Personal Loan offerings by Piramal Capital & Housing Finance Ltd. (Piramal Finance)

Key Features

Loan amount

₹ 25 Thousand - ₹ 5 Lakhs

Loan tenure up to

60 Months

Interest rates starting at

12.99%* p.a

For detailed fees and charges Click here *T&C apply

Piramal Finance is a registered Housing Finance Company (HFC) with National Housing Bank (NHB)

Eligibility Criteria for Instant Personal Loan Online?

  • 1.
    Age - 21 Years to 58 Years*
  • 2.
    Employed with - Private / MNC and Public / Govt.
  • 3.
    Minimum monthly salary - ₹ 15,000/-
  • 4.
    Credit Score - 700 above

Check Your Personal Loan Eligibility & Calculate EMI
  • Personal Loan EMI Calculator

  • Personal Loan Eligibility Calculator

1L2Cr
Years
1Y4Y
%
17%24%
Your Personal loan EMI is
Principal amount
0
Interest amount
0

Digital Documents

To get a personal loan instantly, you need to provide simple digital documents that vary depending on your job. Check the complete list of the documents required for personal loan.

KYC Documents

Proof of Identity & Address

Income Documents

Proof of Income
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How to apply for Online Personal Loan?


Apply for Instant Loan
  • Click on Apply Now to initiate the process
  • Enter your 10-digit mobile number linked to your bank account
  • Enter the OTP sent to your mobile number
PAN Verification
  • Enter your PAN details
  • Declare your monthly income
KYC Verification
  • Enter your KYC details
  • Confirm your address
  • Take a selfie
Bank Account Details
  • Enter the bank account number where you want the loan to get credited
  • Enter the IFSC code of the bank
Work Information
  • Select your company name
  • Enter your work email address
Upload Bank Statement
  • Enter the bank account number of your salary bank account
E-mandate and E-sign
  • Set-up EMI auto-repayment
  • Review and accept the final loan offer
  • Complete E-sign
  • In few minutes loan amount will ger credited to your verified bank account

Fees & Charges

Features & FeesDetails
Interest Rates12.99%* p.a. onwards
Loan Amount₹ 25,000 to ₹ 5,00,000
Processing FeesUp to 5% plus applicable taxes
Loan Tenure3 - 60 months tenure
Prepayment Charges ₹ 0
Foreclosure Charges₹ 0
Stamp DutyAt actuals (as per state)
Cheque Bounce Charges₹ 500 plus applicable taxes
EMI Bounce Charges₹ 500 plus applicable taxes
EMI Pickup/Collection Charges₹ 250 per visit plus applicable taxes
Cash Collection Charges1% of collection amount of Rs. 50000 and above in cash + taxes
Change of Loan Repayment Mode₹ 500 plus applicable taxes

Different Types of Personal Loans


We provide various easy loans to serve the various needs of customers. Please check out the below-mentioned types to avail the quick loan online.

View more

piramal faqs

Personal Loan by Amount

Now it is possible to get instant Personal loan by amount starting from ₹ 25,000 up to ₹ 5,00,000. Please check the below-mentioned options.

Features & Benefits of Our Personal Loan

Getting an instant loan online from Piramal Finance has several benefits. These include low-interest rates, fast approval, quick money transfer, flexible repayment options, partial payments and more.

Zero Charges

Zero pre-payment and foreclosure charges

No Co-signers/Guarantors

Co-Signer or Guarantors is not required to apply for a personal loan from Piramal Finance

Quick Approval & Disbursals

Quick sanctions and smooth disbursal processes: You repay your debts or do major purchases, and we will handle all the formalities.

EMI That Fits Your Pocket

There are multiple options available when it comes to framing a loan structure that suits your requirements. We empower a lot of flexibility in loan tenure, prepayment, and foreclosure as well.

100% Paper-Less Documentation

You can avail an instant loan by submitting the required documents online. The process is quick and hassle-free.

100% Secure Process

Your privacy and security are our top priorities. Our 100% secure process protects your personal and financial information.
Our Journey So Far
Happy Customers
25,000+
Loans Sanctioned
30,000+
Loan Disbursed
1,250 Cr+
Active Customers
18,000+

Frequently asked questions

What is a Personal Loan?
piramal faqs

What is the mode of Personal Loan Payments?
piramal faqs

How to Improve Your Chances of Getting an Instant Loan?
piramal faqs

What is the CIBIL score required to avail an Instant loan?
piramal faqs

What is a prepayment and how does it help repay the loan?
piramal faqs

How to calculate Your Personal Loan EMI?
piramal faqs

How to Track Loan Application status?
piramal faqs

What happens if Personal loan EMI is not paid?
piramal faqs

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