विनियमित एनबीएफसी (Regulated NBFC)वेतनभोगी कर्मचारी (Salaried)स्वीकृति गति: Within 24 hours.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

पूनावाला फिनकॉर्प पर्सनल लोन

Poonawalla Fincorp digital personal loan for salaried professionals up to ₹30 Lakhs starting from 9.99% p.a.

ऋण राशि सीमा₹50,000 to ₹30,00,000 (100% digital loan)

ब्याज दर (APR)9.99% - 22.00% p.a. (competitive prime pricing)

पुनर्भुगतान अवधि12 to 60 months

प्रोसेसिंग शुल्कUp to 2.00% of loan amount + GST

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

उत्पाद का संक्षिप्त विवरण

Poonawalla Fincorp's digital instant personal loan for salaried professionals, featuring competitive prime interest rates starting from 9.99% p.a. and 100% paperless onboarding.

प्रमुख लाभ एवं विशेषताएं

• Industry-leading interest rates starting from 9.99% p.a. for prime salaried borrowers • 100% digital paperless processing via website and mobile app • High loan quantum up to ₹30 Lakhs without pledging assets • Disbursal in under 24 hours.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Salaried employees in private limited companies, MNCs, and public sector organizations. Min Age: 22, Max Age: 58. Min Net Monthly Salary: ₹30,000. Min CIBIL: 750.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

Prepayment allowed after 6 months; 3% to 4% foreclosure charges apply.

📂आवश्यक दस्तावेज (Required Documents)

• Identity Proof: PAN Card and Aadhaar Card • Employment Proof: Employee ID Card • Income Proof: Last 3 months payslips • Bank Statement: Last 3 months bank statement.

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

• Strict income barrier: Minimum net take-home salary of ₹30,000/month. • Minimum CIBIL score requirement of 750 for 9.99% base rate. • Foreclosure penalty of up to 4% + GST applies after 6 months.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Apply via Poonawalla Fincorp App with instant digital verification.

2. नए ग्राहक (ऑनलाइन):

1. Visit poonawallafincorp.com > Personal Loans. Submit PAN, verify salary via Account Aggregator, and e-sign.

3. बैंक शाखा में जाकर:

1. Visit nearest Poonawalla Fincorp branch with payslips and bank statement.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

How can I get the 9.99% interest rate?

The lowest 9.99% rate is available to prime salaried applicants with CIBIL score of 750+ working in top-tier corporate firms.

What is the maximum loan limit?

Up to ₹30 Lakhs depending on your net monthly salary and credit score.

What is the minimum income needed?

A minimum net monthly salary of ₹30,000.