
Instant Personal Loan Online
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- Already Applied?
- Track Application
Key Features of Our Instant Personal Loan
Loan Amount
₹50,000 to ₹25 Lakh
Loan Tenure
9 to 60 months
Low Interest Rates
Starting at 12.9% p.a. for personal loan and 14% p.a. for instant loan
Instant Approval & Disbursal
Get your loan approved in minutes, disbursed in 24 hours
100% Digital Process
Apply, verify, and track your loan application online
No Collateral Required
Unsecured personal loan & instant loan options
Dedicated Assistance
Our loan experts extend full support to you in your Personal loan application. We make documentation simple and quick for you.
Custom Loan Options
You can choose your loan amount and tenure to manage your financial goals effectively.
No Hidden Charges
We make sure there are no hidden costs. The information clearly explains everything before you apply for the personal loan.
Personal Loan Customer Review
How to Apply for an Instant Personal Loan Online & Offline?
We have made the process effortless and fully online.
Here is a step-by-step guide to obtaining an immediate loan.
- Registration- Click the Apply Now button on the website.
- Input your mobile number and confirm it using the OTP dispatched to your device. - Add Basic Details- Enter your PAN details and declare your monthly income to proceed.
- Add KYC Details- Submit your KYC information, including your complete name and address.
- Confirm your address and upload a quick selfie for verification. - Share Bank Account Details- Provide your bank account number and the IFSC code of your bank for disbursal
- Give Employment Details- Share your company name and work email address for employment verification.
- Upload Bank Statement- Upload your bank statement from the last three months for income verification.
- Setup E-mandate & E-Signature- Set up EMI auto-repayment for hassle-free loan payments.
- Review your loan offer and confirm it with an E-signature.
Want to Visit a Branch?
To apply in person, go to the nearest Piramal Finance branch. There, you can register, submit your documents, and get help for quick approval.
No matter which method you pick, Piramal Finance makes applying for a personal loan easy and fast. They assist in obtaining loan for you swiftly.
Eligibility Criteria for Instant Personal Loan
Piramal Finance offers one of the most convenient and straightforward eligibility criteria for instant personal loan applications. To ensure a hassle-free loan approval process, it’s important to know the key requirements.
- Age: To apply for a personal loan, applicant must be between 25 and 58 years of age
- Employment: Salaried (Private/Govt), Self-employed individuals
- Income Criteria: Salaried: Minimum monthly salary required ₹25,000/month for Instant Personal Loan
- For Self-Employed Individuals:₹3 Lakh annual income
- Credit Score: We at Piramal Finance offer Instant personal loan to the applicants with credit score of 750 and more.
Documents Required for Instant Loan Application
We ensure you have minimal documentation and provide end-to-end guidance in the documentation process.
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Row 1
- KYC Documents
- Income/ Salary Proofs
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Row 2
- Aadhaar Card & Pan Card
- Bank Statement for the Previous 3 Months
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Row 3
- Voter ID & Passport
- Salary Slips of the Last 3 Months
Personal Loan Types We Offer We offer a variety of personal loan options to meet your every financial need.
Home Renovation Loan
A home renovation loan gives you funds for home repairs, improvements and upgrades.


Wedding Loan
A wedding loan lets you cover all the wedding expenses for the special day of your life.


Travel Loan
Finance your dream vacation and cover all your travelling expenses.


Car Loan
Get a new or used car loan with the most flexible repayment options.


Emergency Loan
Emergency loans give you quick financial help when you need the most.


Festival Loan
Cover your festive season expenses like shopping, gifts, and decorations.


Loan for Women
Designed especially for women, these loans support women in education, business and personal growth.


Loan for Salaried Employees
Get quick financial support to meet your instant financial needs.


Education Loan
Get financial support to pursue education-related expenses including tuition fees and accommodation.


Personal Loan for Bike
Get instant funds to buy a two-wheeler with flexible tenures.

Personal Loan Amount Options
Get a quick loan from ₹50,000 to ₹25 Lakh.
Personal Loan Interest Rates & Charges
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Row 1
- Feature & fees
- Details
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Row 2
- Loan Amount
- Min ₹ 50,000 to max ₹ 25,00,000
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Row 3
- Interest Rates
- 12.9%* p.a onwards
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Row 4
- Loan Tenure
- 9 - 60 months tenure
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Row 5
- Processing Fees
- Up to 5% of the loan amount + applicable taxes
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Row 6
- Pre-Closure & Part Payment Fee
- 3% of the principal amount + applicable taxes
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Row 7
- Part Pre-Payment of Personal Loan
- 3% of Principal Paid+ GST
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Row 8
- Personal Loan Pre-Closure Charges
- 3% of Principal Outstanding + GST
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Row 9
- Stamp Duty
- At actuals + Applicable taxes
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Row 10
- Cash/ Overdue EMI/PEMII collection Charges
- ₹ 500 + applicable taxes
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Row 11
- EMI Date Change
- ₹ 1000 + applicable taxes
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Row 12
- Loan Repayment Instrument Dishonor Charges
- ₹ 750
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Row 13
- Loan cancellation after disbursal/cheque handover
- ₹ 3,000 + Interest accrued & due + Applicable taxes
Tips to Get Fast Instant Loan Approval
Getting quick approval for a personal loan is easier if you know what to do. Here are some valuable tips that can help you to speed up your loan approval process.
- Maintain a Good Credit Score A credit score of 750 or above will increase the chances of immediate approvals. Keep regular track of your credit score and solve the discrepancies if any.
- Ensure Stable Income If you have a consistent income, your chances of getting instant loan approval become high. Manage your income sources properly and make sure you have a stable income source
- Avoid Multiple Loan Applications Submitting loan applications to multiple lenders can negatively impact your credit score. Keep the focus on one application at a time, which will improve your chances of approval.
- Clear Existing Loan If you have an existing loan while doing a loan application then try to pay off the debts.
- Apply for the Right Loan Amount Avoid applying for a loan amount that may exceed your eligibility. Always use an online Personal Loan eligibility calculator. It helps you find the right loan amount based on your income and ability to repay.
Why Choose Piramal Finance for an Instant Personal Loan?
- Trusted NBFC with 10,00,000+ Happy Customers
- Fully Digital Process for Instant Loan Approval
- No Hidden Charges, Transparent Loan Offers
- Expert Support throughout the Loan Process
- Wide Network of Branches across India
Frequently asked questions
An Instant Personal Loan at Piramal Finance is a fast and easy way to get money. It can help with many needs, like weddings, home repairs, travel, or medical emergencies.
You can apply online with little paperwork. Enjoy fast approvals and quick disbursals of up to ₹25 Lakh.
Get a Personal Loan from the Nearest Piramal Finance Branch
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