style
modal-overlay, dp-none
Home,Instant Personal Loan Online
~,~personal-loan
teaser, teaser-block-six, --coral, --skyblue

Instant Personal Loan Online

We offer personal loans to let you pursue your dreams with no worries. Apply online and get up to 25 Lakh with a quick application process.
style
rm-apply-btn-in-mob, breadcrumb-handle, banner-carousel--wrapper, rm-apply-btn-in-mob,banner-description-align,banner-scale-img,camp-btn,mb-70,mob-mb-40

Key Features of Our Instant Personal Loan

Loan Amount

Loan Amount

₹50,000 to ₹25 Lakh

Loan Tenure

Loan Tenure

9 to 60 months

Low Interest Rates

Low Interest Rates

Starting at 12.9% p.a. for personal loan and 14% p.a. for instant loan

Instant Approval & Disbursal

Instant Approval & Disbursal

Get your loan approved in minutes, disbursed in 24 hours

100% Digital Process

100% Digital Process

Apply, verify, and track your loan application online

No Collateral Required

No Collateral Required

Unsecured personal loan & instant loan options

Dedicated Assistance

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

Custom Loan Options

You can choose your loan amount and tenure to manage your financial goals effectively.

No Hidden Charges

No Hidden Charges

We make sure there are no hidden costs. The information clearly explains everything before you apply for the personal loan.

style
choose-us-css, choose-us-2-col, home-loan-finance--wrapper, page-container,mb-70,mob-mb-40
/api/personal-loan-combined-calculator.json
/api/apply-form-loan.json
style
home-page-calculator-call-xf,mb-70,mob-mb-40

Personal Loan Customer Review

https://www.youtube.com/embed/rojiSiRND30?si=gmykoTszraCUM_c5
style
Eligibility Criteria Wrapper, page-container,mb-70,mob-mb-40

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.

style
Eligibility Criteria Wrapper, page-container,mb-70,mob-mb-40,List Content Wrapper

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.

style
Eligibility Criteria Wrapper, page-container,mb-70,mob-mb-40,List Content Wrapper

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.

style
Eligibility Criteria Wrapper, page-container,mb-70,mob-mb-40,List Content Wrapper

Documents Required for Instant Loan Application

We ensure you have minimal documentation and provide end-to-end guidance in the documentation process.

  • Row 1

    • KYC Documents
    • Income/ Salary Proofs

  • Row 2

    • Aadhaar Card & Pan Card
    • Bank Statement for the Previous 3 Months

  • Row 3

    • Voter ID & Passport
    • Salary Slips of the Last 3 Months
style
fees-charges--wrapper, page-container,mb-70,mob-mb-40

Personal Loan Types We Offer We offer a variety of personal loan options to meet your every financial need.

/personal-loan/home-improvement-loan

Home Renovation Loan

A home renovation loan gives you funds for home repairs, improvements and upgrades.

home-improvement
arrow
/personal-loan/home-improvement-loan
/personal-loan/marriage-loan

Wedding Loan

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

prersonal-loan-wedding
arrow
/personal-loan/marriage-loan
/personal-loan/travel-loan

Travel Loan

Finance your dream vacation and cover all your travelling expenses.

personal-travel
arrow
/personal-loan/travel-loan
/personal-loan/car-loan

Car Loan

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

personal-loan-buy
arrow
/personal-loan/car-loan

View More

/personal-loan/emergency-loan

Emergency Loan

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

/personal-loan/emergency-loan
/personal-loan/festival-loan

Festival Loan

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

/personal-loan/festival-loan
/personal-loan/loan-for-women

Loan for Women

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

/personal-loan/loan-for-women
/personal-loan/loan-for-salaried

Loan for Salaried Employees

Get quick financial support to meet your instant financial needs.

/personal-loan/loan-for-salaried
/personal-loan/loan-for-education

Education Loan

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

/personal-loan/loan-for-education
/personal-loan/bike-loan

Personal Loan for Bike

Get instant funds to buy a two-wheeler with flexible tenures.

/personal-loan/bike-loan
style
home-loans-products-single-card,home-loans-products--wrapper,home-loans-single-products-wrapper ,personal-loan-products-wrapper,page-container, view-more-less-js, mb-70, mob-mb-40

Personal Loan Amount Options

Get a quick loan from ₹50,000 to ₹25 Lakh.

