Finance Your Needs With a Personal Loan in Surat
Surat is called the ‘Diamond Capital of India’ and ‘Silk City’ for its diamond and textile industries. It is also a large shopping centre for jewellery and clothes! Meet your financial needs in this bustling city with a Personal Loan in Surat from Poonawalla Fincorp.
Pay for vacations, weddings, higher education, medical emergencies, or any other personal needs with our loan. We offer a collateral-free Personal Loan of up to ₹50 Lakh with no end-use restrictions. Benefit from competitive interest rates, minimal documentation, quick approval, and no hidden charges. Apply now!
Why Choose Poonawalla Fincorp
Personal Loan EMI Calculator
Determine your EMIs instantly with our EMI calculator. Just enter the loan amount, your Personal Loan interest rate, and tenure. You can also use different combinations of values to choose the one that fits you the best. Calculate now!
Apply for a Personal Loan Online in Just 3 Steps
Click on “Apply Now”
Tap the “Apply Now”button to initiate your application.
Enter Details
Enter your DOB, PAN card number, monthly income, KYC details and residential details.
Upload Documents
Upload the necessary documents for quicker approval.
On successful verification, the loan amount will be disbursed into your bank account instantly.
Eligibility Criteria for a Personal Loan in Surat
Fulfil our simple eligibility criteria to qualify for a Personal Loan in Surat:
- Age Limit: Between 21 and 60 years.
- Citizenship: Indian.
- Work Experience: A minimum of 1 year of total experience and 1 month of experience with current employer.
- Monthly Salary: A minimum of ₹30,000.
- Employment Status: Full-time job at any Pvt Ltd, listed, unlisted Public Ltd company, LLP, MNC or the Central Government.
Documents Required for a Personal Loan in Surat
Submit all these essential documents for a seamless personal loan application:
- KYC Documents: PAN Card, Voter ID, Passport, Driving License, or Aadhaar Card.
- Address Proof: Utility Bills, Rent Agreement or Passport.
- Employment Proof: Official mail ID or employee ID card.
- Income Proof: Salary slip for the last 1 month.
- Financial Documents: Bank statement for the last 3 months.
Interest Rate and Charges for a Personal Loan in Surat
We offer loans at attractive interest rates and nominal charges:
i) If Foreclosure or Prepayment is done including balance transfer from another financial institution – 4 % on amount being prepaid plus applicable taxes.
2) After repayment of first six EMI:
i) If Foreclosure or Prepayment is done from own funds of the Borrower- Nil charges.
ii) If Foreclosure or Prepayment is done any other source including by balance transfer from another bank/financial institution- 4% on amount being prepaid plus applicable Taxes.
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 in Surat
You can use a Personal loan for:
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Paying for higher education
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Travelling abroad
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Covering medical expenses
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Consolidating debts
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Buying high-end appliances
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Covering wedding expenses
Who Can Get a Personal Loan in Surat
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You can avail of a personal loan in Surat if you are a:
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Salaried employees
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Salaried doctors
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Salaried Company Secretaries
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Salaried Chartered Accountants
Tips for a Successful Personal Loan Application
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Check the eligibility criteria
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Fill out the application form accurately
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Review your credit score
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Disclose all income sources
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Avoid multiple loan applications
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Reduce existing debts
Poonawalla Fincorp Branch Address in Surat
Poonawalla Fincorp Limited
Address: Office No. 207 and 208, 2nd Floor, RIO EMPIRE, Near Pal RTO, Adjan, Surat, Gujarat-394510
Contact Number: 1800-266-3201 (Toll Free)
Timing: 10 am – 6:30 pm (Weekly off on first and second Saturdays and all Sundays.)
*T&C Apply
Happy Customers, Happy Us


I opted for a Loan Against Property balance transfer with Poonawalla Fincorp, and the experience exceeded my expectations. The application process was completely digital, quick, and required minimal paperwork. Getting a significantly lower interest rate helped me reinvest in my business. With better financial flexibility, I was able to scale operations efficiently, leading to a 30% increase in business turnover. Poonawalla Fincorp made the entire journey stress-free, and I highly recommend their services to any business owner looking for smart financial solutions.


Poonawalla Fincorp’s Pre-owned Car Loan made the entire financing process effortless. The loan approval was quick, and the minimal documentation made it even more convenient. Within just a couple of days, the funds were disbursed, allowing me to purchase a well-maintained pre-owned vehicle without any hassle. The repayment options were flexible, and the entire experience was seamless. Thanks to Poonawalla Fincorp, I could get my car without any financial strain. Highly recommended!


