विनियमित एनबीएफसी (Regulated NBFC)सभी पात्र नागरिकस्वीकृति गति: Within 24 to 48 hours.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

पिरामल फाइनेंस पर्सनल लोन

Piramal Finance personal loan tailored for Tier 2/3 towns and Bharat borrowers up to ₹10 Lakhs.

ऋण राशि सीमा₹25,000 to ₹10,00,000 (Tier 2/3 and Bharat Focus)

ब्याज दर (APR)12.99% - 28.00% p.a. (risk-grade fixed)

पुनर्भुगतान अवधि12 to 60 months

प्रोसेसिंग शुल्कUp to 3.50% of loan amount + GST

💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Piramal Capital & Housing Finance's unsecured retail personal loan tailored for salaried and self-employed customers in Tier 2, Tier 3, and Tier 4 towns across Bharat, featuring flexible underwriting for emerging earners.

प्रमुख लाभ एवं विशेषताएं

• High acceptance for borrowers in semi-urban and developing markets • Flexible income assessment including cash-flow evaluation • Loan amount up to ₹10 Lakhs without pledging assets • Physical branch presence in over 500 towns.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Salaried employees, small shopkeepers, and self-employed individuals with verifiable income. Min Age: 21, Max Age: 65. Min Monthly Income: ₹15,000. Min CIBIL: 680.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

Prepayment allowed after 6 months with 4% fee + GST.

📂आवश्यक दस्तावेज (Required Documents)

• Identity Proof: PAN Card and Aadhaar Card • Income Proof: Last 3 months payslips, ITR, or cash-flow bank statement • Banking: Last 6 months bank statement.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)

• Higher interest rate floor (starts at 12.99% p.a.). • Foreclosure penalty of 4% + GST applies after 6 months. • Processing fee non-refundable once loan is sanctioned.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Apply via Piramal Finance mobile app with instant digital verification.

2. नए ग्राहक (ऑनलाइन):

1. Visit piramalfinance.com > Personal Loans. Submit mobile number, PAN, and KYC details.

3. बैंक शाखा में जाकर:

1. Visit nearest Piramal Finance branch with payslips or business income proofs and bank statements.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

Can borrowers from Tier 3 and Tier 4 towns apply?

Yes, Piramal Finance specializes in catering to emerging markets and Tier 2/3/4 towns across Bharat.

What is the minimum credit score required?

A CIBIL score of 680 and above is considered for eligibility.

What is the maximum tenure?

Up to 60 months (5 years).