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

Get a Flexible Personal Loan in Vadodara

Fulfil your urgent fund requirements by availing of a Personal Loan in Vadodara. Whether you are planning a home renovation, pursuing higher education, or paying medical bills, our loan is a reliable way to meet your financial needs. Get up to ₹50 Lakh at competitive interest rates, with minimal documentation, quick approval, flexible terms, and no hidden charges. Apply now!

Why Choose Poonawalla Fincorp

High Loan
Amount
Unsecured
Loan
No End-use
Restrictions
Online
Application
Minimal
Documentation
Quick
Approval

Personal Loan EMI Calculator

Calculate your monthly repayments seamlessly using our online 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

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 a Personal Loan in Vadodara

Meet our simple and straightforward eligibility criteria to qualify:

  • Age: Between 21 and 60 years.
  • Citizenship: Indian.
  • Employment: A full-time job at any listed LLP, unlisted public Ltd., PSU, MNC, Central Government, Pvt. Ltd., or internally listed company.
  • Experience: A minimum of one year of work experience and one month with current employer.

Documents Required for a Personal Loan in Vadodara

Skip the hefty paperwork and submit just the minimal documents:

  • Identify Proof: Aadhaar Card, Passport, Voter ID, Driving License, PAN Card.
  • Address Proof: Passport, Electricity Bill or Rent Agreement.
  • Income Documents: Last 1 month salary slip.
  • Financial Documents: Bank account statement for the last 3 months.
  • Employment Proof: Employee ID card or Official mail ID.

Interest Rate and Charges for a Personal Loan in Vadodara

We offer loans at attractive 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 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 Vadodara

  • Renovating your home
  • Funding higher education
  • Hosting weddings or other ceremonies
  • Funding vacation plans
  • Covering medical emergencies

Who Can Get a Personal Loan in Vadodara

  • 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

Poonawalla Fincorp Branch Address in Vadodara

Poonawalla Fincorp Limited
Address:701, 7th Floor, Samanvay silver, Munjmauda, Akota, Vadodara, Gujarat-390020
Contact Number: 1800-266-3201 (Toll Free)
Timing: 10 am – 6:30 pm (Weekly off on first and second Saturdays and all Sundays)

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 CIBIL score is required to get a Personal Loan from Poonawalla Fincorp?

To qualify for a Personal Loan from Poonawalla Fincorp, you must have a CIBIL score of at least 700. A score of 700 or above increases your chances of loan approval with favourable loan terms.

Can I avail of a Personal Loan without payslips?

No, it is not possible to avail of a Personal Loan from Poonawalla Fincorp without submission of payslips. You must submit payslips for the last 3 months as employment proof.

Can I use a Personal Loan to pay off existing high-interest debts?

Yes. You can use the loan amount for debt consolidation. Get loan up to ₹50 Lakh at affordable interest rates, with online application, minimal documentation, flexible repayment tenure, no end-use restrictions, and no hidden charges.