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

Get a Collateral-free Personal Loan in Karnal Instantly

Karnal, an important trading and industrial centre in Haryana, is famous for several educational institutes for research and development.  Manage your financial obligations in this city —from meeting emergency medical expenses to pursuing higher education—with a Personal Loan of up to ₹50 Lakh from Poonawalla Fincorp. Avail of a collateral-free loan with minimal paperwork. Enjoy attractive interest rates, no hidden charges, quick approval and instant disbursal. Apply now!

Why Choose Poonawalla Fincorp

Collateral-free
Loan
Quick
Approval
No End-use
Restrictions
No Hidden
Charges
Minimal
Documentation
Online Application
Process

Personal Loan EMI Calculator

Plan your monthly repayments with our easy-to-use online EMI calculator. Just enter the loan amount, tenure and interest rates to get instant results. 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
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, 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

Eligibility Criteria for a Personal Loan in Karnal

Fulfil our simple eligibility criteria:

  • 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 per month.

Documents Required for a Personal Loan in Karnal

Upload just a few mandatory documents:

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

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 Karnal

Avail of a loan for personal use 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 ₹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

Different Uses of a Personal Loan in Karnal

  • Renovating your home 
  • Covering your education-related expenses 
  • Purchasing high-value appliances  
  • Dealing with medical emergencies 
  • Consolidating high-interest debts 

Who Can Get a Personal Loan in Karnal

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

Tips for a Successful Personal Loan Application

  • Check the eligibility criteria 
  • Read the loan-related terms and conditions 
  • Reduce your debt-to-income ratio 
  • Keep the loan documents ready 
  • Avoid multiple loan applications 

Poonawalla Fincorp Branch Address in Karnal

Poonawalla Fincorp Limited  

Address: 1st Floor, SCO 90 & 91 Sector 16, Namestey Chowk, Pritam Nagar, Karnal, Haryana -132001 

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

What is the interest rate for a Personal Loan from Poonawalla Fincorp?

The minimum interest rate for availing of Poonawala Fincorp’s Personal Loan starts from 9.99%* p.a. The interest rate for a loan applicant is determined based on his/her CIBIL score, net monthly income, repayment capacity, etc. 

What are the charges for dishonoured repayment instruments on a Personal Loan?

A penalty of ₹500 plus applicable tax is imposed for each instance of a loan repayment instrument being dishonoured. Simply put, this fee applies to every bounced cheque. 

What is the lowest EMI for availing a Personal Loan in Karnal?

You can get a loan for personal use from Poonawalla Fincorp with EMIs starting from ₹2,124*. The EMI value is based on an interest rate of 9.99%* p.a., a repayment tenure of 5 years and a loan amount of ₹1 Lakh.