1. Research Online Lenders: To find a personal loan that suits your needs, start by exploring online lenders. Search for lenders that are NBFC-registered, and offer affordable interest rates and processing fees.

2. Check your Eligibility and Credit Score: Since the majority of online lenders will do so as part of the application process, it's a good idea to do so in advance. Once a year, you are entitled to a free credit report from each of the three main credit bureaus. You can apply for your credit report from credit bureaus.

3. Apply for Personal Loan Online: Once you've selected on a lender, you can apply for personal loan online. Your personal details, financial information, and the required loan amount will normally be requested on the application. 

4. Gather your Documentation: To apply for a personal loan online, you usually need to submit some basic documents, such as proof of your employment and income, a valid ID (PAN, Aadhar card), and bank statements.

5. Loan Approval and Disbursal: If you are granted a loan, the lender will send a notification. And loan will get transferred into your bank account.

Conclusion:
You should read the lender's terms and conditions, check processing fees, and foreclosure charges carefully and ask any questions you may have because the specific application process may differ depending on the lender you select.