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

EMI Calculator for Personal Loan for Shopping

Determine your monthly loan repayments with our easy-to-use EMI calculator. Just enter the loan amount, interest rate, and tenure to know the EMIs instantly. 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

Interest Rate

%
9.99%
30%

Tenure

Months
12 Months
84 Months

Why Choose Poonawalla Fincorp

Loan Icon High Loan
Amount
Collateral Icon Collateral-free
Loan
Interest rate icon Attractive
Interest Rate
No use icon No End-use
Restrictions
document icon Minimal
Documentation
quick icon Quick
Approval

Apply for a Personal Loan Online 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, KYC details 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

Meet our simple eligibility criteria to qualify:

  • Age: Between 21 and 60 years.
  • Citizenship: Indian.
  • Monthly Salary: At least ₹30,000.
  • Employment: Full-time employment with a private or public limited company.
  • Work Experience: Minimum 1 year, with 1 month in the current company.

Keep mandatory documents ready for a smooth application process:

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

We offer loans for shopping at attractive 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
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

  • Gadgets
  • Clothes and apparel
  • Consumer durables
  • Home decor

● Salaried doctors

● Salaried individuals

● Salaried Chartered Accountants

● Salaried Company Secretaries

  • Organise all necessary financial documents
  • Check your credit score
  • Provide accurate details
  • Maintain stable employment and income
  • Reduce your existing debts

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

A credit score of 750 and above is considered as good. A good credit score improves your chances of loan approval.

Some factors that affect the interest rates include:

  • Credit score
  • Income
  • Employment history
  • Loan amount
  • Loan tenure

To apply, you can visit our nearest branch or apply online in three easy steps:

Step 1: Click on ‘Apply Now’.

Step 2: Fill out the application form.

Step 3: Upload all the necessary documents.

Upon verification, the loan amount will be credited to your bank account instantly.