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Piramal Finance Personal Loan, Interest rates from 12.99%

Get personal loans @12.99% p.a. onwards for loan amounts of up to Rs 10 lakh and repayment tenures of up to 5 years.


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Piramal Finance Personal Loan

Piramal Finance offers Personal Loans tailored to meet the diverse financial needs of individuals, providing them with quick and hassle-free access to funds for various purposes. With a focus on customer-centricity and transparency, Piramal Finance Personal Loans come with attractive features and flexible repayment options, making them a preferred choice for borrowers seeking financial assistance.

Features of Piramal Finance Personal Loan

Loan Amount: You can borrow between ₹ 1 lakh and ₹ 10 lakh (subject to your eligibility and creditworthiness).

Flexible Repayment Tenure: Choose a repayment plan that fits your budget, with terms up to 5 years.

Competitive Interest Rates: Rates start from 12.99% p.a., but the actual rate you receive will depend on your profile.

Quick Approvals and Disbursal: In some cases, you might get approved and receive the loan amount within 24 hours (subject to verification and approval).

Minimal Documentation: Piramal Finance aims for a streamlined application process, requiring minimal documents.

Prepayment with No Penalty: Unlike some lenders, Piramal Finance offers zero prepayment charges. This means you can pay off your loan early without any additional fees if your financial situation improves.

Convenient Online Application: Apply for the loan from the comfort of your home through their website.

Mobile App Management: Manage your loan account easily through Piramal Finance’s mobile app (downloading the app may be required).

Piramal Finance Personal Loan Calculator


Eligibility criteria for Personal Loan at Piramal Finance

  • Age: Gotta be at least 21 and ideally under 59 to qualify.
  • Credit Score: The higher the better, but generally aiming for above 750 is a good shot.
  • Income: Metro Cities: Their eligibility criteria mention a minimum monthly income of Rs. 25,000.
  • Job Situation: If you’re salaried, you should’ve been at your current job for at least 6 months.

Compare Interest Rates in Piramal Finance personal loan

Loan TypeMinimum Interest RateMaximum Interest Rate
Home Loans9.99%18.00%
Business Loans12.00%20.00%
Personal Loans12.99%35.99%

Charges in Piramal Finance personal loan



Processing Fee

Up to 4% of the loan amount + applicable taxes (payable before loan disbursal)

Documentation Charges

Up to 0.5% of the loan amount + applicable taxes

Prepayment Charges

Up to 5% of the prepayment amount + applicable taxes (applicable if you pay off a part or all of the loan before the term ends)

Default Interest

2% per month on the outstanding amount from the date of default till the date of actual payment

Check Bounce Charges

₹ 500 + applicable taxes (charged if your loan repayment cheque bounces)

Documents required for Piramal Finance Personal Loan

CategorySalaried IndividualsSelf-Employed Individuals
KYC Documents (Mandatory)* PAN Card * Photo Identity Proof (Aadhaar, Voter ID, Driving License, Passport) * Address Proof (Aadhaar, Voter ID, Driving License, Passport, Utility Bills)* PAN Card * Photo Identity Proof (Aadhaar, Voter ID, Driving License, Passport) * Address Proof (Aadhaar, Voter ID, Driving License, Passport, Utility Bills)
Income Proof* Last 3 months’ salary slips * Form 16 (optional)* Income Tax Returns * Profit and Loss Statements * Balance Sheets * Bank Statements (last 3 months)

How to Apply for an Piramal Finance Personal Loan?

  • Visit https://www.fincover.com/banking/loan/personal/ and select Piramal Finance
  • Enter all the required information as requested and Submit your personal loan application
  • Check if your personal loan is approved with the reference no provided
  • If approved and verified, the loan will disbursed in few days
Personal Loans by Bank
Metro Cities: Their eligibility criteria mention a minimum monthly income of Rs. 25,000 for residents of metro cities like Delhi, Mumbai, Chennai, etc
Maximum Upto Rs. 50 Lakhs for Salaried Individuals and possible Maximum Upto Rs. 30 Lakhs for Self-Employed Individuals
The age limit for salaried applicants is typically between 21 years and 62 years.