₹30 Lakh Personal Loan

Minimal Documentation | Quick Approval | 100% Digital Application

Turn your aspirations into a reality with Poonawalla Fincorp’s Personal Loan. Whether you want to pursue higher education, consolidate debt, host a wedding, or invest in a significant purchase, a quick loan can help you meet a wide range of financial needs.

Apply for a collateral-free ₹30 Lakh Personal Loan from Poonawalla Fincorp at competitive interest rates, with flexible repayment terms and minimal documentation. In addition to this, we provide a hassle-free online application facility, allowing you to apply for a ₹30 Lakh loan from the comfort of your home. Apply now!


The following are the interest rates and charges for a ₹30 Lakh Personal Loan from Poonawalla Fincorp:

Personal Loan Interest Rates 9.99%* p.a. onwards
Loan Amount ₹1 Lakh to ₹30 Lakh
Loan Processing Fees Up to 2% plus applicable taxes
Lowest EMI Per Month Starting from ₹2120 per Lakh for 60 months
Loan Tenure 12-60 months
Pre-Payment/Foreclosure Charges 0%* If paid from own sources & 4% If paid from other sources
Default Interest 2% per month
Repayment Instrument Dishonor Charges ₹500 per bounce plus applicable taxes
Stamp Duty At actuals (as per state)
No Other Hidden Charges

Calculating the EMI in advance is important as it helps you to plan your loan and repayment better. Either you can calculate the EMI for a ₹30 Lakh loan manually, or you can use the ₹30 Lakh loan EMI calculator. Manual calculations are time-consuming and leave room for error. To avoid such mistakes, you can use Poonawalla Fincorp’s ₹30 Lakh Personal Loan EMI calculator. This valuable online automatic tool helps you ascertain how much your EMI outgo will be. You are required to enter the interest rate, loan amount, and loan tenure, and your loan EMI gets displayed instantly.

The EMI for a ₹30 Lakh loan will depend on the two major factors i.e., interest rate and the chosen loan repayment tenure. For instance, ₹30 Lakh Personal Loan EMI for 5 years at 9.99% will be ₹63,594*. Similarly, you can use the ₹30 Lakh Personal Loan EMI calculator to know the loan EMI for different repayment tenures.

Following is the table for a ₹30 Lakh loan EMI at an interest rate of 9.99% for up to 5 years of loan tenure:

Tenure EMI at a 9.99% interest rate
2 years ₹138,296
3 years ₹96,661
4 years ₹75,944
5 years ₹63,594

Given below are the major loan eligibility criteria:

  • Age - The applicant must be 22-57 years old.
  • Citizenship - The applicant must be 22-57 years old.
  • Monthly salary - The applicant’s minimum monthly income should be at least ₹30,000.
  • Employment - The applicant must have a full-time job at a well-established company.
  • Work experience - The applicant must have at least 1 year of work experience and at least 1 month’s stable employment at the current job.

We have kept our documentation requirements very minimal to make the loan processing simpler and faster. Provide the following loan documents to avail of a ₹30 Lakh loan:

  • Identity Proof - PAN Card/Aadhaar Card/Driving Licence/Voter ID/Passport.
  • Address Proof - Rent agreement/passport/utility bills.
  • Income Proof - Latest salary slips for the last 3 months.
  • Financial documents - Salary account statement for the past 3 months.
  • Employment Proof - Employee ID card and official Email ID confirmation.

Following are the key features and benefits of a ₹30 Lakh loan:

  • No Collateral Required: To get a Personal Loan, you do not have to pledge collateral
  • High Loan Amount: You can opt for a high loan amount of up to ₹30 Lakh to meet your wide range of financial requirements.
  • Competitive Interest Rates: We offer a ₹30 Lakh loan at competitive interest rates starting at 9.99%* p.a.
  • Flexible Repayment Tenure: Repay the loan at your convenience over a period of 60 months.
  • Easy Online Application: Apply for a Personal Loan online in just a few clicks.
  • Fast Loan Disbursal: Get the loan amount post the verification process.

To apply for a ₹30 Lakh Personal Loan, you just have to follow these steps:

  • Step 1: Click on the ‘Apply Now’ button.
  • Step 2: Fill in the required details on the loan application form.
  • Step 3: Upload necessary documents.

On successful verification, the loan will be transferred to your bank account.

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Click on ‘Apply Now’ and complete the application form

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Personal Details

Enter your DOB, qualification, and residential details

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Application Verification


Submit and upload all details for verification and assessment

Can I get a ₹30 Lakh Person Loan?

Yes, you can get a ₹30 Lakh Personal Loan from Poonawalla Fincorp with competitive interest rates, flexible repayment tenure, and fast approvals.

What are the factors that can affect ₹30 Lakh Personal Loan EMI?

The factors that can affect a Personal Loan EMI are the loan amount, interest rate, and the repayment tenure. Higher loan amounts or higher interest rates will result in higher EMIs. Whereas when it comes to the repayment term, the longer the tenure, lower will be the EMI, but you end up paying more interest.

How can I get a ₹30 Lakh loan in India?

You can get a ₹30 Lakh loan online through Poonawalla Fincorp. Alternatively, you can opt for a loan offline by visiting the nearest branch in person.

*Terms & Conditions apply

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