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

Personal Loan EMI Calculator

Planning your repayments is simple with our Personal Loan EMI Calculator. Just enter your desired loan amount, tenure, and interest rate to get an instant estimate of your monthly instalments. This tool helps applicants budget effectively, ensuring EMIs fit within your monthly income while avoiding financial strain.

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
Interest rate icon Attractive Interest
Rate
document icon Minimal
Documentation
Use icon No End-use
Restrictions
quick icon Quick
Approval
Zero Icon Zero 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

Keep the following documents ready to ensure a smooth personal loan application process in Chennai:

  • Identify Proof: PAN Card, Voter ID, Aadhaar Card, Passport or Driving License
  • Income Proof: Last 1 month’s payslip
  • Address Proof: Passport, Rent Agreement or Electricity Bill
  • Proof of Employment: Official mail ID or Employee ID card
  • Financial Documents: Last 3 months’ bank account statements

Learn about the documents required for Personal Loan in detail here. 
 

A Personal Loan offers flexible funding that can support a wide range of financial needs depending on your goals and lifestyle:

  • Medical Expenses: Manage planned treatments or unexpected healthcare costs without disrupting your savings.
  • Home Renovation or Interior Upgrades: Renovate apartments or upgrade interiors in residential areas like Adyar or Velachery to improve comfort and functionality.
  • Wedding and Celebration Costs: Cover venue bookings, catering, and event-related expenses for family functions and special occasions.
  • Travel and Holiday Planning: Finance domestic or international trips without waiting to accumulate large savings with a Travel Loan.
  • Education and Skill Development: Pay for professional courses, certifications, or coaching programmes around Nungambakkam or Teynampet to support career advancement.
  • Debt Consolidation: Combine multiple existing loans or credit card dues into one structured EMI for easier repayment.
  • Lifestyle Upgrades: Fund purchases or experiences in shopping hubs like T. Nagar or Phoenix Marketcity without immediate financial strain through a Personal Loan for shopping.
  • Consumer Durable Purchases: Purchase appliances, electronics, or gadgets while maintaining monthly cash flow.

Our loans are accessible to a wide range of residents:

  • Professionals working in sectors such as IT, finance, healthcare, education, and manufacturing, including employees in IT parks around Siruseri or Ambattur Industrial Estate, can apply based on their employment profile.
  • Government employees residing across Chennai, from residential neighbourhoods like Anna Nagar to growing suburbs such as Pallikaranai, can access the online application process.
  • Individuals with a healthy credit score, stable monthly income and consistent employment history can increase their chances of a Personal Loan in Chennai with low interest.
  • Salaried professionals working in private companies, MNCs, LLPs, or government organisations across business hubs like Nungambakkam or Taramani can apply if they meet the eligibility criteria.

To enhance your chances of a quick approval for a Personal Loan in Chennai, consider these helpful tips:

  • Choose the right amount: Use the EMI calculator to choose a loan amount and tenure that fits your budget comfortably.
  • Maintain a Strong Credit Score: A CIBIL Score of 700+ is generally considered good and improves your eligibility.
  • Keep Documents Ready: Have all necessary KYC, income, and address proofs handy for a swift online application.
  • Check Eligibility: Before applying, review eligibility criteria to ensure you meet the requirements.
  • Provide Accurate Information: Ensure all details submitted in your application are precise and truthful to avoid delays.
     

Opting for a Personal Loan from Poonawalla Fincorp brings several advantages to Chennai residents:

  • Fast Disbursal: Receive funds quickly, useful for professionals working in busy hubs like Nungambakkam or Perungudi who need timely access to credit.
  • Flexible Loan Amounts: Borrow based on your eligibility to match both planned and urgent expenses.
  • Easy EMI Management: Structured repayments make it easier to plan finances alongside city living costs in areas such as Velachery or Tambaram.
  • Supports Urban Lifestyle Needs: Helpful for handling expenses related to modern living, whether commuting, relocation, or lifestyle upgrades across Chennai’s growing neighbourhoods like Sholinganallur.
  • Collateral-free Financing: Access funds without pledging assets or property.

If you prefer face-to-face interaction for queries or support, you can visit the Poonawalla Fincorp branch in Chennai.

  • Address: The Oval, 2nd Floor, Venkatanarayana Road, T. Nagar, Chennai - 600017

Contact no.: 1800-266-3201 (Toll Free)

Timings: 9:00 AM to 7:00 PM | Monday - Saturday (Closed on Sunday & Public holidays)
 

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

Yes, individuals working in IT hubs such as Siruseri, Taramani, or Perungudi can apply for a Personal Loan in Chennai for salaried employees if they meet the eligibility criteria for income, employment stability, and credit profile.

Yes, many applicants use personal loans to manage rental advances, relocation costs, or shifting expenses when moving to areas like Velachery, Anna Nagar, or Porur.

Yes, the application process is fully online, allowing residents in areas such as Tambaram, Pallavaram, or Ambattur to apply conveniently without visiting a branch.

Yes, you can visit the Poonawalla Fincorp branch in T. Nagar for in-person assistance, queries, or support during your loan journey.

“Thandal” typically refers to monthly instalment plans. This phrase often refers to loans with monthly repayments (EMIs) that do not require collateral, similar to our unsecured personal loans.

Once your application and documents are verified, approval and disbursement can be completed quickly, often within a short processing time.