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

EMI Calculator for an Urgent Personal Loan

Plan your monthly payments with our online EMI calculator. Just enter the loan amount, tenure and interest rates to compute your monthly repayments. Use 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
12 Months
84 Months

Why Choose Poonawalla Fincorp

collateral icon Collateral-free
Loan
Use Icon No End-use
Restrictions
Document Icon Minimal
Paperwork
Application Icon Online Application
Process
Document Icon Minimal Paperwork
Quick icon Quick Approval

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

Fulfil 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.

Apply for our loan for personal use by uploading just a few documents:

  • KYC Documents: Voter ID, Driving License, Aadhaar Card, PAN Card or Passport.
  • Income Documents: Salary slips 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.

Note: The list of documents mentioned above is indicative. You may need to submit additional documents during the loan processing stage.

Get our personal use loan at competitive 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

  • Cover emergency medical expenses
  • Consolidate high-interest debt
  • Finance your higher education
  • Renovate your home
  • Purchase consumer durables

  • Check whether you meet the eligibility conditions
  • Decide the loan amount based on your requirements
  • Maintain a low debt-to-income ratio
  • Check your credit score
  • Borrow only what you need
  • Keep all loan documents ready

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

The EMI for an urgent loan for personal use depends on your CIBIL score, monthly income, repayment capacity, tenure, etc.

You need not pledge any asset as collateral/security to avail of our urgent loan for personal use.

You can repay the EMIs for our urgent personal credit loan via the auto-debit method directly from your bank account from the National Automated Clearing House (NACH) to ensure hassle-free EMI repayment.