Poonawalla Fincorp Personal Loan

Poonawalla Fincorp, a Paisabazaar partner, offers personal loans from Rs 50,000 to Rs 5 lakh at interest rates starting from...

Fully Digital Borrowing Process

Highest Approval Chances

End-to-End Expert Assistance

Minimal Documentation Required

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15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Get Cashback of ₹ 1,000^* on Loan Disbursal

Valid till 31^st March '26 *T&C Apply

Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

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Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Fully Digital Borrowing Process

Highest Approval Chances

End-to-End Expert Assistance

Minimal Documentation Required

Calculate Your Personal Loan EMI

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50K50L

Rate of Interest (Yearly %)

8%30%

Loan Tenure

1Y 10Y

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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

ICICI Bank

100% Digital Process*Quick Disbursal

Max Loan Amt.Upto ₹25L

Rate of Interest11% - 13%

Tenure upto1-5 Years

Processing FeeUpto 2%

Axis Bank

Low Processing fee

Max Loan Amt.Upto ₹25L

Rate of Interest9.99% - 17.15%

Tenure uptoUpto 6 Years

Processing FeeUpto 2%

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About Poonawalla Fincorp Personal Loan

Poonawalla Fincorp Personal Loan Highlights

Poonawalla Fincorp Personal Loan Interest Rate

Fees and Charges of Poonawalla Fincorp Personal Loan

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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 Poonawalla Fincorp Personal Loan

Poonawalla Fincorp personal loans are offered at competitive rates to meet personal financial needs.
Consumers can also experience a completely digital, end-to-end personal loan journey on the Paisabazaar platform.
The loan approval is based on the applicant’s repayment capacity and creditworthiness.
These loans require no collateral, minimal documentation and come with zero hidden charges.
Poonawalla Fincorp personal loans also come with flexible end usage and can be availed to meet any personal financial need.

Poonawalla Fincorp Personal Loan Highlights

Interest Rates	9.99% p.a. onwards
Loan Amount	Rs. 50,000 to Rs. 5 lakh
Repayment Tenure	1 year to 3 years
Processing Fees	Up to 3% of the loan amount
Age Criteria	Minimum: 21 years, Maximum: 55 years
Foreclosure/Pre-payment Charges	NIL (if prepaid from own sources), 4% (if prepaid from other sources)

Rates as of 9th March 2026

Poonawalla Fincorp Personal Loan Interest Rate

Poonawalla Fincorp Personal Loan Interest Rate offered through Paisabazaar.com ranges between 9.99% p.a. onwards. The final personal loan interest rates offered to the loan applicant would vary according to the credit score, job profile, monthly income, employer’s profile, etc, of the personal loan applicant.

Fees and Charges of Poonawalla Fincorp Personal Loan

Processing Fee

Poonawalla Fincorp charges a processing fee of up to 3% of the loan amount plus applicable taxes.

Prepayment/Part Prepayment/Foreclosure Charges

Foreclosure charges	NIL(if prepaid from own sources)4% (if prepaid from other sources)
Prepayment charges	NIL (if prepaid from own sources)4% (if prepaid from other sources)

Other Fees and Charges

Late payment charges	2% per month (24% p.a.) on the defaulted EMI amount
Cheque bounce charges	Rs 500 per bounce + GST
Stamp duty	At actuals

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All Your Needs

EMI Scenarios Based on Loan Amount, Tenure & Interest Rate

Here are EMI amounts based on different loan amounts, with an interest rate of 11% and tenure of 3 years and 5 years:-

Loan Amount	Tenure	Interest Rate (p.a.)	EMI
Rs 1 lakh	3-5	11.00%	Rs 3,274-Rs 2,174
Rs 5 lakh	3-5	11.00%	Rs 16,369-Rs 10,871
Rs 10 lakh	3-5	11.00%	Rs 32,739-Rs 21,742

Types of Poonawalla Fincorp Personal Loans

Personal loan for Chartered Accountants (CA)

Purpose: It is a special personal loan scheme for Chartered Accountants for fulfilling their personal and professional needs such as expenses related to wedding, traveling, home renovation, office renovation, a professional course, etc.
Loan amount: Up to Rs 30 lakh
Repayment tenure: Up to 5 years

Personal loan for Company Secretaries (CS)

Purpose: It is a special personal loan scheme for Company Secretaries. Borrowers can use the loan proceeding for meeting their personal and professional needs such as wedding, traveling, office renovation, etc.
Loan amount: Up to Rs 30 lakh
Repayment tenure: Up to 5 years

Personal loan for Doctors

Purpose: It is a personal loan for doctors that can be used to fulfill various personal and professional needs such as home renovation, clinic expansion, traveling, child’s higher education, etc.
Loan amount: Up to Rs 30 lakh
Repayment tenure: Up to 5 years

Personal loan for Salaried Employees

Purpose: It is a personal loan for salaried employees that can be used for meeting various financial needs related to weddings, medical emergencies, home renovation, higher education, etc.
Loan amount: Up to Rs 30 lakh
Repayment tenure: Up to 5 years

