Interest Rate
Starting at 9.99%* p.a.
Loan Tenure
12-84 Months
Hidden Charges
0%

Secure a Personal Loan of ₹30 Lakh

Fulfil your dreams without worrying about finances. Whether you're planning a wedding, planning for higher education, renovating your home, or consolidating debt, get a ₹30 Lakh Personal Loan and turn your dreams into a reality. Apply now and benefit from competitive interest, minimal paperwork, and quick approval.

Why Choose Poonawalla Fincorp

Collateral-free
Loan
No End-use
Restriction
Minimal
Documentation
Quick
Approval
100% Digital
Process
Flexible
Repayment Terms

₹30 Lakh Personal Loan EMI Calculator

Use the online EMI calculator to determine the payable monthly instalments. Just enter the loan amount, tenure and interest rate.

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 of ₹30 Lakh

Qualify for our loan with simple eligibility criteria: 

  • Age: Between 21 and 60 years.
  • Citizenship: Indian.
  • Employment: Full-time job with a government entity, public/private limited company, LLP, educational institution, or a company approved by Poonawalla Fincorp.
  • Work Experience: Minimum 1 year and at least 1 month at the applicant’s present job.
  • Monthly Income: At least ₹30,000 per month.

Documents Required for a ₹30 Lakh Personal Loan

Provide the necessary documents while applying for a Personal Loan: 

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

Interest Rate and Charges for a ₹30 Lakh Personal Loan

Poonawalla Fincorp offers loans at competitive rates of interest 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
0% if paid from own sources
4% when paid from other sources
Default Charges
24% p.a. + taxes
Repayment Instrument Dishonour Charges
₹500 per bounce plus chargeable 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 ₹30 Lakh Personal Loan

  • Higher education
  • Debt consolidation
  • Wedding
  • High-value purchases
  • Car purchase 
  • Business expenses 
     

Who Can Get a ₹30 Lakh Loan

●    Salaried individuals
●    Salaried doctors
●    Salaried Chartered Accountants
●    Salaried Company Secretaries
 

Tips for a Successful Personal Loan Application

  • Provide accurate details
  • Upload the necessary documents
  • Have a low debt-to-income ratio
  • Check your credit score
     

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

1. What is the minimum credit score required to opt for a ₹30 Lakh Personal Loan?

The minimum credit score required to opt for a ₹30 Lakh Loan with low interest rates and favourable terms is 750.

2. What can I use the personal loan for?

You can use the funds to cover expenses related to household appliances, home renovation, higher education, medical emergencies, vacations, weddings, etc.

3. How long does it take to process the loan request?

You can get approval and disbursement instantly after successful verification and approval.