Piramal Finance Personal Loan

100% Digital Borrowing Process

Highest Approval Chances

End-to-End Expert Assistance

Disbursal in as less as 24 hours

100% Digital Borrowing Process

Highest Approval Chances

End-to-End Expert Assistance

Disbursal in as less as 24 hours

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800+Cities across India

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Google Play Store

4.5_/5

15.5L Reviews

51M+Satisfied Customers

65+Lending Partners

800+Cities across India

Find Best Personal Loan Offers

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HDFC Bank

10 Second Disbursal*100% Digital Process*Quick Disbursal

Max Loan Amt.Upto ₹25L

Rate of Interest9.99% - 12.5%

Tenure upto1-5 Years

Processing Fee₹ 6,500

Axis Bank

Low Processing fee

Max Loan Amt.Upto ₹25L

Rate of Interest9.99% - 17.15%

Tenure uptoUpto 6 Years

Processing FeeUpto 2%

Kotak Mahindra Bank

Lowest Income requirement100% Digital Process*

Max Loan Amt.Upto ₹25L

Rate of Interest9.98% - 17.2%

Tenure upto1-5 Years

Processing Fee1.1% - 1.5%

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About Piramal Finance Personal Loan

Piramal Finance Personal Loan Highlights

Piramal Finance Personal Loan Interest Rates

Fees and Charges

Why Choose Paisabazaar?

Compare & Choose the Best Offer

Pre-approved Offers with Instant Disbursals

Know Your Chances of Approval

End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

About Piramal Finance Personal Loan

Piramal Finance personal loans are offered at competitive rates to meet personal financial needs.
Applicants can avail a loan amount of up to Rs. 25 lakh for a tenure of up to 5 years.
Consumers can experience a fully digital, end-to-end personal loan journey on the Paisabazaar platform.
The loan approval depends on the applicant’s repayment capacity and creditworthiness.
Piramal Finance personal loans come with instant approval and are disbursed within 24 hours.
These loans require no collateral, need minimal documentation and come with zero hidden charges.

Piramal Finance Personal Loan Highlights

Interest rates	12.14% p.a. onwards
Loan amount	Rs. 50,000 to Rs. 25 lakh
Loan tenure	9 to 60 months
Processing Fees	Up to 5% of the total loan amount plus applicable taxes

Piramal Finance Personal Loan Interest Rates

Piramal Finance Personal Loan interest rates start from 12.14% p.a. onwards. Although Piramal Finance has not disclosed offering different personal loan interest rates for its loan applicants based on factors like credit scores, monthly income, occupation profile, employer’s profile, etc., most lenders consider these factors while setting the personal loan interest rates of their loan applicants.

Fees and Charges for Availing Piramal Finance Personal Loan

The processing fees and other charges for availing Piramal Finance Personal Loans are as follows:

Processing Fees

Loan Product	Interest Rates (p.a.)
Processing fees	Up to 5% of the total loan amount plus applicable taxes
Application/login processing fees (Non-refundable)	Rs 3,500 + applicable taxes

Prepayment/Foreclosure Charges

Loan Product	Interest Rates (p.a.)
Part-prepayment/pre-closure charges	Up to 3% of principal outstanding plus applicable GST
Loan Pre-Closure Statement	NIL

Other Charges for availing personal loans from Piramal Finance

Loan Product	Interest Rates (p.a.)
Admin Charges	Up to Rs 5,000
EMI date change	Rs 1,000
EMI/PEMII collection charges (Only for NPDC cases)	Rs 500 plus applicable taxes per month (excluding the first 3 months from the date of disbursement)
Rate of Interest conversion charges	0.50% of the Loan outstanding + applicable taxes
Loan repayment instrument dishonor charges	Rs 750 per instance
CERSAI charges	Rs 500 plus applicable taxes
Documentation Charges	Up to Rs 1,000 plus Interest accrued & due
Repayment schedule (applicable only for physical copies)	Rs 500 plus applicable taxes
Change of loan repayment mode	Rs 500 plus applicable taxes
Statement of Account Charges (Only applicable for the physical copy of the statement)	Rs 500 plus applicable taxes
Loan cancellation after cheque handover	Rs 3,000 plus Interest accrued & due plus applicable taxes
Duplicate No Due Certificate/NOC issuance charges	Rs 500 plus applicable taxes

Check: Personal Loan Processing Fees and Charges

Avail Personal Loan For
All Your Needs

Types of Piramal Finance Personal Loan

Personal Loan for Marriage

Purpose: Piramal Finance offers personal loans to loan applicants to manage their marriage related expenses. Piramal Finance claims to disburse the loan within 1 working day.
Interest Rate: 12.14% p.a. onwards
Loan Tenure: Up to 5 years

