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

Get a Hassle-free Personal Loan in Gaya

Gaya, a city steeped in spiritual significance, also offers promising economic prospects. Meet your financial expenses, including travel, education, medical emergencies, etc., with a Personal Loan in Gaya. Avail of a collateral-free loan of up to ₹50 Lakh from Poonawalla Fincorp. Benefit from our competitive interest rates, flexible tenure, streamlined application process and fast approval. Apply now!

Why Choose Poonawalla Fincorp

High Loan Amount
Collateral-free Loan
No End-use Restrictions
Flexible Repayment
Tenure
Minimal Paperwork
Quick Loan
Approval

Personal Loan EMI Calculator

Know your monthly instalments using our online EMI calculator. Enter the loan amount, tenure, and interest rates to calculate your EMIs. 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

Rupees one lakh

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, 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 Gaya

Fulfil our simple eligibility criteria to qualify for the loan:

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

Documents Required for Personal Loan in Gaya

Upload just a few essential documents:

  • KYC Documents: Passport, Driving License, Aadhaar Card, PAN Card or Voter ID.
  • Income Proof: Salary slips and bank statements for the last 3 months.
  • 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.

Interest Rate and Charges for a Personal Loan in Gaya

Get 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
0% if paid from own sources
4% if paid from other sources
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 Gaya

  • Address financial emergencies
  • Pay for medical expenses
  • Renovate and upgrade your home
  • Finance your education
  • Purchase latest gadgets
  • Plan and enjoy a family vacation

Who Can Get a Personal Loan

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

Tips for a Successful Personal Loan Application

  • Check our eligibility criteria
  • Reduce your debt-to-income ratio
  • Check your credit score
  • Keep the necessary documents handy
  • Avoid multiple loan applications

Poonawalla Fincorp Branch Address Near Gaya

Poonawalla Fincorp Limited
Address: Office no. 105, 1st Floor, Pandey Plaza, Exhibition Road, Patna, Bihar-800001
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

Will my credit score be affected if I apply for a Personal Loan?

Yes, applying for a Personal Loan can impact your credit score. When you apply, a hard inquiry is generated, which may cause your credit score to drop by a few points. However, timely repayments and a low credit utilisation ratio can greatly improve your credit score over time.

Can I choose a personalised repayment tenure for a Personal Loan?

Yes, at Poonawalla Fincorp, we allow you to select a repayment tenure for a Personal Loan that suits your financial situation. You can choose to repay your loan over a period ranging from 12 to 84 months, offering you the flexibility to manage your repayments comfortably.

Can I get a Personal Loan for my wedding in Gaya from Poonawalla Fincorp?

Yes, with Poonawalla Fincorp's Personal Loan, you can finance your wedding expenses in Gaya. Whether you are planning a lavish ceremony or an exotic destination wedding, our loan offers the financial support you need to make your dream wedding a reality.