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

Finance Your Needs With a Personal Loan in Surat

Surat is called as the ‘Diamond City’ and ‘Silk City’ for its diamond and textile industries. The city is also a large shopping centre for jewellery and clothes. Meet your fund requirements in this bustling city with a Personal Loan from Poonawalla Fincorp.

Pay for vacations, weddings, higher education, medical emergencies, or any other personal needs with our loan. We offer a collateral-free loan of up to ₹50 Lakh with no end-use restrictions. Benefit from attractive interest rates, minimal documentation, quick approval, and no hidden charges. Apply now!

Why Choose Poonawalla Fincorp

High
Loan Amount
Attractive Interest
Rate
Unsecured
Loan
No End-use
Restrictions
Online
Application
No Hidden
Charges

Personal Loan EMI Calculator

Determine your EMIs instantly with our EMI calculator. Just enter the loan amount, interest rate, and tenure. You can also use different combinations of values to choose the one that fits you the best. Calculate now!

Optimise Your Personal Loan Experience
With Monthly Budget Planning

Monthly Payable Amount₹8,791
Principal Amount
₹100000
Interest Payable
₹5,493

Loan Amount

Rupees one lakh

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, 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 a Personal Loan in Surat

Fulfil our simple eligibility criteria to qualify:

  • Age Limit: 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 a Personal Loan in Surat

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 slips for the last 3 months.
  • Financial Documents: Bank statement for the last 3 months.

Interest Rate and Charges for a Personal Loan in Surat

We offer loans at attractive interest rates and nominal charges:

Interest Rate
Starting from 9.99%*p.a.
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
0% if paid from own sources
4% if paid from other sources
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 Surat

  • 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 Surat

  • 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 

Poonawalla Fincorp Branch Address in Surat

Poonawalla Fincorp Limited

Address: Office No. 207 and 208, 2nd Floor, RIO EMPIRE, Near Pal RTO, Adjan, Surat, Gujarat-394510

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

Can I opt for a Personal Loan amount of ₹20 Lakh in Surat?

Yes, you can avail of a personal use loan of ₹20 Lakh from Poonawalla Fincorp. However, the approved loan amount may vary based on your credit score, eligibility, income, and our internal policies. 

Are there any usage restrictions on Personal Loans granted in Surat?  

No. There are no end-use restrictions on the utilisation of loan amount. Get a collateral-free loan of up to ₹50 Lakh with minimal documentation. 

Can I opt for a Personal Loan from Poonawalla Fincorp online?

Yes. You can apply for a personal use loan online by visiting our website and clicking the ‘Apply Now’ button or downloading our app.