Personal Loan for Travel

Purpose: Piramal Finance offers travel personal loans to applicants for vacation packages, holiday trips and other travel related expenditures.
Interest Rate: 12.14% p.a. onwards
Loan Tenure: 3 months to 5 years

Personal Loan for Emergency

Purpose: The lender offers personal loans to loan applicants, for planned medical expenses as well as for unplanned medical emergencies, with loan disbursal on the same working day.
Interest Rate: 12.14% p.a. onwards
Loan Tenure: 3 months to 5 years

Personal Loan for Festival

Purpose: The lender provides festival loans to fund festival-related expenditures.
Interest Rate: 12.14% p.a. onwards
Loan Tenure: Up to 5 years

Personal Loan for Women

Purpose: Piramal Finance provides personal loans for women to meet their financial needs like weddings, travel, higher education, debt consolidation, business-related expenses or other unplanned emergencies.
Interest Rate: 12.14% p.a. onwards
Loan Tenure: Up to 5 years

Personal Loan for Salaried

Purpose: The lender provides personal loans to salaried applicants for personal or business-related expenses with instant loan approval and disbursal for pre-approved customers.
Interest Rate: 12.14% p.a. onwards
Loan Tenure: Up to 5 years

Personal Loan for Home Renovation

Purpose: The lender offers personal loans for home renovation which can be used for painting, repairs, extension, flooring, remodeling and other variety of purposes. Piramal Finance claims to disburse the loan within 48 hours of loan application approval.
Interest Rate: 12.14% p.a. onwards
Loan Tenure: Up to 5 years

Personal Loan for Education

Purpose: Piramal Finance provides personal loans for education to meet their education-related expenses like books, living costs, tuition and course materials.
Interest Rate: 12.14% p.a. onwards

Eligibility Criteria for Availing Piramal Finance Personal Loan

The personal loan eligibility criteria set for loan applicants availing Piramal Finance Personal Loans are as follows:

Personal Loan for Marriage

Applicants aged between 21 to 58 years.
Applicant should work in public or private sector companies.
Loan applicants with credit scores of 750 and above have higher chances of availing Piramal Finance Marriage Loans.

Personal Loan for Home Renovation

The lender offers personal loans for home renovation to applicants aged 21 years to 58 years.
Both salaried and self-employed applicants are eligible for personal loans for home renovation.
Loan applicants with credit scores of 750 and above have higher chances of availing Piramal Finance Personal Loan.

Personal Loan for Emergency

Prospective loan applicants aged 21 years to 58 years are eligible for personal loans for emergency from Piramal Finance. However, the NBFC offers loan to applicants aged 50 to 60 years of age but with a higher personal loan interest rate.
Applicants working in public or private sector companies are eligible for the loan. The self employed applicants of minimum 1 year of business activity can also apply for personal loans for emergency.

Personal Loan for Festival Loan

The applicant should be an Indian citizen of aged 21 to 58 years.
The applicant should work in a public or private sector company.
The applicant should have a minimum income of Rs 15,000.

Personal Loan for Women

Salaried/self-employed applicants aged between 21 to 58 years are eligible for availing personal loan for women.
The loan applicants should have credit scores of 700 and above.
The minimum monthly income for both loan applicants availing Piramal Finance Personal Loan for Women is Rs 15,000.

Personal Loan for Salaried

Prospective loan applicants aged 21 years to 58 years are eligible for availing personal loans for salaried from Piramal Finance.
Salaried applicants working in the public or private sector are eligible.
Loan applicants with credit scores of 750 and above have higher chances of availing Piramal Finance Personal Loans for Salaried.
The minimum monthly income for applicants availing Piramal Finance Personal Loan for Salaried is Rs 15,000.

Personal Loan for Education

Applicants aged between 21 to 58 years are eligible for availing education loan.
Prospective borrowers working in public and private sector companies are eligible.
The loan applicant should also have a credit score of 750 and above.

Piramal Finance Personal Loan Documentation Required

The personal loan documents required for loan applicants availing Piramal Finance Personal Loans are mentioned below:

KYC Documents	Aadhaar Card, PAN Card, Voter ID/Passport
Income/Salary Proofs	Bank Statements & Salary Slips for the last 3 months

How to apply for Piramal Finance personal loan online?

