Surat is one of the most vibrant cities in Gujarat, and getting a personal loan here to meet your financial needs can be tricky. Thankfully, it is now easier than ever before to get the best-suited loan for your requirements. Piramal Finance has a range of personal loans in Surat that you can choose from. These loans are designed to meet your needs and provide you with the funds quickly, so you don’t have to worry about getting into debt or facing financial constraints.

Benefits of Personal Loan in Surat

Loan Amount Limit

When you take a Personal loan in Surat, you can borrow any amount between Rs. 1 lakh to Rs. 10 lakhs. This can help you and your family with all their financial needs

Attractive Interest Rates

The personal loan interest rates in Surat for salaried and self-employed individuals start at 12.99*% p.a. We offer reasonable and competitive interest rates based on the customers’ profiles and convenience.


Everyone wants to get the loan amount disbursed into their bank account as soon as possible, and Piramal Finance understands that. Get an instant personal loan in Surat from Piramal Finance. Once the loan is approved, we will disburse the amount within the next few minutes

Hassle-Free Documentation Process:

We at Piramal Finance offer a seamless and hassle-free customer experience in terms of paperwork and documentation. You can apply for an instant personal loan in Surat within seconds on our personal loan page and submit all documentation in PDF format within seconds

Documents Required for a Personal Loan in Surat

Here are some important documents you need to submit as part of the loan process:

SalariedSelf Employed
Last 1 months' salary slip, stating employer's name, salary break up, and bank detailsBusiness registration certificates issued by government authorities such as GST certificates, Shop and Establishment licenses, etc.
Valid identity proof such as Aadhaar card/Voter’s ID/Driving License/PassportLast 3 years Income Tax Return along with computation of Income, Balance sheet, and Profit & Loss Account statement certified by a Chartered Accountant
Latest 3 months Bank statementLatest 3 months Bank statement
Form 16 or Income tax return (ITR) for the last 2 years, if applicable.Proof of continuity of business i.e., the partnership deed or proprietorship letter etc. in case of self-employed professional for more than 1 year, if applicable

Eligibility Criteria for a Personal Loan in Surat

To be eligible for this loan, applicants must meet the following criteria:

  • You should be an Indian citizen to apply for a Piramal Finance personal loan in Surat.
  • Your age should range between 21 years to 58 years.
  • You must have an ongoing employment status in either the public or private sector.
  • If you’re a resident of Surat, your monthly income should be no less than INR 15,000.

How to Apply for a Personal Loan in Surat

If you're looking for a fast personal loan in Surat, Piramal Finance's physical branches have covered you. All it takes is your documents and the application form, and you'll be on your way! However, if speed is important to you, why not try our online portal? Our user-friendly website will ensure that your needs are sorted faster than ever!

Here are the steps to follow when applying for a personal loan from Piramal Finance:

Step 1: Check Your Eligibility

Before filling out the application form, ensure you’re eligible for our personal loan. Check the eligibility criteria on our website and if you are eligible, proceed to the next step.

Step 2: Fill Out the Application & Submit It

Fill out all the necessary information, including your professional, personal, and income details. Ensure you fill in the correct information, as any wrong input will result in rejection. Once done, submit it.

Step 3: Submit Documentation

Scan and upload all the necessary documents required for the personal loan application. Submit documents such as your income, photo ID, and address proof.

Step 4: Verification

Once you submit the application and documents, wait for the experts at Piramal Finance to assess and verify them.

Step 5: Approval & Disbursal

Once the verification is done, we will approve your application and disburse the personal loan amount on the same day.

Personal Loan Interest Rate in Surat

Are you on the hunt for a personal loan in Surat? Piramal Finance has got your back! Our extremely competitive annual interest rates start from just 12.99*%pa, and we guarantee that there are no hidden costs whatsoever. Here at Piramal, transparency is key - which is why our processing fee will always be shown to customers upfront, so they won't have any surprise payments waiting for them once their loan period ends. We pride ourselves on offering fairness and justice with our commercial practices.

Piramal Finance is devoted to supplying the lowest personal loan interest rates in Surat. We have customized our interest charges to meet your unique needs, including your credit score, income, and current job status – so you can rest assured that repayment will be easy!

Uses of Personal Loans in Surat

In Surat, Personal Loans from Piramal Finance are a great way to meet your financial needs. Here are the main uses of personal loans in Surat:

Home Renovation

A personal loan can fund home renovation projects such as adding a room, installing new flooring, or remodeling the kitchen. By taking out a personal loan for these expenses, you can avoid draining your savings account or using a credit card with high-interest rates.

Debt Consolidation

If you have multiple debts, such as credit cards, car loans, or other debts, you can use a personal loan to consolidate them into one easy payment. This way, you don’t have to worry about managing multiple payments each month, and it simplifies your debt repayment schedule.

Education Expenses

You can use a personal loan to cover educational costs such as tuition fees, books, and supplies. This is a great alternative to student loans, which often have higher interest rates and longer repayment periods.

Medical Expenses

If you’re facing an unexpected medical emergency or need to pay for ongoing medical treatment, taking out a personal loan can help cover the costs. This type of loan is also useful for funding expensive surgeries that health insurance may not cover.


A personal loan can fund your dream getaways without draining your bank account in one go. Since personal loans often have lower interest rates than credit cards, it makes sense to take out a loan instead of charging the entire cost on a card with high-interest rates.

Nearest Branches of Piramal Finance where you can visit and apply for a Personal loan in Surat

Ring Road
The Ring Road branch of Piramal Finance is located at B503 & 504 at the International Commerce Centre. If you want to reach here, the best way is to take a bus from the Surat Ring Road Bus Stop to this branch. Loan applicants can easily avail themselves of the personal loan in Ring Road and can expect quick disbursal
The Adajan branch of Piramal Finance is located at No. 203 & 204, Raj Arcade. The right way to reach the branch is to use NH 8. The area has many bus stops and auto rentals available, making it easy for customers to get there quickly. Also, getting a personal loan in Adajan is the best option, as they offer competitive interest rates, flexible repayment options, and minimal documentation.

Frequently asked questions

Who can avail of a Personal Loan in Surat?
piramal faqs

How much can I access when I apply for a personal loan in Surat?
piramal faqs

What is the maximum Personal Loan in Surat you are eligible for?
piramal faqs

Why should you select Piramal Finance Personal Loan in Surat?
piramal faqs

How can I calculate Personal Loan EMIs?
piramal faqs

How long does it take to get a personal loan in Surat?
piramal faqs