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

Get a Personal Loan in Bikaner Online

Address all your monetary needs in Bikaner with a Personal Loan from Poonawalla Fincorp. Avail of a high loan amount of up to ₹50 Lakh to fund your dream wedding, higher studies, travel plans, and emergency needs. Enjoy affordable interest rates, flexible repayment terms, and zero hidden charges. Apply now!

Why Choose Poonawalla Fincorp

High Loan
Amount
Collateral-free
Loan
Affordable Interest
Rate
Flexible Repayment
Tenure
Zero Hidden
Charges
Minimal
Documentation

Personal Loan EMI Calculator

Plan your monthly repayments using our EMI calculator. Enter the loan amount, interest rate, and loan tenure to calculate your loan EMIs. 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
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, 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

Eligibility Criteria for a Personal Loan in Bikaner

Fulfil our simple eligibility criteria to qualify:

  • Age: Between 21 and 60 years.
  • Citizenship: Indian.
  • Employment: Full-time job with a government entity, public/private limited company, LLP, educational institution, or a company approved.
  • 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 Bikaner

Submit a few essential documents for a streamline application:

  • 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 slip for the last 1 month.

Interest Rate and Charges for Personal Loan in Bikaner

Take a look at our affordable 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

Different Uses of a Personal Loan in Bikaner

  • Fund your dream vacation
  • Upgrade your living space
  • Pay off multiple high-interest debts
  • Invest in overseas education
  • Buy the latest gadgets

Who Can Get a Personal Loan in Bikaner

  • Salaried Company Secretaries
  • Salaried Chartered Accountants
  • Salaried doctors
  • Salaried individuals

Tips for Successful Personal Loan Application

  • Monitor your credit report and score
  • Ensure you have a practical repayment strategy
  • Demonstrate a stable source of income
  • Avoid borrowing more than necessary
  • Improve your credit score for better terms
  • Do not make multiple loan application

Poonawalla Fincorp Branch Address in Bikaner

Poonawalla Fincorp Limited
Address: 2nd Floor, Chugh Mansion, Opp. DRM Office, Bikaner, Rajasthan-334001
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

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

rightArrow
rightArrow

Frequently Asked Questions

Is it possible to avail of a Personal Loan without payslips?

No, it is not possible to get a loan without a salary slip. The payslip acts as proof of your income as a salaried employee.

What are the benefits of a Personal Loan?

The following are the benefits of getting a Personal Loan:

  • Collateral-free: A Personal Loan is an unsecured loan. This means you don’t have to pledge any asset to secure funds.
  • No End-use Restrictions: This loan comes with no end-use restrictions. You can use loan amount for diverse purposes, like weddings, higher education, debt consolidation, etc.
Can I apply for a Personal Loan if I have an existing loan?

Yes, you can apply for a new Personal Loan even if you have an existing loan, provided you meet the eligibility criteria and have a good repayment history. Ensure to have a low debt-to-income ratio to get easy approval.