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

Personal Loan EMI Calculator

Estimate your monthly payments using our EMI calculator. Simply enter your desired loan amount, tenure, and rate of interest to calculate your EMIs easily. Use 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
Interest Rate Icon Competitive
Interest Rate
collateral icon Collateral-free
Loan
Use icon No End-use Restrictions
quick icon Quick
Approval
Zero Icon No Hidden
Charges

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

Qualify for a Personal Loan by meeting our simple eligibility requirements:

  • Age: Between 21 and 60 years.
  • Citizenship: Indian.
  • Employment: 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.

Submit these documents to apply for the loan:

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

Get the loan at competitive interest rate 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 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

  • While the purpose of a Personal Loan depends on the applicant's goals, here are some common uses:

  • Covering financial emergencies

  • Financing higher education

  • Consolidating high-interest debts

  • Purchasing consumer durables

  • Renovating a house

  • Salaried doctors

  • Salaried Company Secretaries

  • Salaried Chartered Accountants

  • Salaried individuals

  • Check the loan eligibility criteria

  • Maintain a low debt-to-income ratio

  • Check your credit score

  • Upload the required documents 

  • Avoid submitting multiple loan applications 

Poonawalla Fincorp Limited  

​​​Address: 2nd Floor, The Oval Tower, Venkatanarayana Road, T.Nagar, Chennai Tamil Nadu-600017 

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

Typically, the loan processing fee for such a loan would range from 1% to 3%, plus GST. Poonawalla Fincorp offers loan services for a nominal processing charge of up to 3% (plus applicable taxes). We also ensure 24/7 customer support and zero hidden or extra charges to guarantee your peace of mind. 

The rate of interest offered by Poonawalla Fincorp on its loan for personal use starts from 9.99%* p.a. The rate applicable to you depends on your credit score, net monthly income, repayment capacity, etc. 

The maximum amount for Poonawalla Fincorp’s Personal Loan is ₹50 Lakh. The loan amount you can avail of will depend on your credit profile, monthly income, repayment capacity, etc. 

Once you have filled in your loan application form and submitted your request, the decision to approve takes place, followed by disbursal. If your loan is approved, you can receive funds in your bank account within fifteen minutes.

No, you cannot get a Personal Loan in Pondicherry without documents. Lenders require basic KYC and income proof. However, many offer digital applications with minimal paperwork for faster processing.

Yes, Personal Loans are available for low-salary earners in Pondicherry. Approval depends on factors like credit score, job stability, and repayment capacity. You may qualify for a smaller amount or need a co-applicant.

You can get a Personal Loan with a low CIBIL score in Pondicherry by applying with a co-applicant, showing stable income, or requesting a smaller loan amount. Additionally, look into being able to apply for a secured loan.

When looking for the best Personal Loan in Pondicherry, consider key factors like rate of interest, loan tenure, processing fees, eligibility criteria, repayment flexibility, customer service, and the lender’s reputation. Always compare multiple lenders before applying.

Choosing the best personal loan provider in Pondicherry ensures lower rates, fast approval, minimal documentation, flexible repayment options, and better customer support. It also increases your chances of a hassle-free fund borrowing experience.