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Payal Rohatgi was born on November 9, 1982 in Hyderabad, India. She is the daughter of Veena Rohatgi and Shashank Rohatgi. She has a brother named Gaurav Rohatgi. She was brought up in a middle class family and grew up in Ahmadabad in Gujarat.

She is a computer software engineer by profession, Payal Rohatgi won the title of Miss Tourism World in 2001, against candidates from 65 countries. She was also a finalist at the Femina Miss India contest in 2000. These successes encouraged Payal to enter the entertainment industry and so she moved to Mumbai. But, she got only small roles like item numbers and she did not get notice for being in the midst of brightest stars of bollywood in her earlier movies. She is approximately 5'6" tall, and her star-sign is Scorpio.