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

Personal Loan EMI Calculator

Use our online loan EMI calculator to calculate your monthly repayments. Enter your loan amount, tenure and interest rate to view your monthly outgo instantly. 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
Interest Rate Icon Competitive
Interest Rate
EMI Icon Flexible
Tenure
Document Icon Minimal
Documentation
Zero Icon Zero Hidden
Charges
Quick icon Quick
Approval

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 simple eligibility criteria:

  • 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 per month.

Submit just a few essential 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 slip for the last 1 month.

Get the loan at 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 ₹1,660* per Lakh for 84 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

  • Renovating home 
  • Financing a dream vacation  
  • Covering medical emergencies 
  • Purchasing the latest home appliances 
  • Funding higher education 
  • Salaried individuals 
  • Salaried Chartered Accountants 
  • Salaried doctors 
  • Salaried Company Secretaries 
  • Boost your credit score  
  • Submit complete and accurate paperwork  
  • Calculate your monthly instalments  
  • Avoid multiple loan applications 
  • Ensure your credit report is error-free 

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

Poonawalla Fincorp offers a Personal Loan with no end-use restrictions. This enables you to use it for various purposes. You can use this loan for travel plans, higher studies, emergency expenses or debt consolidation, etc. 

To calculate your EMIs instantly with our EMI calculator, follow these steps: 

Step 1: Go to the ‘EMI calculator’ section. 

Step 2: Enter the loan amount, tenure and interest rate. 

The calculator will show you the results instantly. 

To maintain a good credit score, follow these strategies: 

  • Monitor your credit report regularly 
  • Make payments on time 
  • Do not apply for credit frequently 
  • Maintain a long credit history