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

Personal Loan EMI Calculator

Calculate your monthly payments instantly with our user-friendly EMI calculator. Slide the bar to 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

Loan Icon High Loan
Amount
collateral Icon No Collateral
Required
Document Icon Minimal
Documentation
EMI Icon Flexible Repayment
Tenure
Use Icon No End-use
Restrictions
Zero 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

Fulfil our simple criteria to be eligible for availing of the loan:

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

Upload a few documents for getting fast approval on a loan for personal use:

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

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

Get a personal use loan at attractive 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
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

  • Cover unexpected medical costs
  • Finance your wedding plans
  • Give your home a new look
  • Plan and fund foreign trips
  • Meet your education-related expenses
  • Consolidate existing debt

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

  • Check the eligibility criteria
  • Understand all the loan terms
  • Borrow only what you need
  • Check your credit score and repayment capacity
  • Keep the required documents handy for quick processing

Poonawalla Fincorp Limited
Address: 5th Floor, Prem Dohil Sadan, Plot No 11, Rajendra Place, New Delhi -110008
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

Missing your EMI payment on a Personal Loan from Poonawalla Fincorp leads to a default interest of 2% per month on the overdue amount. Avoid defaulting on your monthly payments as failing to pay your EMIs may negatively affect your credit score.

Repayments for Poonawalla Fincorp’s Personal Loan are made through Equated Monthly Instalments (EMIs) over a chosen tenure, ranging from 12 to 84 months.

No, you do not need to provide any collateral to secure a Personal Loan from Poonawalla Fincorp. Our collateral-free loan in Delhi is designed to help you achieve your financial goals quickly and easily without the need for any pledged assets.