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

Get a Personal Loan in Chandigarh Online

Fulfil your dreams in the growing economy of Chandigarh with a Personal Loan from Poonawalla Fincorp. Get complete flexibility in managing essential expenses, such as funding higher studies, weddings, vacation trips, etc. With this collateral-free loan, enjoy flexible repayment options, competitive interest rates, and no hidden charges. Apply now!

Why Choose Poonawalla Fincorp

Collateral-free
Loan
Zero Hidden
Charges
Competitive Interest
Rate
Minimal
Documentation
Flexible Repayment
Tenure
Quick
Disbursal

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
12Months
84Months

Apply for a Personal Loan 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, and residential details.

Upload Documents

Upload the necessary documents for quicker approval.

Get exclusive offers thoughtfully customised just for you

Eligibility Criteria for a Personal Loan in Chandigarh

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.

Documents Required for a Personal Loan in Chandigarh

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.

Interest Rate and Charges for a Personal Loan in Chandigarh

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

Different Uses of a Personal Loan in Chandigarh

  • Pay for higher education 
  • Renovate your home 
  • Fund your trips 
  • Cover medical expenses 
  • Host your dream wedding 

Who Can Get a Personal Loan

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

Tips for a Successful Personal Loan Application

  • 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 Branch Address in Chandigarh

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

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Frequently Asked Questions

Can I prepay my Personal Loan in Chandigarh?

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.  

What are the interest rates for a Poonawalla Fincorp Personal Loan?

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

Are there any limits to what I can use the Personal Loan for?

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.