Personal loan for Government Employees

Purpose: Personal loan for government employees can be used for meeting various financial needs related to medical emergencies, vehicle purchase, jewelry purchase, traveling, etc.
Loan amount: Up to Rs 30 lakh
Repayment tenure: Up to 5 years

Personal loan for Home Renovation

Purpose: Borrowers can use personal loan for home renovation to meet expenses related to refurbishing their home such as, flooring, painting, tiling, upgradation, remodeling, repair, improvement, extension etc.
Loan amount: Up to Rs 30 lakh
Repayment tenure: Up to 5 years

Personal loan for Wedding

Purpose: A personal loan for wedding can be used to meet expenses related to marriage.
Loan amount: Up to Rs 30 lakh
Repayment tenure: Up to 5 years

Personal loan for Travel

Purpose: Borrowers can use the proceeds of travel personal loan for financing travel related expenses like ticket booking, hotel booking, shopping, etc.
Loan amount: Up to Rs 30 lakh
Repayment tenure: Up to 5 years

Personal loan for Medical Emergency

Purpose: It is a medical loan that borrowers can use to finance their medical expenses.
Loan amount: Up to Rs 30 lakh
Repayment tenure: Up to 5 years

Personal loan for Women

Purpose: It is a loan facility for women that can be used to finance education, medical emergencies, wedding expenses, or any other important need or end goal.
Loan amount: Up to Rs 30 lakh
Repayment tenure: Up to 5 years

Poonawalla Personal Loan Eligibility Criteria

Age: Minimum 22 years at the time of loan application & maximum 58 years at the time of loan maturity.
Citizenship: Indian citizenship.
Employment: Borrowers must have a full-time job with central/state govt., PSUs, MNCs, listed/unlisted public limited companies, private limited companies, LLPs, schools and colleges.
Work experience: Minimum 1 year with at least 1 month employment at the current job.
Monthly income: Net take home salary should be Rs 30,000.

Poonawalla Personal Loan Documents Required

KYC Documents: Aadhaar Card/PAN Card
Address proof: Passport/ Utility bills/ Rent Agreement
Income documents: Latest salary slip
Financial documents: Salary Credit Bank Statement for the last 3 months
Employment proof: Official Email ID confirmation /Employee ID Card ( in case official email ID confirmation is not possible)

How to Improve Chances of Poonawalla Fincorp Personal Loan Approval

First, check the personal loan eligibility criteria before applying for a personal loan from Poonawalla Fincorp.
Lenders usually consider a credit score of 750 or above and offer lower interest rates to applicants having stronger credit score. Make timely repayments of your credit card bills/EMIs, periodically check your credit report and managing credit responsibly can help improve your credit score.
Submit complete documentation, such as recent salary slips, bank statements, identity proof and address proof.
Do not switch jobs too often, as it reduces your minimum job tenure criteria set by the NBFC. If you’re new to your job, it’s best to wait until you’ve completed minimum 1 year of job experience and 1 month of stable employment at your current job before applying for Poonawalla personal loan.

Poonawalla Fincorp Personal Loan vs Other NBFCs

NBFCs	Poonawalla Fincorp	Piramal Finance	Tata Capital	Aditya Birla Capital
Rates	9.99% p.a. onwards	12.14% p.a. onwards	10.99% p.a. onwards	10.99% p.a. onwards
Processing Fee	Up to 3% if the loan amount	Up to 5% of the loan amount	Up to 1.25% of the loan amount	Up to 4% of the loan amount
Max. Loan Amount	Up to Rs 5 lakh	Up to Rs 25 lakh	Up to Rs 35 lakh	Up to Rs 40 lakh
Min. Monthly Salary Required	Rs 30,000	Rs 20,000	Rs 15,000	NA

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

Poonawalla Fincorp offers personal loans at interest rates starting from 9.99% p.a. onwards when applying through Paisabazaar.

You can avail a personal loan of up to Rs 5 lakh from Poonawalla Fincorp, depending on your credit profile.

Yes, Poonawalla Fincorp personal loans are unsecured and can be used for various purposes including business expenses, medical emergencies, home renovation, weddings, travel, and more, except speculative purposes.

You can apply for a personal loan from Poonawalla Fincorp through Paisabazaar’s website. Poonawalla Fincorp has partnered with Paisabazaar to offer personal loans at an interest rates starting at 18% p.a. You can also compare offers with other partners and benefit from expert advice that help you choose a personal loan that suits your needs.

Poonawalla Fincorp has not explicitly stated minimum CIBIL score criteria. Applicants with credit scores of 750 or above are often viewed as financially disciplined and, thereby, have lower chances of loan defaults.

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What our customers say

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

Kokil BarnwalFeb 12, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

Anuradha GuptaJan 21, 2026

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

20th Jan 2026Jan 20, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

Amit ChahalJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

Abhishek ThakuraJan 14, 2026

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Written By

Vandana Punj

Reviewed By

Shamik Ghosh

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