If you are looking to apply for a personal loan of 2 lakhs, you will need to approach a bank or financial institution that offers personal loans and meet their eligibility criteria. Keep in mind that the specific loan amount, interest rates, and repayment terms will be subject to the lender's policies and your creditworthiness. Here are some general steps to apply for a personal loan:

• Check Eligibility: Most lenders have specific eligibility criteria, including minimum age, income requirements, employment status, and credit score. Ensure that you meet these criteria before applying.
• Document Preparation: Gather the necessary documents, which typically include identity proof (Aadhar card, passport, etc.), address proof, income proof (salary slips, bank statements), and photographs.
• Compare Lenders: Research and compare various lenders to find the one offering the best terms, interest rates, and loan amount suitable for your needs.
• Loan Application: Visit the bank's branch or apply online through the lender's website. Fill out the loan application form with accurate information.
• Credit Check: The lender will conduct a credit check to assess your creditworthiness and repayment capacity.
• Loan Approval: If your application is approved, the lender will provide you with a loan offer detailing the loan amount, interest rate, tenure, and other terms.
• Acceptance and Disbursement: If you agree with the terms, sign the loan agreement and provide any additional documents required by the lender. Once all formalities are completed, the loan amount will be disbursed to your bank account.
• Repayment: Repay the loan in regular installments (EMIs) as per the agreed-upon schedule.

Remember that personal loan interest rates can vary based on factors like your credit score, relationship with the lender, and loan tenure. Always read the terms and conditions carefully before accepting the loan offer, and make sure you can comfortably manage the EMI payments throughout the loan tenure.

Reference : Personal loan of 2 lakh