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

Get a Quick Personal Loan in Puducherry

Puducherry, referred to as Pondicherry, is a charming coastal town in South India known for its serene beaches, vibrant French Colonial architecture, and rich cultural heritage. Meet your urgent fund requirements in this city with a Personal Loan from Poonawalla Fincorp.

From medical emergencies to higher education, our loan is customised to support all your needs. Avail up to ₹50 Lakh without pledging any collateral at competitive interest rates, with minimal documentation, quick approval, and flexible loan terms. Apply now!

Why Choose Poonawalla Fincorp

High
Loan Amount
Collateral-free
Loan
Affordable
Interest Rate
Minimal
Documentation
Hassle-free
Online Application
Flexible
Repayment Tenure

Personal Loan EMI Calculator

Calculate your monthly repayments seamlessly using our online Personal Loan EMI calculator. Enter an interest rate, loan amount and tenure to determine the EMI amount. Try 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 Puducherry

Meet our simple and straightforward eligibility criteria:

  • Age: Between 21 and 60 years.
  • Citizenship: Indian
  • Income: Minimum monthly salary of ₹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 Puducherry

Skip the hefty paperwork and submit just the mandatory documents:

  • KYC Documents: PAN Card, Aadhaar Card, Voter ID, Driving License, or Passport.
  • Address Proof: Utility Bills, Passport or Rent Agreement.
  • Income Proof: Salary slip for the last 1 month.
  • Financial Proof: Bank statement for the last 3 months.
  • Employment Proof: Office email/ Office ID card (in case office email ID is not confirmed).

Interest Rate and Charges for a Personal Loan in Puducherry

Avail of the loan at competitive interest rates 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 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

● Home renovation

● Dream vacation

● Grand wedding celebrations

● Emergency fund

● Medical expenses

● Debt consolidation

Who Can Get a Personal Loan in Puducherry

● Salaried individuals

● Salaried doctors

● Salaried Company Secretaries

● Salaried Chartered Accountants

Tips for a Successful Personal Loan Application

● Check your credit score

● Submit all necessary documents

● Ensure you meet the eligibility criteria

● Avoid multiple applications

● Reduce your debts

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

Do I need to pledge any assets for a Personal Loan?

No. Poonawalla Fincorp offers collateral-free personal loans with no end-use restrictions.

How can I apply for a Personal Loan in Puducherry?

To apply, visit our nearest branch or apply online. For online application, follow these 3 simple steps:

Step 1: Click on ‘Apply Now’.

Step 2: Fill out the application form.

Step 3: Upload all the necessary documents.

Upon verification, the loan amount will be credited to your bank account instantly.

Do I need a credit score of 700 for a Personal Loan in Puducherry?

A credit score of 700 and above is considered a good score. A good credit score improves your chances of loan approval along with favourable loan terms.


*T&C Apply