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

Personal Loan EMI Calculator

Calculate your EMIs with our easy-to-use EMI calculator. Just enter the loan amount, interest rate, and tenure. 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
12 Months
84 Months

Why Choose Poonawalla Fincorp

Loan icon High
Loan Amount
collateral Icon Collateral-free
Loan
Use Icon No End-use
Restrictions
document icon Minimal
Documentation
EMI Icon Flexible Repayment
Tenure
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

Meet our simple eligibility criteria:

  • 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: Minimum of ₹30,000.

Submit just a few mandatory documents:

  • KYC Documents: PAN Card, Aadhaar Card, Voter ID, Driving License, or Passport.
  • Address Proof: Utility bills, passport or rent agreement.
  • Income Documents: Recent 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.​

We offer competitive interest rates and nominal charges on our loan:

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

  • Home renovation or remodelling 
  • Consolidating debt 
  • Financing travel plans 
  • Funding emergencies 
  • Funding wedding ceremonies 
  • Paying for higher education 
  • Salaried individuals  
  • Salaried doctors  
  • Salaried Chartered Accountants 
  • Salaried Company Secretaries  
  • Have all required documents ready 
  • Check your credit score 
  • Verify your eligibility  
  • Provide accurate and complete information  
  • Avoid multiple loan applications 
  • Reduce existing debts  

Poonawalla Fincorp Limited
Address: 36-7-14, 2nd Floor, Konduri Square, Konduri Street, Innespeta, Rajahmundry, Andhra Pradesh-533102 
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

Yes, a credit score is one of the important eligibility criteria. It depicts your creditworthiness and showcases your repayment capabilities. A CIBIL score of 700 and above is considered ideal. 

Poonawalla Fincorp levies a nominal processing fee of up to 3% on the loan amount. 

The repayment options include EMIs, prepayment, and foreclosure. The EMIs are determined based on your loan amount, interest rate, and tenure. With Poonawalla Fincorp, you can foreclose the loan before the end of your loan tenure at no extra cost if paid from own sources. However, if paid from other sources, a 4% foreclosure fee is applicable.