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

Personal Loan EMI Calculator

Plan your monthly repayments in an instant with our EMI calculator. Just enter the loan amount, interest rate, and tenure to know the EMIs. You can also try different values to check what suits you the best. 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

Loan Icon High Loan
Amount
Collateral Icon Unsecured
Loan
Use Icon No End-use
Restrictions
Interest Rate icon Attractive
Interest Rate
Document Icon Minimal
Documentation
EMI Icon Flexible
Loan Tenure

Apply for a Personal Loan Online 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

Fulfil our simple eligibility criteria to qualify:

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

Skip the hefty paperwork and submit just the minimal documents:

  • Identify Proof: PAN Card, Passport, Aadhaar Card, Voter ID Card, or Driving License.
  • Address Proof: Electricity Bill, Passport, or Rent Agreement.
  • Financial Documents: Bank account statements for the last 3 months.
  • Income Documents: Last 1 month salary slip.
  • Employment Proof: Employee ID card or official e-mail ID.

Avail of a collateral-free loan at an attractive interest rate 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

  • Medical expenses
  • Travelling costs
  • Festivals and events
  • Higher education
  • Wedding expenses
  • Debt consolidation

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

  • Review your credit score
  • Check the eligibility criteria
  • Keep all your required documents handy
  • Avoid multiple loan applications
  • Reduce your existing debts

Poonawalla Fincorp Limited
Address: 7th Floor, SCO 10 & 11, Feroz Gandhi Market, Above DCB Bank Ludhiana, Punjab-141001
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

You can use the loan amount to meet any personal funds requirements, including higher education, vacation, wedding, medical emergencies, and shopping. Get a collateral-free loan with no end-use restrictions.

To get quick access to funds from Poonawalla Fincorp, you must have a credit score of 700 and above, fulfil our eligibility requirements and apply online with all required documents.

To apply for a Personal Loan with Poonawalla Fincorp, you need to submit identity proof, address proof, employment proof, financial documents, and income documents.