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NBFC

Piramal Capital Personal Loan

Digital personal loans with quick approval and flexible repayment solutions.

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Piramal Capital logo

NBFC

Piramal Capital

Compliance Status

RBI Regulated Lending Institution

About Piramal Capital

Piramal Capital Personal Loan offers collateral-free financing to help borrowers manage weddings, travel, home improvement, education and emergency expenses. The lender provides competitive interest rates, flexible repayment tenures and a convenient digital application journey. With minimal documentation and faster processing, Piramal Capital aims to simplify access to personal finance for eligible borrowers.

Loan Features & Particulars in Detail

Review comprehensive fee schedules, limits, and operational tenures for Piramal Capital.

ParticularsDetails
Loan Amount25,000 to 5 Lakh
Interest RateStarts From 12.14%
Loan Tenure3 Months to 60 Months
Disbursal Time24 Hours
Processing FeeStarts from 5%
Foreclosure Charges0

Criteria & Documentation

Verify borrower qualifications before initiating your application.

Age Requirement

Between 21 and 65 years at time of maturity.

Minimum Income

Monthly net salary of ₹20,000+ for salaried professionals.

Credit Score

Preferred CIBIL score of 700+ for optimal interest rates.

Employment

Minimum 1 year total work experience with 6 months in current firm.

Why Choose Piramal Capital

Competitive Interest Rates

Attractive annual percentage rates structured for your disposable income.

Fast Digital Sanction

Instant in-principle sanction with electronic agreement signing.

Zero Collateral Needed

100% unsecured borrowing without pledging personal property or gold.

Flexible Repayment Tenures

Tenures spanning up to 84 months for smooth monthly EMI planning.

Understand Your Loan: Annual Percentage Rate (APR)

The APR represents the true annualized cost of borrowing with Piramal Capital. It accounts for the nominal interest rate, processing charges, documentation fees, and mandatory stamp duties. Personal loan APRs generally range between 11.2% and 36% based on borrower risk profiling and income documentation.

Representative Example: A ₹5,00,000 personal loan at 10.50% interest for 3 years with a 2% processing fee (₹10,000) corresponds to a monthly EMI of approx. ₹16,253 and an effective APR of 11.89%.

Ready to Apply for Piramal Capital Personal Loan?

Check your eligibility in 2 minutes with zero impact on your CIBIL score.

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Partner FAQ

Frequently Asked Questions

Common inquiries about Piramal Capital personal loans.

01Is Piramal Capital Personal Loan unsecured?
Yes, no collateral is required.
Travel, weddings, medical emergencies, education and home renovation.
Income, employment stability and credit history are considered.
Yes, eligible borrowers can select a suitable EMI tenure.
Yes, Piramal Capital offers a digital loan application process.