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?

The different eligibility criteria that you need to fulfill to get a Personal Loan are as follows:


To apply for a personal loan, applicant must be between 21 and 58 years of age.

Employment Status

Applicant working in public sector and private sector companies are considered eligible for a personal loan.

Credit Score:

We at Piramal Finance offer Personal Loan to the applicants with credit score of 750 and more.

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

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

Whatsapp me this document list

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 get credited to your verified bank account

Fees & Charges

Get a loan at competitive fees & Interest rates. Below is the table for our fees and charges –

Features & FeesDetails
Interest Rates12.99%* p.a. onwards
Loan Amount₹ 25,000 to ₹ 5,00,000
Processing FeesUpto 5% of loan amount + applicable taxes
Loan Tenure3 - 60 months tenure
Part Pre-Payment of Personal Loan3% of principal outstanding + GST
Personal Loan Pre-Closure Charges3% of principal outstanding + GST
Stamp DutyAt actuals + Applicable taxes
Cash/ Overdue EMI/PEMII collection Charges₹ 500 + applicable taxes
EMI Date Change₹ 1000 + applicable taxes
Loan Repayment Instrument Dishonor Charges₹ 750
Loan cancellation after disbursal/cheque handover₹ 3,000 + Interest accured & due + 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.

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
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 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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