Loan Amount
Up to ₹50 Lakh
Interest Rate
Starting at 9.99%* p.a.
Loan Tenure
12-84 Months

Get a Personal Loan in Himachal Pradesh Online

Himachal Pradesh is a beautiful state known for its natural beauty and peaceful environment. Fulfil your needs in this vibrant state with quick financial assistance from Poonawalla Fincorp.

Get a Personal Loan of up to ₹50 Lakh for various personal needs, such as wedding, higher studies, home renovation, debt consolidation, or unexpected costs. Enjoy affordable interest rates, extended repayment tenure and zero hidden charges. Apply now!

Why Choose Poonawalla Fincorp

Collateral-free
Loan
Attractive Interest
Rate
Zero Hidden
Charges
Flexible Repayment
Tenure
Minimal
Documentation
Quick
Approval

Personal Loan EMI Calculator

Check your monthly repayments instantly with our online EMI calculator. Enter the loan amount, tenure and interest rates for results. Calculate now!

Optimise Your Personal Loan Experience
With Monthly Budget Planning

Monthly Payable Amount₹8,791
Principal Amount
₹100000
Interest Payable
₹5,493

Loan Amount

Rupees one lakh

Interest Rate

%
9.99 %
30 %

Tenure

Months
12Months
84Months

Apply for a Personal Loan in Just 3 Steps

Step1

Click on “Apply Now”

Tap the “Apply Now”button to initiate your application.

Step2

Enter Details

Enter your DOB, PAN card number, monthly income, and residential details.

Step3

Upload Documents

Upload the necessary documents for quicker approval.

On successful verification, the loan amount will be disbursed into your bank account instantly.

Get exclusive offers thoughtfully customised just for you

Eligibility Criteria for a Personal Loan in Himachal Pradesh

Fulfil our straightforward eligibility criteria:

  • Age: Between 21 and 60 years.
  • Citizenship: Indian citizen.
  • Employment: Full-time job with a government entity, public/private limited company, LLP, educational institution, or a company approved by Poonawalla Fincorp.
  • Work Experience: Minimum 1 year, with at least 1 month in the current job.
  • Monthly Income: Minimum ₹30,000 per month.

Documents Required for a Personal Loan in Himachal Pradesh

Submit just the mandatory documents:

  • Address Proof: Utility Bills, Passport, or Rent Agreement.
  • KYC Documents: Aadhaar Card, PAN Card, Voter ID, Driving License, or Passport.
  • Employment Proof: Official Email ID or Employee ID Card.
  • Financial Documents: Bank statements for the last 3 months.
  • Income Proof: Salary slips for the last 3 months.

Interest Rate and Charges for a Personal Loan in Himachal Pradesh

Enjoy competitive interest rates and nominal charges:

Interest Rate
9.99%*p.a. onwards
Loan Amount
₹1 Lakh to ₹50 Lakh
Loan Processing Fees
Up to 3% plus applicable taxes
Lowest EMI Per Month
Starting from ₹2,124* per Lakh for 60 months
Loan Tenure
12–84 months
Prepayment/Foreclosure Charges
0% if paid from own sources
4% if paid from other sources
Default Charges
24% p.a. + taxes
Repayment Instrument Dishonour Charges
₹500 per bounce plus applicable taxes
Stamp Duty
At actuals (as per state)
Hidden Charges
Nil

Default Charges: Penalty will be charged for nonpayment of EMI amount and for non-compliance of material terms and conditions, as more particularly specified at Default Charges.pdf

*T&C Apply

Different Uses of a Personal Loan

  • Medical treatment
  • Home renovation
  • Travel plans
  • Dream wedding
  • Emergencies

Who Can Get Our Personal Loan

  • Salaried individuals
  • Government employees
  • Salaried doctors, CAs, and CSes

Tips for a Successful Personal Loan Application

  • Maintain a score of 750 and above
  • Avoid applying for too many credits at once
  • Review the eligibility requirements
  • Submit the necessary documents

Get Funds Quickly With
Minimal
Documentation

1

Click 'Apply Now' Fill out the online form to start your loan application.

2

Upload Documents Provide your KYC documents to complete the verification.

3

Get Funds Get the loan amount
disbursed to your bank account.

Happy Customers, Happy Us

Get exclusive access to simplified
Personal Finance
Information at
Poonawalla Fincorp’s FinHub

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Frequently Asked Questions

How can I benefit from a Personal Loan from Poonawalla Fincorp?

The following are the advantages of getting a loan from Poonawalla Fincorp: 

  • No requirement for collateral 
  • Attractive interest rates 
  • End-usage flexibility  
  • Customized repayment tenure 
  • Quick access to funds 
  •  Minimal paperwork requirements 
How can I access competitive interest rates on Poonawalla Fincorp’s Personal Loan?

You can access competitive interest rates on a Personal Loan by following these strategies: 

  • Maintain a high credit score of 750 and above 
  • Showcase a good repayment track record 
  • Demonstrate creditworthiness through a clean credit report 
  • Emphasis on employment stability and stable income source 
How can I instantly apply for a Personal Loan?

With Poonawalla Fincorp, you can apply for a Personal Loan from the comfort of your home in minutes. Here are the steps to apply: 

  1. Click on "Apply Now”  

Tap the "Apply Now" button to initiate your application. 

  1. Enter Details 

Enter your DOB, PAN card number, monthly income, and other details. 

  1. Upload Documents 

Upload the necessary documents for quick approval.