadhaar Card.
- Income Proof: Required only for select high-value loans based on credit profile.
- Profile : Salaried, Self-Employed, Small busines owner & MSMEs
Having these documents prepared ensures a smoother and quicker application process
Follow these simple steps to get started:
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Verify Mobile Number
Enter your number on the RING app/website, receive an OTP, and verify.
₹90,000 Personal Loan EMI Calculator
Breaking Down the Cost: Interest Rates Explained
A tool designed to help you understand the monthly payment on your loan. Whenever you take a loan, the EMI amount that you will pay is very important in helping you arrive at your final loan amount and repayment tenure. Our personal loan calculator helps you do just that. You will be able to see your monthly payment, and this will help you decide what your loan amount should ideally be, and if it is payable over a period.
Principal Amount (A): ₹500,000
Interest Amount (B):
Your EMI: ₹ per month
Your Loan Amount: ₹500,000
At Interest Rate of: 2%
For : 2 years
Total Payable: ₹
Here’s a quick example to illustrate:
- Loan Amount (Principal): ₹1,00,000
- Tenure: 12 months
- Interest Rate: 13% per annum
- Processing Fee (incl. GST): ₹3000 (3%)
- Total Interest: ₹7,180.73
- EMI: ₹1,374.63
- APR: Start from 14%
Disclaimer - The Loan EMI Calculator only shows an estimate. Consult your lender for accurate details.
The Formula to Calculate EMI on Personal Loan
The formula for calculating EMI is as follows:
EMI = [P x R x (1+R) ^N]/ [(1+R) ^ (N-1)]
P= Principal loan amount | R= Monthly interest rate (annual interest rate divided by 12) | N= Loan tenure in months
**To explain it further, let’s see an example:**
Suppose you take a Personal loan for ₹5,00,000 with an annual interest rate (IR) of 10% for a tenure of, say, 5 years (60 months).
First, convert the annual interest rate to a monthly interest rate. In this case, the monthly interest rate would be 10%/12 = 0.00833.
Using the formula, you can calculate the EMI as follows:
EMI = [500000 x 0.00833 x (1+0.00833)^60] / [(1+0.00833)^60-1]
By simplifying the equation, you will find that the EMI for this loan would be approximately ₹10,609.
This means that your monthly payment will be ₹10,609 for 60 months to repay the loan amount along with the interest.
For a more detailed explanation, you can refer to this blog.
Hear from Our Happy Customers
Radhika S.
Coimbatore
I was in a fix because my sister’s wedding was coming up, and I needed ₹90,000 urgently. RING came to the rescue! The entire process was so simple—just a few clicks, and the money was in my account. I could focus on enjoying the wedding instead of stressing about funds. I honestly didn't think getting a loan could be this easy and fast!
Amit K.
Delhi
When I had an unexpected medical emergency, I wasn’t sure how to cover the expenses. I found RING and applied for a ₹90,000 personal loan. I was amazed at how quickly the loan was approved—within minutes, the money was in my account. No paperwork, no hassle. RING really saved the day for me!
Sneha P.
Bangalore
I needed funds for a personal project, and the ₹90,000 personal loan from RING was perfect. I applied late at night, and by the next morning, I had the money ready. The best part is that the repayment terms are flexible, so I’m not stressed about making monthly payments. RING has definitely become my go-to for quick loans.
Priyanka R.
Mumbai
As a freelancer, my income isn’t always consistent, and RING has been my financial safety net. I applied for a ₹90,000 personal loan when I had a major payment delay, and RING’s process was so simple and fast. I felt so relieved to have the funds in my account within minutes. The flexibility to repay on my terms is a huge plus.
Vikas M.
Jaipur
I’ve tried other loan apps, but none compare to RING. The ₹90,000 personal loan was approved in under 10 minutes, and the money was in my account shortly after. I was able to cover urgent home repair expenses without any issues. I also love that they don’t charge extra if you want to repay early.
Kunal T.
Hyderabad
Running a startup comes with its own challenges, especially when cash flow is tight. I needed a ₹90,000 personal loan to cover some immediate business expenses, and RING made it happen fast. The application process was smooth, and I had the money in my account in no time. I really appreciate how easy RING makes everything!
Find the Right Personal Loan For You
Personal Loan for Travel
Fund your dream vacation and make unforgettable memories with our travel loans. From flights to hotels and everything in between, we’ve got you covered so you can focus on enjoying your trip.
Personal Loan for Students
Invest in your future or your child's education with our flexible education loans. Cover tuition fees, buy study materials, or enrol in that special course without financial stress.
Personal Loan for Home Renovation
Give your home a makeover without breaking the bank. Whether it’s a new kitchen, a fresh coat of paint, or an extension, our loans make it possible.
Personal Loan for Weddings
Make your special day even more magical with our wedding loans. Plan the perfect wedding without worrying about the expenses, from the venue to the honeymoon.
Got Questions? Let's get to them.
What do I need to apply for a ₹90,000 personal loan?
How fast can I get my ₹90,000 personal loan?
With RING, your ₹90,000 personal loan can be in your bank account within minutes. Once you submit your application and complete the simple KYC process, approval is typically given within 3 minutes. The funds are then disbursed instantly, ensuring that you have access to the money exactly when you need it.
What is the interest rate on a ₹90,000 personal loan?
Interest rates for the ₹90,000 personal loan range from 18% to 36% APR. The exact rate you receive depends on factors like your credit score and repayment history. Rest assured, our rates are competitive, ensuring that your loan remains affordable and tailored to your financial profile.
How do I repay the ₹90,000 personal loan?
Repaying your ₹90,000 personal loan is flexible and simple. RING offers multiple repayment options—choose the tenure that suits you best, whether it’s 3 months or 24 months. Payments can be made through a variety of methods like UPI, bank transfer, or directly through the RING app. You can even repay early without any penalty, which helps save on interest.
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