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 Pondicherry

Pondicherry, a city rich in culture and history, offers a unique blend of French colonial charm and Indian traditions. Manage your financial obligations in this historical city with a Personal Loan from Poonawalla Fincorp.

Renovate your home, meet your higher education costs or finance medical emergencies with our collateral-free loan of up to ₹50 Lakh with minimal documentation. Benefit from our attractive interest rates, minimal charges and fast loan approval. Apply now!

Why Choose Poonawalla Fincorp

High Loan
Amount
Competitive
Interest Rate
Collateral-free
Loan
No End-use Restrictions
Quick
Approval
No Hidden
Charges

Personal Loan EMI Calculator

Estimate your monthly payments using our EMI calculator. Simply enter your desired loan amount, tenure, and interest rate 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
12Months
84Months

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, and residential details.

Upload Documents

Upload the necessary documents for quicker approval.

Get exclusive offers thoughtfully customised just for you

Eligibility Criteria for a Personal Loan in Pondicherry

Qualify for a personal use 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.

Documents Required for a Personal Loan in Pondicherry

Submit minimal 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. 

Interest Rates and Charges for Personal Loan in Pondicherry

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

Different Uses of a Personal Loan in Pondicherry

  • Covering financial emergencies 
  • Financing higher education 
  • Consolidating high-interest debts 
  • Purchasing consumer durables 
  • Renovating your house

Who Can Get a Personal Loan in Pondicherry

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

Tips for a Successful Personal Loan Application

  • 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 Branch Address Near Pondicherry

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

What is the loan processing fee for a Personal Loan in Pondicherry?

We at Poonawalla Fincorp offer loan services for a nominal processing charge of up to 3% (plus applicable taxes). We also ensure 24/7 customer support and zero hidden charges to guarantee your peace of mind. 

What is the interest rate offered by Poonawalla Fincorp for a Personal Loan in Pondicherry?

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

What is the maximum amount I can borrow with a Personal Loan from Poonawalla Fincorp?

The maximum loan amount for Poonawalla Fincorp’s Personal Loan is ₹50 Lakh. Your loan amount will depend on your credit score, monthly income, repayment capacity, etc.