Instant Loan
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Personal Loan offerings by Piramal Capital & Housing Finance Ltd. (Piramal Finance)
Key Features
Loan amount
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Loan tenure up to
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Interest rates starting at
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For detailed fees and charges Click here *T&C apply
Instant Loan Assets
We understand your financial urgency and offer instant personal loans with a fast, secure, hassle-free application process.
- Instant Approval & Disbursal: Get your instant loan approved in minutes and receive the funds directly in the bank account within 24 hours.
- Fully Digital Process: You can apply, verify and track the application online, You don’t have to visit or submit the physical documents.
- Custom Loan Options: You can choose your loan amount and tenure to manage your financial goals effectively.
- Paperless Documentation: You can upload the documents digitally, giving you faster processing and reduced paperwork for an instant loan.
- No Hidden Charges: We ensure that there are no hidden costs and that everything is clearly outlined before you make the instant loan application.
Eligibility Criteria for Instant Loan
Understand the Eligibility Criteria for personal loans for smooth loan approvals. Piramal Finance offers you the most convenient criteria for instant loan application.
- Age:
- To apply for a personal loan, applicant must be between 25 and 58 years of age.
- Employment Status
- Open to salaried individuals only
- Credit Score:
- We at Piramal Finance offer Personal Loan to the applicants with credit score of 750 and more.
How To Get an Instant Loan
We have made the process effortless and fully online. Here is a step-wise process where you can get an instant loan.
Tips to Get Fast Approval for the Loan
Getting quick approval for an instant loan will be much easier if you know the right things to do. Here are some valuable tips that can help you to speed up your loan approval process.
- Maintain a Good Credit Score A credit score of 750 or above will increase the chances of immediate approvals. Keep regular track of your credit score and solve the discrepancies if any.
- Ensure Stable Income If you have a consistent income, your chances of getting instant loan approval become high. Manage your income sources properly and make sure you have a stable income source
- Avoid Multiple Loan Applications Submitting loan applications to multiple lenders can negatively impact your credit score. Keep the focus on one application at a time, which will improve your chances of approval.
- Clear Existing Loan If you have an existing loan while doing a loan application then try to pay off the debts.
- Apply for the Right Loan Amount Avoid applying for a loan amount that may exceed your eligibility. Always use an online eligibility calculator to determine the appropriate loan amount based on your income and repayment capacity.
Digital Documents Required for Instant Personal Loan
We promise a paperless instant loan application process by keeping the documentation simple.
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Row 1
- KYC Documents
- Income/ Salary Proofs
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Row 2
- Aadhaar Card & Pan Card
- Bank Statement for the Previous 3 Months
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Row 3
- Voter ID / Passport
- Salary Slips of the Last 3 Months
Instant Loan Amount, Interest Rate, Processing Fees & Charges
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Row 1
- Features & Fees
- Details
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Row 2
- Interest Rates
- {plintrestrate}* p.a. onwards
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Row 3
- Loan Amount
- ₹ 50,000 to ₹ 5,00,000
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Row 4
- Processing Fees
- Upto 5% of loan amount + applicable taxes
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Row 5
- Loan Tenure
- 9 - 60 months tenure
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Row 6
- Part Pre-Payment of Personal Loan
- 3% of Principal Paid+ GST
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Row 7
- Personal Loan Pre-Closure Charges
- 3% of Principal Outstanding + GST
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Row 8
- Stamp Duty
- At actuals + Applicable taxes
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Row 9
- Cash/ Overdue EMI/PEMII collection Charges
- ₹ 500 + applicable taxes
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Row 10
- EMI Date Change
- ₹ 1000 + applicable taxes
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Row 11
- Loan Repayment Instrument Dishonor Charges
- ₹ 750
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Row 12
- Loan cancellation after disbursal/cheque handover
- ₹ 3,000 + Interest accured & due + Applicable taxes
Fees & Charges
Get a loan at competitive fees & Interest rates. Below is the table for our fees and charges –
Different Types of Personal Loans We provide various easy loans to serve the various needs of customers. Please check out the below-mentioned types to avail the quick loan online.
Home Improvement Loan
You can use the funds from a personal loan to complete renovations in your home. Moreover, you can also use the funds to expand your home.
Wedding Loan
Indian weddings can be expensive, but the funds from a personal loan will help you deal with the expenses
Travel Loan
If you are willing to travel to an exotic location, applying for a personal loan is the way to go.
Car Loan
You can buy your dream car with a flexible car loan, offering freedom of choice and fixed monthly payments.
Emergency Loan
Health insurance may not cover family medical emergencies. Emergency personal loans can help with medical crises.
Festival Loan
The festive season often comes with various expenses, which online insta loans can help cover.
Loan for Women
Empower yourself with a specially designed quick personal loan for women. It provides financial support for various needs with competitive interest rates and flexible repayment options.
Loan for Salaried Employees
Unlock financial flexibility with a personal loan designed exclusively for salaried employees. Get the loan quickly and conveniently.
Education Loan
You can borrow finance online to pay for housing and food while studying at a university in another city or country.
Personal Loan for Bike
Don't wait any longer to own your dream bike. Apply for a personal loan for a two-wheeler and get instant approval.
Instant Personal Loan by Amount
Now it is possible to get instant Personal loan by amount starting from ₹ 25,000 up to ₹ 5,00,000. Please check the below-mentioned options.
Benefits of Taking Instant Personal Loan from Piramal Finance
Our instant loan offers you ultimate convenience and instant financial support.
Trusted Financial Partner
We always give priority to quick loan approvals, instant disbursals and complete transparency. We ensure a stress-free borrowing experience for your all financial needs.
100% Digital Process
You can simply apply and upload all the necessary documents online and get the approvals quickly.
Hassle-free experience
In your financial need, we make things easier for you by providing end-to-end guidance. Our core focus is to simplify the instant personal loan application process and give you complete peace of mind.
Comprehensive Support
Our financial expert is always ready to assist you at every step. We ensure you have a smooth and seamless instant loan application experience.
Strong Market Reputation
Piramal Finance is trusted by thousands of customers across the country and has earned a reputation for integrity, professionalism and customer satisfaction.
Our Journey So Far
Happy Customers
25,000+
Loans Sanctioned
30,000+
Loan Disbursed
1,250 Cr+
Active Customers
18,000+
Frequently asked questions
Get a Instant Loan from the Nearest Piramal Finance Branch
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