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

Personal Loan EMI Calculator

Determine your loan EMIs in seconds with our EMI calculator. Simply enter the loan amount, tenure, and interest rate. 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

collateral icon Collateral-free
Loan
Zero Icon Zero Hidden
Charges
Interest rate icon Competitive Interest
Rate
document icon Minimal
Documentation
EMI Icon Flexible Repayment
Tenure
Quick Icon Quick
Disbursal

Apply for a Personal Loan In Just 3 Steps

Step 1 icon

Click on “Apply Now”

Tap the “Apply Now” button to initiate your application.

Step 2 icon

Enter Details

Enter your DOB, PAN card number, monthly income, and residential details.

Step 3 icon

Upload Documents

Upload the necessary documents for quicker approval.

Get exclusive offers thoughtfully customised just for you

Fulfil our basic eligibility requirements for a loan for personal use:

  • 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 by Poonawalla Fincorp.
  • Work Experience: Minimum 1 year, with at least 1 month in the current job.
  • Monthly Income: Minimum ₹30,000.

Access funds immediately with minimal documents:

  • 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 slips for the last 3 months.

Benefit from our competitive 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 Dishonor 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

  • Pay for higher education 
  • Renovate your home 
  • Fund your trips 
  • Cover medical expenses 
  • Host your dream wedding 
  • Salaried individuals
  • Salaried doctors
  • Salaried Chartered Accountants
  • Salaried Company Secretaries
  • Do not apply for too many loans at once 
  • Pay off your outstanding debts 
  • Maintain a credit utilization ratio below 30% 
  • Fulfil the eligibility criteria 

Poonawalla Fincorp Limited

Address: 2nd Floor, SCO 311-312, 35B, Above Canara Bank, Sector-35, Chandigarh, Punjab-160022 

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

Yes, you can prepay your Personal Loan. The foreclosure/prepayment charge is 0% if paid from own sources. However, 4% charges are levied when paid from other sources.  

Poonawalla Fincorp offers competitive interest rates starting at 9.99%*p.a. for a Personal Loan. 

No, personal loans come with no end-use restrictions, meaning you can use the funds for any purpose. This can include funding a wedding, higher education expenses, debt consolidation and more. Note that you cannot finance any illegal activities with a Personal Loan.