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

Key Features

Loan amount

₹ 25 Thousand - ₹ 12 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)

Who Can Apply for Personal Loan Online?

Salaried people with a minimum monthly salary of ₹15,000/- can apply for an instant loan.

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

  • Personal Loan Eligibility Calculator

Your Personal loan EMI is
Principal amount
Interest amount

Digital Documents for Instant Loan

Simple Digital Documentation is required to get an Instant Loan, which may differ based on the profession/occupation of the applicant. Check the complete list of the documents required for personal loan.

KYC Documents

Proof of Identity & Address

Income Documents

Proof of Income

Whatsapp me this document list

How to apply for an Instant Personal Loan Online?

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
  • Instant loan will get credited to your verified bank account

Fees & Charges for Personal Loan

Features & FeesDetails
Personal Loan Interest Rates12.99%* p.a. onwards
Loan Amount₹ 25,000 to ₹ 12,00,000
Processing FeesUp to 5% plus applicable taxes
Loan Tenure12 - 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
Loan Cancellation after DisbursementInterest accrued & due plus applicable taxes
Loan Repayment Schedule (applicable for physical copies only)₹ 500 plus applicable taxes
Change of Loan RepaymentMode₹ 1000 plus applicable taxes

Types of Personal Loan

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 loan by amount starting from ₹ 25,000 up to ₹ 12,00,000. Please check the below-mentioned options.

Benefits of Personal Loan at Piramal Finance

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 Foreclosure 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 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 personal loan structure that suits your requirements. We empower a lot of flexibility in the 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
Loans Sanctioned
Loan Disbursed
1,250 Cr+
Active Customers

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 personal loan?
piramal faqs

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

How to calculate Your Personal Loan EMI?
piramal faqs

What is a pre-approved loan?
piramal faqs

How to Track Personal Loan Application status?
piramal faqs

What happens if a personal loan is not paid?
piramal faqs

Is there any option to get the foreclosure charges waived?
piramal faqs

Is there a 12-month lock-in period for pre-closure?
piramal faqs

Is the interest rate on Personal Loan flat or reducing?
piramal faqs

Recommended Articles

Read All