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

Check Your Monthly EMI Amount

Calculate your monthly payments instantly using our EMI calculator for an urgent cash loan. Enter the loan amount, interest rate, and loan tenure. Try 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

collateral icon Collateral-free
Loan
Quick Icon Quick
Disbursal
Use Icon No End-use
Restrictions
document icon Minimal
Documentation
EMI Icon Flexible
Tenure
charge icon No Hidden
Charges

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

To get an urgent cash loan, fulfil our Personal Loan eligibility criteria:

  • Age Limit: Between 21 and 60 years.
  • Citizenship: Indian.
  • Employment Type: Full-time job at a private or public sector organisation.
  • Work Experience: Minimum 1 year with at least 1 month at current job.
  • Net Monthly Salary: At least ₹30,000.

Submit just a few required documents to get a hassle-free Personal Loan:

  • KYC Documents: Driving License, Aadhaar Card, PAN Card, Passport or Voter ID.
  • Income Proof: Salary slip for 1 month and bank statements for the last 3 months.
  • Employment Proof: Official mail ID or Employee ID Card.
  • Address Proof: Utility Bills, Passport or Rent Agreement.

Note: The list of documents mentioned above is indicative. You may need to submit additional documents during the loan processing stage.

We offer a loan for personal use at competitive interest rates and minimal 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
1. Before repayment of first six EMI:
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
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

Whether you're looking for an urgent cash loan or long-term funding, here are some common ways you can use an instant Personal Loan:

  • Travel and explore new destinations

  • Consolidate high-interest debt

  • Invest in higher education

  • Cover unexpected financial emergencies

  • Fund your dream wedding

  • Meet emergency medical expenses

Understanding your monthly repayment amount is key to planning your finances effectively. At Poonawalla Fincorp, we make it simple for you to calculate your EMI (Equated Monthly Instalment) with our easy-to-use personal loan eligibility calculator for better financial planning.

Your EMI depends on three main factors:

  • Loan Amount – The total amount you borrow.

  • Interest Rate – The rate applicable to your loan.

  • Loan Tenure – The duration over which you choose to repay.

The EMI is calculated using the formula:

EMI = [P × R × (1+R)^N] / [(1+R)^N – 1]

Where:

  • P is the principal loan amount

  • R is the monthly interest rate (annual rate divided by 12)

  • N is the loan tenure in months

  • Salaried individuals

  • Salaried Chartered Accountants

  • Salaried doctors

  • Salaried Company Secretaries

  • Check the eligibility criteria

  • Understand the terms and conditions

  • Check your credit score

  • Decide the loan amount based on your requirements

  • Keep all necessary documents ready

  • Avoid submitting multiple loan applications

Poonawalla Fincorp Limited
Address: Office No. 108, 108(a), 109 & 110, 1st Floor, Odyssa Business Centre, Rasulgarh Square, Bhubaneswar, Odisha -751010
Contact Number: 1800-266-3201 (Toll Free)
Timing: 10 am – 6:30 pm (Weekly off on first and second Saturdays and all Sundays)

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 Personal Loan can be used for various purposes like covering travel or education expenses, renovating your home, financing your dream wedding, consolidating existing debt, etc.

You must have a minimum work experience of 1 year, with at least 1 month of job stability at your current employment, to be eligible for an urgent cash loan in Bhubaneswar, including for a self-employed individual.

You can avail of a Personal Loan in Bhubaneswar of up to ₹50 Lakh, depending on your eligibility. The final loan amount is determined based on factors such as your monthly income, credit score, employment status, and overall financial profile.

To be eligible for a Personal Loan in Bhubaneswar, you must have a minimum monthly income of ₹30,000.

Yes, you can apply for a Personal loan in Bhubaneswar even if you don’t have a credit history. Instead of relying solely on your credit score, we evaluate factors such as your monthly income, employment stability, and bank statements. With minimal documentation and a fully digital process, you can get quick access to funds without any hassle.

Yes, Poonawalla Fincorp’s Personal Loan can be used to cover wedding expenses. You can get a collateral-free loan of up to ₹50 Lakh with competitive interest rates, nominal charges, minimal paperwork and fast loan approval.

To get an urgent cash loan in Bhubaneswar, follow the 3 steps:

Step 1: Tap the “Apply Now” button to initiate your Personal Loan application process.

Step 2: Enter your DOB, PAN card number, monthly income, KYC details and residential details.

Step 3: Upload the documents required for quicker approval.

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