You can apply for a personal loan from Piramal Finance through their website or through Paisabazaar’s website. Piramal Finance has partnered with Paisabazaar to offer pre-qualified personal loans to its select customers. On Paisabazaar, you can compare Piramal Finance offers with other partners and benefit from expert advice that help you access a personal loan at the best interest rates and easy digital processes.

Piramal Finance Customer Care Details

You can contact Piramal Finance customer care via:

Toll Free Number: 1800 266 6444 from 9 am to 6:30 pm. Not available on Sunday and Public Holidays
Email: customercare@piramal.com
Branch: Timings – 10 am to 4 pm. Closed on national holidays, all sundays and 1st & 2nd Saturday
Whatsapp: You can navigate to support section of Piramal Finance’s website and scan the QR code to start conversation

Piramal Finance Personal Loan vs Other Personal Loan Providers

NBFCs	Piramal Finance	Tata Capital	Axis Bank	ICICI Bank
Rates	12.14% p.a. onwards	11.99% p.a. onwards	9.99% p.a. onwards	11% p.a.
Processing Fee	Up to 5% of the loan amount	Up to 1.25% of the loan amount	1% - 1.5%	Up to 2% of the loan amount
Max. Loan Amount	Up to Rs 25 lakh	Up to Rs 35 lakh	Up to Rs 10 lakh	Up to Rs 50 lakh
Min. Monthly Salary Required	Rs 20,000	Rs 15,000	Rs 15,000 for Axis Bank customers; Rs 25,000 for non-Axis Bank customers	Rs 30,000

Swipe to see more table data

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Explore Our Personal Loan Lenders

Avail Personal Loan For
All Your Needs

FAQs

The interest rate on personal loans from Piramal Finance starts at 12.14% p.a., depending on your credit score and other ascepts of your credit profile.

Piramal Finance offers personal loans ranging from Rs 50,000 to Rs 25 lakh, depending on your occupation profile, income, credit score, etc.

Piramal Finance offers personal loans to individuals aged between 21 to 63 years. Eligible applicants include salaried employees (both private and government) with a minimum monthly salary of Rs 20,000, and self-employed individuals with an annual income of a minimum Rs 3 lakh. The NBFC has set a credit score requirement of 700 and above.

The documents required for a Piramal Finance personal loan include bank statements and salary slips for the past 3 months. For KYC verification, you will need to provide Aadhaar card, PAN card, and either a Voter ID or Passport.

The EMI for a Rs 5 lakh personal loan depends on the interest rate and loan tenure. For example, for a loan amount of Rs 5 lakh with an interest rate of 13.50% p.a. and a tenure of 5 years, the estimated EMI would be approximately Rs 11,505.

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What our customers say

Loan from Paisabazaar was actually paperless

I always used to think that the paperless loan is a myth. But on Paisabazaar, I applied for the pre approved loan from IDFC Bank and all documentation was already done. I just filled the form, did kyc and my loan was approved and disbuursed one the same day.

Tanmay BorkatakiDec 12, 2025

Best place for a small loan

I have take loan of 60-70000 three times from paisabazaar in 4 years and every time it has been a very good experience. They provide the loan without failure and have also helped me improve my cibil.

Aridaman Singh ParhichaDec 11, 2025

My loan got approved immediately

I wanted a loan and I was able to get it approved through Paisabazaar. It was instantaneous and I got the amount in my account in 2 days only.

Priyam Sarkar MajumdarDec 10, 2025

I get loan from here

I get loan from Paisabazaar here and it is very quickly given to me.

Bilal ZaidiDec 9, 2025

Excellant EMI calculator and expert assistance available

The EMI calculator helped me choose the right repayment plan. Clear guidance at every step made the loan process really easy.

Mohit YadavDec 3, 2025

Fully Digital Process for Real.

Loved the real-time loan status updates.Everything was handled online — didn’t have to visit any branch.

Gautam BakshiDec 3, 2025

Lower Rate than My Own Bank

Got a lower interest rate than my bank was offering.Smooth digital verification and quick disbursal.

Shivani SuryaDec 3, 2025

Pre-approved offers with quick approval

I liked how Paisabazaar showed pre-approved offers without affecting my credit score. Customer support was prompt and helped me close the loan quickly.

Suraj VermaDec 3, 2025

Same day approval. wow.

The loan was approved the same day — super smooth and transparent process.

Shiv KumarDec 3, 2025

Best Loan Terms on My Credit Score in the Market

Paisabazaar helped me get a loan even with a borderline credit score. Really impressed with how smooth everything was.

SunnyDec 3, 2025

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Written By

Vandana Punj

Reviewed By

Shamik Ghosh

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Piramal Finance Personal Loan