- 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

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Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2.5%
Max. Loan Amount₹2 Crore
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2.5%
Max. Loan Amount₹2 Crore
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹4999+GST
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹4999+GST
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹40 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹40 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹12999+GST
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹12999+GST
Max. Loan Amount₹50 Lakh
Processing Time1 - 2 Days
Interest Rate10% onwards
Processing FeesUpto 1.2%
Max. Loan Amount₹75 Lakh
Processing Time1 - 2 Days
Interest Rate10% onwards
Processing FeesUpto 1.2%
Max. Loan Amount₹75 Lakh
Processing Time1 - 2 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹1 Crore
Processing Time1 - 2 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹1 Crore
Processing Time3 - 5 Days
Interest Rate17% onwards
Processing FeesUpto 4%
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate17% onwards
Processing FeesUpto 4%
Max. Loan Amount₹50 Lakh
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About Piramal Finance Personal Loan
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 |
Rates as of 15th April 2026
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 |
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Types of Piramal Finance Personal Loan
Personal Loan for Marriage
Personal Loan for Travel
Personal Loan for Emergency
Personal Loan for Festival
Personal Loan for Women
Personal Loan for Salaried
Personal Loan for Home Renovation
Personal Loan for Education
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
Personal Loan for Home Renovation
Personal Loan for Emergency
Personal Loan for Festival Loan
Personal Loan for Women
Personal Loan for Salaried
Personal Loan for Education
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:
Piramal Finance Personal Loan vs Other Personal Loan Providers
| NBFCs | Piramal Finance | Tata Capital | Axis Bank | ICICI Bank |
|---|---|---|---|---|
| Rates | 12.14% p.a. onwards | 10.99% p.a. onwards | 9.99% p.a. onwards | 9.99% p.a. onwards |
| 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 |
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FAQs
What is the interest rate on Piramal Finance personal loan?
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.
How much loan can I get from Piramal Finance?
Piramal Finance offers personal loans ranging from Rs 50,000 to Rs 25 lakh, depending on your occupation profile, income, credit score, etc.
Who is eligible for a personal loan from Piramal Finance?
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.
What documents are needed for Piramal Finance personal loan?
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.
What is the EMI for a Rs 5 lakh loan from Piramal Finance?
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.
What is the minimum CIBIL score for a Piramal personal loan?
The minimum CIBIL score required for a personal loan from Piramal Finance is 700 or above. A higher score increases your chances of getting a loan at a lower interest rate.
Can I foreclose my Piramal personal loan?
You can foreclose your Piramal personal loan, subject toa foreclosure charge of up to 3% of the outstanding loan amount plus applicable taxes.
What is the repayment tenure offered by Piramal Finance?
Piramal Finance offers loan tenures ranging from 1 year to 5 years, depending on the loan amount and applicant’s eligibility.
Does Piramal Finance offer instant personal loans?
Piramal Finance offers instant personal loan disbursal for eligible salaried applicants at an interest rate of 14% p.a. onwards for a repayment period of 9 to 5 years. The loan amount ranges from Rs 50,000 to Rs 5 lakh. The NBFC claims to disburse loans within 24 hours once approved.
How can I contact Piramal Finance customer care?
You can contact Piramal Finance customer care via their toll-free number at 1800 266 6444 (available from 9 am to 6:30 pm, excluding Sundays and public holidays). Alternatively, you can email them at customercare@piramal.com. For in-person assistance, visit their branch from 10 am to 4 pm, excluding national holidays, Sundays, and the 1st & 2nd Saturdays of the month. Additionally, you can start a conversation via WhatsApp by scanning the QR code in the support section of their website.
Personal Loan Articles
View All ArticlesPaisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.
The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.
The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.
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Get up to ₹50 Lakhs starting at 9.98%*
Get up to ₹50 Lakhs starting at 9.98%*








