Personal Loan - Apply for Instant Personal Loan Online Starting @ 11% p.a.

Get an instant personal loan online of up to ₹30 lakh with interest rates starting as low as 11% p.a. and tenure extending up to 72 months. With our digitised application process and fast disbursal, you get quick access to funds for various purposes, so you can manage any urgent financial need without delay. Whether it is for medical expenses, home renovation, travel, or debt consolidation, applicants with a good CIBIL score have a higher chance of quick approval at attractive rates. Apply for a personal loan online with minimal documentation today and get funds directly in your bank account.

Features & Benefits
EMI Calculator
Documentation
Eligibility
Fees & Charges
Frequently Asked Questions
Interest Rate

Key Features and Benefits of Personal Loan

Explore the features and benefits of Personal Loans for Women, including attractive interest rates starting from 11% p.a., flexible repayment tenure up to 72 months, easy online application, minimal documentation, and quick access to funds up to ₹30 Lakh.

High Loan Amounts

Avail loan amounts up to ₹30 Lakh to meet diverse financial needs.

Attractive Interest Rates

Enjoy competitive personal loan interest rates for women, starting at 11% p.a.(subject to eligibility and credit profile).

Quick Approvals

Get loan approval within 2 minutes and fast disbursal directly into your bank account.

Minimum Documentation

Experience a paperless loan process with easy digital verification and minimal documentation.

Zero Collateral

Access unsecured loan options with no need for any asset or guarantor.

Flexible Repayment Tenure

Choose a repayment period of up to 72 months based on your comfort.

Personal Loan EMI Calculator

Personal Loan EMI Calculator is an easy-to-use online tool that helps you estimate your monthly EMI for a loan. Simply enter the loan amount, interest rate, and tenure to instantly calculate your EMI and plan your finances better.

Results generated by the calculator(s) are indicative in nature.

Preferred loan amount

₹

₹50,000

₹30,00,000

Interest rate (per annum)

11%

24%

Loan tenure (months)

12 months

72 months

Estimated EMI

per month

₹ 36,690
Interest payable
₹52,41, 690

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How to Apply for a Personal Loan for Women Online?

Follow these easy steps to apply for a personal loan for women online:

Personal Loan Eligibility & Documents Required

Loan Eligibility Criteria

Residency:

Indian resident

Age requirement:

21 years to 58 years

Profession:

Salaried or self-employed individuals

List of Documents Required for a Personal Loan

Identity Proof

Address Proof

Utility bills (not older than 2 months) | Aadhaar Card | Driving License | Passport | Voter ID Card etc

Income Proof

Income proofs vary for different professionals across salaried and self employed Link: List of required income documents

Personal Loan Interest Rates and Charges

Interest Rate:
Starting from 11% p.a.*
Processing Fee:
Up to 4% of loan amount + applicable taxes
Penal / Late Payment Charge (LPC):
Up to 2% per month (p.m.) on overdue EMI + applicable taxes
Part Pre-payment Charges:
Up to 5% of prepaid amount + applicable taxes
Foreclosure Charges:
Up to 5% of principal outstanding + applicable taxes
Annual Maintenance Charges:
Nil
Duplicate NOC / Document Retrieval Charges:
Duplicate NOC: Up to ₹500 + applicable taxes (after 3 free copies)
Repayment Instrument Swap Charge (per swap):
Up to ₹500 + applicable taxes (branch walk-ins only)
Statement of Account / Repayment Schedule / Foreclosure Letter / Welcome Kit:
Nil
Cooling-off / Look-up Period:
3 days from the date of disbursement (no prepayment penalty)
Loan Cancellation Fee (post cooling-off period):
Up to 5% of principal outstanding loan amount + applicable taxes
Field Collection Service Charge:
Up to ₹500 per collection + applicable taxes
Legal Fees & Charges:
As per actuals or up to ₹30,000, whichever is lower + applicable taxes
Recovery Charges:
As per actuals or up to ₹15,000, whichever is lower + applicable taxes

Loan Sanction Amount (₹)

Bounce Charges (₹)

Less than ₹5 Lakh

₹500

₹5 Lakh - ₹30 Lakh

₹1,000

Seamless Loans, Simplified Experience

Download the Planet app for a one stop loan solution with effortless management at your fingertips. Learn More

FAQs & Support

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What is a Personal Loan?

A personal loan is an unsecured loan from a financial institution or lender to assist with personal expenses like medical expenses, wedding fees, vacation costs, home renovations, and the consolidation of debts. A personal loan typically requires monthly payments (installments) that include principal (the amount borrowed) and interest (the cost of borrowing) over a specified time frame. The interest rate on a personal loan will depend on the borrower's credit history and other factors related to their individual creditworthiness.

What are my options for making loan repayments?

The EMIs for Personal Loans will be deducted from your bank account through e-mandate. If the mandate is not honoured due to insufficient funds, you can pay online, through L&T Finance PLANET App, or at your nearest L&T Finance branch.

What can you use a Personal Loan for?

A Personal Loan can be used for multiple purposes. It includes debt consolidation, medical expenses, home renovation, education, weddings, travel and many more.

Why should I take loan from L&T Finance?

Key features of L&T Finance Personal Loans are - Completely digital process, Quick disbursal, Transparent, No security needed, and Minimum documentation.

How to repay the personal loans?

The EMIs for Personal Loans will be deducted from your bank account through eNach/ UPI/ eAADHAAR.

How can I apply for the loan?

Apply for Personal Loan here Or call us at 18002680000.

Can I prepay/part-pay the loan? Are there any penalties?

Yes, part-payment and pre-payment can be done. Both incur a fee of up to 5% plus taxes.

What are the loan tenure options for Personal Loans?

The loan tenure for a Personal Loan typically ranges from 12 to 72 months, depending on the lender's policies.

What happens if I miss a repayment on my personal loan?

You may incur late payment charges, and your credit score can drop, affecting future loan eligibility.

Why should you opt for L&T Finance’s Personal Loan?

Choose L&T Finance for your Personal Loan needs and get a loan with seamless digital process, quick disbursal, transparent terms, no collateral and minimum documentation.

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Get Personal Loan for different budget

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Personal Loan

I have upskilled myself and look forward to starting my own venture soon. Smooth process, disbursement in 15 mins of process completion. Extremely satisfied with the assistance of the Call Center.

Jasbir Kaur

Punjab

Personal Loan

I spotted an L&T Finance Consumer Loans ad and applied. After my verification call, my request for loan was approved and the loan amount was transferred in the following 24 hours. L&T Finance Personal Loans provided me timely, financial help.

Vinod Bidlan

Andheri, Mumbai

Personal Loan

I was aware of L&T Finance Consumer Loans, as I have already benefited from their services in the past. They had even clarified my doubts about T&C and loan process by calling me up at my convenient time. Because of such good support, I decided to take loan again from L&T Finance Personal Loans.

Chirag Mehta

Ahmedabad, Gujrat