Securing a loan to purchase a commercial property with rental income was crucial for my business. Having previously worked with Poonawalla Fincorp, I was confident in their services. The process was incredibly smooth and transparent. The quick disbursement and excellent post-sales support made the entire experience stress-free. Thanks to Poonawalla Fincorp, I now own a prime commercial property in Mumbai, which has significantly boosted my business. Their quick turnaround time and excellent post-sales support made all the difference. I wholeheartedly recommend them to anyone in need.


I had a great experience with Poonawalla Fincorp’s Pre-owned Car Loan. The offered loan amount was as per my expectations, and the entire process was smooth and hassle-free. The documentation was minimal, and the loan was disbursed in just two days! What stood out was the flexibility—repayment was easy, and the EMI structure was well-planned. The loan approval process was straightforward, making it convenient to get the car I wanted without any delays. Overall, the service was excellent, and I highly recommend Poonawalla Fincorp to anyone looking for an easy and quick loan process!


A friend in need, is a friend indeed. Poonawalla fincorp has been like one of those friends for me, who has supported me in my journey. With no hidden charges and no prepayment charges, the company has provided me with the adequate funds I needed for me professional practice. From the loan application process to the disbursal of funds, I did not face any problems. My experience was hassle-free and smooth. Not just me, all my fellow professionals and friends have had a wonderful experience with Poonawalla Fincorp’s Professional Loan.


I am practicing Chartered Accountant (CA) based out of Hubli. There were working capital issues that i was facing like upgrading my firm’s overall infrastructure, hiring well-qualified staff and digitization. Poonawalla fincorp hab been of great support when it comes to funding these requirements. I’ve got one of the best interest rates available in the market, my documentation process was fast & hassle-free. and the digital application process made it very simple to get a Professional Loan as a CA. I recommend to CAs to consider Poonawalla Fincorp for their working capital or any other funding requirements.


I run a chain of farmacy stores with 5 branches in pune. With the growing polpularity of home delivery, my customers were expecting the same from me as well. However, the extra capital requirement made it difficulf for me to hire delivery persons. With Poonawalla fincorp’s Business loan, I am now able to compete with online pharmacy retailers, manage working capital and upgrade my system. My customers have grown 50-60%. The loan applicatipn process is digital, simple and speedy. I was delighted to get my loan amount disbursed quickly, allowing me to upgrade my operationg seamlessly.
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Frequently Asked Questions
Yes, if you want to get a Personal Loan, Surat has a Poonawalla Fincorp branch where you can borrow the ₹20 Lakhs in person. You can also apply for the loan online from anywhere in the country with minimal documents required and easy online form access.
No, there are no end-use restrictions on the utilisation of a Personal Loan amount, no matter which city you're in! From a wedding to an emergency need, you can avail it to fulfil any financial need, no questions asked.
Yes. You can apply for a Personal Loan online by visiting our website and clicking the ‘Apply Now’ button or downloading our app.
There are flexible repayment options available for Personal Loans. You can repay through EMI over a period of 12 to 48 months, determining the tenure based on your repayment capacity. However, do remember that the EMI amount depends on your loan amount, interest rate, and chosen tenure.
Personal Loans from Poonawalla Fincorp do not have any end-use restrictions, which gives you complete freedom to borrow and use the funds as per your needs. You can use it for various purposes like higher education, wedding celebrations, medical expenses, travel and vacation, debt consolidation, and home renovation. Before applying, ensure you are eligibility to avoid rejections
With Poonawalla Fincorp's streamlined digital process, you can get an instant Personal Loan approval on your application. Once you complete the online application, submit all the required documents, and pass our verification process, the loan amount is disbursed directly to the loan applicant's bank account instantly. Generally, it takes about 24 to 48 hours.
You can use Poonawalla Fincorp's EMI Calculator on the website to determine your Personal Loan EMI. All you need to do is enter your loan amount, interest, and tenure in their respective fields. The EMI amount will automatically appear.
If you want to apply for a Personal Loan with a low CIBIL score, you may not get a very high amount. Research lenders who specialise in giving loans to individuals with low creditworthiness and check your eligibility for other criteria such as income requirements, bank statements, and work experience.
Yes, you can use the funds from a Personal Loan for the repair or renovation of your home. Avail funds up to ₹50 Lakhs at affordable rates with flexible repayment options.