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Piramal Finance Personal Loan

Piramal Finance Ltd offers personal loans @11.99% p.a. onwards for loan amounts of up to Rs 25 lakhs and repayment tenures of up to 5 years. The Piramal Finance provides instant personal loans to loan applicants for taking care of expenses related to wedding, travel, home renovation, education, etc. Loan applicants can avail Piramal Finance Personal Loans with minimal documentation and quick loan disbursal. Piramal Finance has also partnered with Paisabazaar to offer pre-qualified personal loans to its select customers.

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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 ₹40L
Rate of Interest9.99% - 17.15%
Tenure upto1-5 Years
Processing Fee1% - 1.5%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest10.5% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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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

  • Interest rates: 11.99% p.a. onwards
  • Loan amount: Up to Rs 25 lakh for personal loans
  • Loan tenure: Up to 5 years
  • 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 11.99% 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

Penal Charges– 24% p.a. (2% p.m.) on EMI defaults from the date of default till the date of actual payment
– 2% p.m. on the outstanding amount for the non-compliance of the terms and conditions for the period beginning the date of such non-compliance until the same is rectified per 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

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: 12.99% 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: 12.99% 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: 12.99% 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: 12.99% 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: 12.99% 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: 12.99% 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: 12.99% 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: 12.99% p.a. onwards

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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 11.99% p.a. onwards 11.50% p.a. onwards 9.99% p.a. onwards 10.60%-16.50% p.a.
Processing Fee Up to 5% of the loan amount Up to 4% of the loan amount Up to 2% of the loan amount 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

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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

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FAQs

The interest rate on personal loans from Piramal Finance starts at 11.99% p.a., depending on your credit score and other ascepts of your credit profile.

Piramal Finance offers personal loans ranging from Rs 25,000 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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Personal Loan

Maine Paisabazaar se personal loan apply kiya or Jaldi approval bhi mil gaya aur zyada documents bhi nahi lage.

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I was looking for Personal loan and came across this platform. I applied online and received multiple loan offers instantly and got a pre-approved offer, and the amount was disbursed within 48 hours.

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Loan for Home Renovation

Do din pehle maine apne purane ghar ki renovation ke liye Paisabazaar se loan apply kiya. Process kaafi easy aur smooth tha. Aaj subah mujhe message aaya ki mera loan approve ho gaya hai.

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Got a personal loan via Paisabazaar—super easy & quick! Kunal from sales was super helpful, explained everything well. Highly recommend! ?

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Loan for Medical Emergency

Mujhe ekdum urgent medical emergency ke liye paise chahiye the. Paisabazaar se loan liya, aur honestly, sab kuch ekdum smooth tha! Process fast tha, team helpful thi, aur paise bhi jaldi mil gaye

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Paisabazaar se pre-approved personal loan jadi milgya.. Or 48 hours mai paisa account mai agya.. Team is very helpful

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Good experience with Paisabazaar! Loan approval hua within 48 hours aur rates bhi kaafi reasonable the.

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Last updated: 31 August, 2025

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