/personal-loan/50000-personal-loan
Loan for:
50,000
/personal-loan/1-lakh-personal-loan
Loan for:
1,00,000
/personal-loan/2-lakh-personal-loan
Loan for:
2,00,000
/personal-loan/3-lakh-personal-loan
Loan for:
3,00,000
/personal-loan/5-lakh-personal-loan
Loan for:
5,00,000
/personal-loan/10-lakh-personal-loan
Loan for:
10,00,000
style
rupee-cards-wrapper, page-container, mb-70, mob-mb-40

Personal Loan Interest Rates & Charges

  • Row 1

    • Feature & fees
    • Details

  • Row 2

    • Loan Amount
    • Min ₹ 50,000 to max ₹ 25,00,000

  • Row 3

    • Interest Rates
    • 12.9%* p.a onwards

  • Row 4

    • Loan Tenure
    • 9 - 60 months tenure

  • Row 5

    • Processing Fees
    • Up to 5% of the loan amount + applicable taxes

  • Row 6

    • Pre-Closure & Part Payment Fee
    • 3% of the principal amount + applicable taxes

  • Row 7

    • Part Pre-Payment of Personal Loan
    • 3% of Principal Paid+ GST

  • Row 8

    • Personal Loan Pre-Closure Charges
    • 3% of Principal Outstanding + GST

  • Row 9

    • Stamp Duty
    • At actuals + Applicable taxes

  • Row 10

    • Cash/ Overdue EMI/PEMII collection Charges
    • ₹ 500 + applicable taxes

  • Row 11

    • EMI Date Change
    • ₹ 1000 + applicable taxes

  • Row 12

    • Loan Repayment Instrument Dishonor Charges
    • ₹ 750

  • Row 13

    • Loan cancellation after disbursal/cheque handover
    • ₹ 3,000 + Interest accrued & due + Applicable taxes
style
fees-charges--wrapper, page-container,mb-70,mob-mb-40

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.

style
Eligibility Criteria Wrapper, page-container,mb-70,mob-mb-40,List Content Wrapper

Why Choose Piramal Finance for an Instant Personal Loan?

style
Eligibility Criteria Wrapper, page-container,mb-70,mob-mb-40,List Content Wrapper

Frequently asked questions

What is an Instant Personal Loan at Piramal Finance?

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.

What is the minimum and maximum amount I can borrow with a personal loan from Piramal Finance?
You can borrow a minimum of ₹50,000 and up to ₹25 Lakh, depending on your eligibility and credit profile.
How long does it take to get the loan approved and disbursed?
With the Piramal Finance digital application, personal loans are approved in minutes. The money is given within 24 hours.
Do I need collateral for an Instant personal loan?
No, instant personal loans are unsecured loans which means you do not have to pledge any collateral or assets.
Can I apply for an instant personal loan if I already have another loan?
Yes, you can apply for the instant loan even if you have an existing loan. However, your debt-to-income ratio should be within the acceptable limits.
What is the loan tenure and interest rate for a personal loan from Piramal Finance?
You can choose a flexible loan tenure ranging from 9 to 60 months. Competitive Interest rates start at 12.9% per annum, subject to your eligibility and loan terms.
Is it mandatory to have a good credit score for a personal loan?
A good credit score increases your chances of loan approval and helps you secure lower rate of interest. At Piramal Finance, they consider a credit score of 750 or above ideal for a personal loan. If your credit score is low, you can improve it. A higher score helps you get loans more easily.
What is the debt-to-income ratio and how does it affect loan approval?
The debt-to-income ratio represents the percentage of your income that you use for repaying debts. A lower ratio increases your loan eligibility
style
faq-section--wrapper, faq-accordion-css-with-orange-heading, page-container

Get a Personal Loan from the Nearest Piramal Finance Branch

/api/personal-loan-cities.json
style
metro-cities--wrapper,personal-loan-metro-cities, page-container,mb-70,mob-mb-40

To know more about loans, processes and much more

secondary
rotate-off
Two
teaser, light, left
teaser, light, left
teaser, light, left
teaser, light, left
teaser, light, left
/content/dam/default-teaser-banner.png
teaser, light, left

Read All

style
Carousel Articles Wrapper, page-container,read-all-dl,mb-70,mob-mb-40, carousel-3pt5

