Get a Personal Loan in Himachal Pradesh with Quick Approval and Disbursal!
Despite its cold climate, Himachal Pradesh is renowned for being a tourist-friendly state thanks to the warm and welcoming nature of its residents, like yourself. To help fulfil your dreams, Poonawalla Fincorp offers a Personal Loan in Himachal Pradesh through a quick and seamless loan process – from application to disbursal. Avail of high loan amounts of up to ₹50 Lakh for any financial need, be it for medical emergencies, travel, or education. Apply now!
Features and Benefits of Our Personal Loan in Himachal Pradesh
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Collateral-free
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Multi-purpose Usage
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Competitive interest Rates and Charges
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Quick Approval
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Instant Disbursal
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No Hidden Charges
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No Prepayment/Foreclosure Charges
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Flexible Repayment
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Simple Online Application Process
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Easy-to-Use EMI Calculator
Personal Loan Interest Rates and Charges in Himachal Pradesh
Our Personal Loan in Himachal Pradesh is offered at favourable interest rates and minimal applicable charges. Please see the table below for more details:
| Personal Loan Interest Rates | 9.99%* p.a. onwards |
| Loan Amount | ₹1 Lakh to ₹50 Lakh |
| Loan Processing Fees | Up to 3% |
| 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% per annum |
| Repayment Instrument Dishonor Charges | ₹500 per bounce plus applicable taxes |
| Stamp Duty | At actuals (as per state) |
| No Other Hidden Charges | |
Note: Default Charges: Penalty will be charged for non payment of EMI amount and for non-compliance of material terms and conditions, as more particularly specified at Default Charges.
Personal Loan EMI Calculator
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EMI Amount = *
Eligibility Criteria for Personal Loan in Himachal Pradesh
Age
21 years at the time of loan application and not more than 60 years
Work Experience
Salaried employees with 1 year of work experience
Citizenship
Indian
Monthly Income
Starting ₹30,000 based on your city of residence
Documents Required for Personal Loan in Himachal Pradesh
| Documents Category | Personal Loan Documents Required |
| KYC Documents | PAN Card/Aadhaar Card/Driving Licence/Voter ID/Passport |
| Current Address Proof | Passport/Utility Bills/Rent Agreement |
| Income Documents | Latest salary slips for the last 3 months |
| Financial Documents | Bank Statement for the last 3 months |
| Employment Proof | Official Mail ID Confirmation/Employee ID Card (in case official mail ID confirmation is not possible) |
We Offer Personal Loan in Himachal Pradesh to:
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Salaried individuals
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Salaried Doctors
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Salaried Chartered Accountants
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Salaried Company Secretaries
Uses of a Personal Loan in Himachal Pradesh
- Explore New Places: Use the funds from our Personal Loan to explore new destinations and locations.
- Fulfil Debt Obligations: Consolidate high-interest debts into a single loan at better interest rates.
- Invest in Higher Education: Cover your higher education expenses with a Personal Loan, including tuition, study material, etc.
- Cover the Cost of Life-saving Medication: Get timely medical treatments with the amount received from Personal Loans.
- Renovate Your Home: Renovate and upgrade your home or pay for necessary repairs with a Personal Loan.
How to Apply for a Personal Loan in Himachal Pradesh
Apply
Online
Apply Online
Click on ‘Apply Now’ and complete the application form
Personal
Details
Personal Details
Enter your DOB, qualification, and residential details
Verification
Verification
Submit and upload all details for verification and assessment
