₹30 Lakh Personal Loan

Starting at 9.99%* per annum

Minimal Documentation | Quick Approval | 100% Digital Process

Poonawalla Fincorp’s Personal Loan is one of the most useful financial tools. You can avail yourself of up to ₹30 Lakh loan that too at an attractive interest rate to meet your diverse financial needs. Right from funding higher education, weddings, and travel to home renovation, the loan amount can be used for meeting a wide range of financial needs. We provide a Personal Loan with flexible repayment terms, helping you to choose a suitable repayment tenure as per your suitability. 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. Our quick approval system ensures that you receive a prompt response regarding your loan application.


At Poonawalla Fincorp, we offer a ₹30 Lakh Personal Loan at competitive interest rate to help you save money on EMIs. Additionally, we levy a nominal processing fee to process the loan. If you compare Poonawalla Fincorp’s Personal Loan interest rates and other charges with other lenders, you will find our Personal Loan charges are among the most competitive in the market.

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
Late Payment Charges 3% per month
Cheque Bounce 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 ₹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 is a valuable online automatic tool that helps you to ascertain how much will be your EMIs outgo. You are required to enter the interest rate, loan amount, and loan tenure, and your loan EMI is displayed instantly.

Hence, the EMI for ₹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 ₹30 Lakh loan EMI at an interest rate of 9.99% for up to 5 years 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

Opting for a ₹30 Lakh Personal Loan from Poonawalla Fincorp is very easy as we have kept our eligibility criteria very basic so that a maximum number of people can benefit from our Personal Loan. Given below are the major loan eligibility criteria:

  • Age - The applicant must be aged between 22-57 years.
  • Citizenship - The loan applicant must be an Indian citizen.
  • 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:

  • KYC documents - Aadhaar Card / PAN Card
  • Address proof - Rent agreement/passport/utility bills
  • Income documents - Latest salary slip
  • 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: Personal Loan is an unsecured loan, and you can opt for it without providing any 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 without any limitations.
  • Attractive Interest Rates: We offer a ₹30 Lakh loan at competitive interest rates as low as 9.99%* p.a. to help you save on loan EMIs.
  • Flexible Repayment Tenure: Our ₹30 Lakh Personal Loan comes with a flexible repayment tenure of up to 60 months. Hence, you can choose the loan tenure as per your repayment capacity.
  • Online Application Process: We have simplified the loan application process. You can apply for a ₹30 Lakh loan online in just a few clicks.
  • Fast Loan Disbursal: We disburse Personal Loans within 24 hours of loan approval.

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

  • Step 1: Visit our official website.
  • Step 2: Complete the loan application form.
  • Step 3: Scan & upload all required loan documents.
  • Step 4: Our loan expert will then verify your details.
  • Step 5: Your loan application will be approved once it goes under successful verification.
  • Step 6: The loan amount will be disbursed directly to your bank account.
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Personal Details

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Application will then proceed for verification and assessment

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.

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

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

*Terms & Conditions apply

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