Apply Loan Now

style
mobile-sticky--button,camp-btn
{ "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.piramalfinance.com" }, { "@type": "ListItem", "position": 2, "name": "Personal Loan", "item": "https://www.piramalfinance.com/personal-loan" } ] }
{ "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "How much can I borrow through a Personal Loan?", "acceptedAnswer": { "@type": "Answer", "text": "You can borrow personal loans up to ₹25 Lakh. The exact loan amount eligibility depends on various factors." } }, { "@type": "Question", "name": "What is the minimum income needed to apply for a personal loan?", "acceptedAnswer": { "@type": "Answer", "text": "Your monthly income should be a minimum of ₹20,000 to apply for the personal loan." } }, { "@type": "Question", "name": "What are the documents required for the personal loan application?", "acceptedAnswer": { "@type": "Answer", "text": "You need KYC documents such as an Aadhaar Card, PAN Card, Passport, or Voter ID along with employment and salary proof." } }, { "@type": "Question", "name": "What is the interest rate for a personal loan?", "acceptedAnswer": { "@type": "Answer", "text": "Piramal Finance offers an interest rate of 12.9% p.a. The rate may vary based on credit score, income, and repayment capacity." } }, { "@type": "Question", "name": "Can self-employed individuals apply for personal loans?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, self-employed individuals can apply for a loan by meeting the annual income eligibility criteria." } }, { "@type": "Question", "name": "Can I repay my loan before the loan tenure ends?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, you can repay the loan before the tenure ends by paying a prepayment or foreclosure fee." } }, { "@type": "Question", "name": "How much is the prepayment or foreclosure fee for Personal Loan?", "acceptedAnswer": { "@type": "Answer", "text": "The prepayment or foreclosure charges are 3% of the remaining principal amount." } }, { "@type": "Question", "name": "How much is the personal loan tenure?", "acceptedAnswer": { "@type": "Answer", "text": "You can choose the loan tenure between 12 to 60 months." } }, { "@type": "Question", "name": "How much are the personal loan processing fees?", "acceptedAnswer": { "@type": "Answer", "text": "Loan processing fees are up to 5% of the total personal loan amount." } }, { "@type": "Question", "name": "Can I apply for a personal loan online?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, you can apply online through the official Piramal Finance website." } }, { "@type": "Question", "name": "Is it mandatory to have a good credit score for a personal loan?", "acceptedAnswer": { "@type": "Answer", "text": "A good credit score improves your chances of approval and lower interest rates. A score of 700 or above is considered ideal at Piramal Finance." } }, { "@type": "Question", "name": "Are there any tax benefits on personal loans?", "acceptedAnswer": { "@type": "Answer", "text": "Personal loans typically do not offer tax benefits. However, if used for home improvements or business investment, you may be eligible for certain tax deductions." } }, { "@type": "Question", "name": "Can I choose my EMI payments?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, you can choose your EMI payments by selecting a suitable loan tenure. Longer tenures mean lower EMIs." } }, { "@type": "Question", "name": "Is there a penalty for late EMI payments?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, a penalty is charged for late EMI payments. Setting reminders or enabling auto-debit can help avoid this penalty." } }, { "@type": "Question", "name": "What is the debt-to-income ratio and how does it affect loan approval?", "acceptedAnswer": { "@type": "Answer", "text": "The debt-to-income ratio is the percentage of your income that goes into repaying debts. A lower ratio improves your loan eligibility." } } ] }
{ "@context": "https://schema.org", "@type": "LoanOrCredit", "name": "Piramal Finance Personal Loan", "url": "https://www.piramalfinance.com/personal-loan", "description": "Apply for Personal Loan with flexible repayment terms and competitive interest rates.", "provider": { "@type": "FinancialService", "name": "Piramal Finance", "url": "https://www.piramalfinance.com" }, "loanType": "Personal Loan", "amount": { "@type": "MonetaryAmount", "currency": "INR", "minValue": 50000, "maxValue": 1000000 }, "annualPercentageRate": { "@type": "QuantitativeValue", "minValue": 12.5, "maxValue": 24.0, "unitText": "PERCENT" }, "loanTerm": { "@type": "QuantitativeValue", "unitCode": "MON", "maxValue": 60 }, "requiredCollateral": "No collateral required.", "termsOfService": "https://www.piramalfinance.com/personal-loan" }