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 Kota

Transform your dreams into reality with a Personal Loan in the "University City" of Kota. Whether you are planning a grand wedding, funding higher education, or need cash for unexpected expenses, a Personal Loan in Kota will help you achieve your goals with ease and confidence.

Get instant access to funds up to ₹50 Lakh, tailored to your needs, with flexible repayment terms and competitive interest rates from Poonawalla Fincorp. Apply now for our instant Personal Loan!

Why Choose Poonawalla Fincorp

High
Loan Amount
Attractive
Interest Rate
No End-use
Restrictions
No Collateral
Required
Minimal
Paperwork
Flexible
Repayment Tenure

Personal Loan EMI Calculator

Plan your monthly repayments in an instant with our user-friendly EMI calculator. Just enter the loan amount, interest rate, and tenure. 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
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 Kota

Fulfil our simple and straightforward eligibility criteria:

  • Age: Between 21 and 60 years.
  • Citizenship: Indian.
  • Monthly Salary: At least ₹30,000.
  • Employment: Full-time employment with a private or public limited company.
  • Work Experience: Minimum 1 year, with 1 month in the current company.

Documents Required for a Personal Loan in Kota

Submit just a few essential documents:

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

Interest Rate and Charges for a Personal Loan in Kota

Access loans at competitive interest rates and minimal 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 Interest
2% per month
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 Kota

  • Financing your dream vacations
  • Repairing or renovating your home
  • Simplifying and managing multiple debts
  • Investing in your children's education
  • Staying updated with the latest gadgets
  • Covering unexpected medical costs
  • Financing a lavish wedding
     

Who Can Get a Personal Loan in Kota

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

Tips for a Successful Personal Loan Application

  • Check your credit score 
  • Review the eligibility criteria
  • Prepare all the required documents
  • Maintain a low debt-to-income ratio
     

Poonawalla Fincorp Branch Address in Kota

Poonawalla Fincorp Limited

Address: 1st floor, 1-C-18, Sweet Moments Building, Above Bank of Baroda, SFS, Sheela Choudhury Hospital Road, Talwandi, Kota, Rajasthan - 324005

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 Personal Loan restructuring?

Personal Loan restructuring helps borrowers facing financial challenges modify their loan terms. This may involve extending the repayment period or reducing the interest rate, making it easier to manage repayments and avoid default. You must note that the lender may approve or reject your request based on internal

Do I need to provide collateral for a Personal Loan?

No. Poonawalla Fincorp offers collateral-free loans for personal use. Use the loan amount to meet any personal needs with no restrictions.

What is the maximum loan amount available for a Personal Loan?

We offer loan of up to ₹50 Lakh for personal use. However, the loan amount may vary depending on your income, credit score, and repayment ability.