Get a Personal Loan in Kharagpur Online
Kharagpur has one of the largest railway workshops in India. Its economy is dependent on railways and industries like steel, rice mills, chemicals, etc. Manage your personal needs in the city with a Personal Loan from Poonawalla Fincorp.
Access a collateral-free loan of up to ₹50 Lakh to pay for your education, travel, medical expenses, etc. That’s not all! Avail of the loan with competitive interest rates, minimal documentation, and hassle-free loan approvals. Apply now!
Why Choose Poonawalla Fincorp
Personal Loan EMI Calculator
Use our EMI calculator to know your monthly payments. Enter the loan amount, interest rate, and tenure to instantly calculate your EMIs. Try now!
Apply for a Personal Loan in Just 3 Steps
Click on “Apply Now”
Tap the “Apply Now”button to initiate your application.
Enter Details
Enter your DOB, PAN card number, monthly income, KYC details and residential details.
Upload Documents
Upload the necessary documents for quicker approval.
On successful verification, the loan amount will be disbursed into your bank account instantly.
Eligibility Criteria for a Personal Loan in Kharagpur
Avail of the loan by meeting 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 Kharagpur
Provide a few documents to apply for the loan:
- KYC Documents: Driving License, Aadhaar Card, PAN Card, Passport or Voter ID.
- Income Proof: Salary slip for the last 1 month and bank statements for the last 3 months.
- Employment Proof: Utility Bills, Passport or Rent Agreement.
- Address Proof: Official mail ID or Employee ID card.
Interest Rate and Charges for a Personal Loan in Kharagpur
Get our loan for personal use at attractive interest rates and nominal charges:
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: 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 Kharagpur
- Pay your tuition fees
- Finance your family trips
- Renovate your home
- Cover your emergency medical costs
- Fund your wedding expenses
- Consolidate high-interest debts
Who Can Get a Personal Loan in Kharagpur
- Salaried individuals
- Salaried doctors
- Salaried Chartered Accountants
- Salaried Company Secretaries
Tips for a Successful Personal Loan Application
- Check if you meet the eligibility criteria
- Understand the terms and conditions
- Check your credit score and repayment history
- Decide the loan amount based on your requirements
- Keep all loan documents ready
- Avoid applying more than once for the loan
Happy Customers, Happy Us


I opted for a Loan Against Property balance transfer with Poonawalla Fincorp, and the experience exceeded my expectations. The application process was completely digital, quick, and required minimal paperwork. Getting a significantly lower interest rate helped me reinvest in my business. With better financial flexibility, I was able to scale operations efficiently, leading to a 30% increase in business turnover. Poonawalla Fincorp made the entire journey stress-free, and I highly recommend their services to any business owner looking for smart financial solutions.


Poonawalla Fincorp’s Pre-owned Car Loan made the entire financing process effortless. The loan approval was quick, and the minimal documentation made it even more convenient. Within just a couple of days, the funds were disbursed, allowing me to purchase a well-maintained pre-owned vehicle without any hassle. The repayment options were flexible, and the entire experience was seamless. Thanks to Poonawalla Fincorp, I could get my car without any financial strain. Highly recommended!


Securing a loan to purchase a commercial property with rental income was crucial for my business. Having previously worked with Poonawalla Fincorp, I was confident in their services. The process was incredibly smooth and transparent. The quick disbursement and excellent post-sales support made the entire experience stress-free. Thanks to Poonawalla Fincorp, I now own a prime commercial property in Mumbai, which has significantly boosted my business. Their quick turnaround time and excellent post-sales support made all the difference. I wholeheartedly recommend them to anyone in need.


I had a great experience with Poonawalla Fincorp’s Pre-owned Car Loan. The offered loan amount was as per my expectations, and the entire process was smooth and hassle-free. The documentation was minimal, and the loan was disbursed in just two days! What stood out was the flexibility—repayment was easy, and the EMI structure was well-planned. The loan approval process was straightforward, making it convenient to get the car I wanted without any delays. Overall, the service was excellent, and I highly recommend Poonawalla Fincorp to anyone looking for an easy and quick loan process!


A friend in need, is a friend indeed. Poonawalla fincorp has been like one of those friends for me, who has supported me in my journey. With no hidden charges and no prepayment charges, the company has provided me with the adequate funds I needed for me professional practice. From the loan application process to the disbursal of funds, I did not face any problems. My experience was hassle-free and smooth. Not just me, all my fellow professionals and friends have had a wonderful experience with Poonawalla Fincorp’s Professional Loan.


I am practicing Chartered Accountant (CA) based out of Hubli. There were working capital issues that i was facing like upgrading my firm’s overall infrastructure, hiring well-qualified staff and digitization. Poonawalla fincorp hab been of great support when it comes to funding these requirements. I’ve got one of the best interest rates available in the market, my documentation process was fast & hassle-free. and the digital application process made it very simple to get a Professional Loan as a CA. I recommend to CAs to consider Poonawalla Fincorp for their working capital or any other funding requirements.


I run a chain of farmacy stores with 5 branches in pune. With the growing polpularity of home delivery, my customers were expecting the same from me as well. However, the extra capital requirement made it difficulf for me to hire delivery persons. With Poonawalla fincorp’s Business loan, I am now able to compete with online pharmacy retailers, manage working capital and upgrade my system. My customers have grown 50-60%. The loan applicatipn process is digital, simple and speedy. I was delighted to get my loan amount disbursed quickly, allowing me to upgrade my operationg seamlessly.
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Frequently Asked Questions
The maximum loan amount you can get for a personal credit loan from Poonawalla Fincorp is ₹50 Lakh. However, the loan amount offered depends on factors such as your income, credit score, and repayment capacity.
To improve your chances of availing of a loan for personal use, follow these strategies:
- Maintain a good credit score
- Provide the necessary documentation
- Choose a loan tenure that aligns with your repayment capacity
You can calculate the EMI of a personal credit loan using the following formula:
E = [P x R x (1+R) N] / [(1+R) (N-1)]
Where, P = principal loan amount
R = rate of interest (monthly)
N = number of monthly instalments (tenure)
Alternatively, you can use our Personal Loan EMI calculator to know the EMI amount instantly