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 West Bengal

West Bengal, a land of diversity and rich cultural heritage, offers endless opportunities for personal and professional growth. Fulfil your financial obligations in this state with a Personal Loan from Poonawalla Fincorp. Avail of a collateral-free loan of up to ₹50 Lakh to cover your expenses, including travel, education, medical emergencies, etc., with minimal paperwork. What’s more? Benefit from our attractive interest rates, minimal charges, swift approvals and instant disbursal. Apply now!

Why Choose Poonawalla Fincorp

Collateral-free
Loan
No End-use
Restrictions
Minimal
Documentation
Swift
Approval
No Hidden
Charges
Lower Interest
Rate

Personal Loan EMI Calculator

Calculate your monthly payments easily using our EMI calculator. Simply enter the loan amount, tenure and interest rate for instant results. Use 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 West Bengal

Avail of Poonawalla Fincorp’s loan for personal use by meeting our simple eligibility criteria:

  • Age: Between 21 and 60 years.
  • Citizenship: Indian.
  • Employment Type: Full-time job at a private or public sector organisation.
  • Work Experience: Minimum 1 year with at least 1 month at current job.
  • Net Monthly Salary: At least ₹30,000 per month.

Documents Required for a Personal Loan in West Bengal

Submit minimal documents to apply for a personal use loan:

  • KYC Documents: Voter ID, Driving License, Aadhaar Card, PAN Card or Passport.
  • Income Documents: Salary slip for 1 month and bank statements for the last 3 months.
  • Address Proof: Passport, Rent Agreement, or Utility Bills.
  • Employment Proof: Official mail ID confirmation or Employee ID card.

Interest Rate and Charges for a Personal Loan in West Bengal

Poonawalla Fincorp offers a loan for personal use at competitive interest rates and minimal 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 West Bengal

  • Cover unexpected medical expenses
  • Finance your dream vacation
  • Consolidate high-interest debts
  • Pay for home renovation
  • Buy consumer durables

Who Can Get a Personal Loan in West Bengal

  • Salaried individuals
  • Salaried doctors
  • Salaried Chartered Accountants
  • Salaried Company Secretaries

Tips for a Successful Personal Loan Application

  • Check your eligibility criteria
  • Keep your credit utilisation ratio below 30%
  • Check your credit score
  • Maintain a low debt-to-income ratio
  • Ensure you have the required documents
  • Avoid applying for multiple loans

Poonawalla Fincorp Branch Address in West Bengal

Poonawalla Fincorp Limited
Address: 6th Floor, Apeejay House, Block B, Unit No: B/6/1, 15 Park Street, Kolkata, West Bengal-700016
Contact Number: 1800-266-3201 (Toll Free)
Timing: 10 am – 6:30 pm (Weekly off on first and second Saturdays and all Sundays)

Poonawalla Fincorp’s Branch Address in Durgapur
Address: 2nd Floor, Kwality Hotel Complex, Bhiringi More, Dist-Panchim Bardhman, West Bengal -713213
Contact Number: 1800-266-3201 (Toll Free)
Timing: 10 am – 6:30 pm (Weekly off on first and second Saturdays and all Sundays)

Poonawalla Fincorp’s Branch Address in Siliguri
Address
: 1st Floor, Unity Building, Sevoke Road, Siliguri, West Bengal-734001
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

What happens if I miss an EMI payment for a Personal Loan?

If you miss your EMI payment for a Personal Loan from Poonawalla Fincorp, a default interest rate of 24% p.a. + taxes is applicable on the overdue amount. Non-payment of EMIs on time will also negatively affect your credit score and lower your eligibility to avail of loans or credit cards in future.

Can I use a Personal Loan from Poonawalla Fincorp for any purpose?

Yes, you can use our personal credit loan for multiple purposes, including medical expenses, travel, home improvement, debt consolidation, etc.

How can I avail of an instant Personal Loan from Poonawalla Fincorp?

To secure an instant loan from Poonawalla Fincorp, you must meet our simple eligibility criteria, submit the required documents and apply online for quick approval and instant disbursal.