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

Get a Personal Loan in Ratnagiri Online

Overlooking the Konkan coast in western India, Ratnagiri’s historical roots and religious ties attract people from all over the world. This Maharashtrian city is known for its splendid beaches and its unique food culture. Poonawalla Fincorp covers fund requirements with hassle-free Personal Loan in Ratnagiri of up to ₹50 Lakh.

Apply online on the Poonawalla Fincorp website with minimal documentation and enjoy benefits like attractive interest rates, no hidden charges, flexible EMIs and more. Apply Now!

Why Choose Poonawalla Fincorp

Collateral-free
Loan
Attractive
Interest Rate
Minimal
Paperwork
Flexible
Loan Tenure
Quick
Approval
No Hidden
Charges

Personal Loan EMI Calculator

Plan your repayment budget effectively with our user-friendly EMI calculator. Simply enter the desired loan amount, interest rate, and tenure to instantly view the monthly EMI amount. Try it 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

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

Eligibility Criteria for Personal Loan in Ratnagiri 

Fulfil our simple eligibility criteria to qualify:

  • Age: Between 21 and 60 years.
  • Citizenship: Indian.
  • Work Experience: A minimum of 1 year of total experience and 1 month of experience with current employer.
  • Monthly Salary: A minimum of ₹30,000.
  • Employment Status: Full-time job at any Pvt Ltd, listed, unlisted Public Ltd company, LLP, MNC or the Central Government. 

Documents Required for Personal Loan in Ratnagiri

Submit just a few essential documents for a seamless application:

  • KYC Documents: PAN Card, Voter ID, Passport, Driving License, or Aadhaar Card.
  • Address Proof: Utility Bills, Rent Agreement or Passport. 
  • Employment Proof: Official mail ID or employee ID card.
  • Income Proof: Salary slip for the past 1 month.
  • Financial Documents: Bank account statements for the past 3 months.

Interest Rates and Charges for a Personal Loan in Ratnagiri

Get the loan at 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

Different Uses of a Personal Loan

  • Paying for higher education
  • Travelling abroad
  • Covering medical costs
  • Consolidating debts 
  • Buying high-end appliances
  • Covering wedding expenses

Who Can Get a Personal Loan in Ratnagiri

  • Salaried employees 
  • Salaried doctors 
  • Salaried Company Secretaries 
  • Salaried Chartered Accountants 

Tips for a Successful Personal Loan Application

  • Check the eligibility criteria
  • Fill out the application form accurately
  • Review your credit score
  • Disclose all income sources
  • Avoid multiple loan applications
  • Reduce existing 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

What are the benefits of taking a Personal Loan from Poonawalla Fincorp?

You can secure a Personal Loan of up to ₹50 Lakh from Poonawalla Fincorp with easy online application and minimal documentation. The loan is processed quickly, and the approved amount is disbursed to your bank account. In addition, you can also enjoy other benefits including flexible EMIs, zero foreclosure charges and more.  

Can I get flexible repayment options for a Personal Loan?

Definitely. With Poonawalla Fincorp, you can choose a flexible repayment tenure between 12-84 months and repay your loan with manageable monthly EMIs.  

How can I apply for a Personal Loan in Ratnagiri?

You can easily apply for a Personal Loan in Ratnagiri online on the Poonawalla Fincorp website. Simply click on the “Apply Now” button, enter the requisite details and upload the necessary documents to complete your loan application.