Personal Loan in Pune up to ₹30 Lakhs: Apply Online

Instant Personal Loan in Pune

If you need Personal Loan in Pune immediately, L&T Finance offers up to ₹ 30 Lakh* at interest rates starting from 11%* p.a. and tenure ranging up to 72* months. Our 100% digital journey lets you apply for Personal Loan in Pune and receive approval within 2 minutes*. Our instant Personal Loans are ideal for medical emergencies, travel, home repairs or debt consolidation.

Quick Disbursement of Personal Loans in Pune

Our seamless Personal Loan disbursement process ensures funds get transferred into your bank account quickly after approval. By taking advantage of the digital application process, minimal paperwork and e-mandate setup, you can get your loan at the earliest. From application to disbursal of funds, every step is paperless and hassle-free.

Features & Benefits of Instant Personal Loan in Pune

Features & Benefits	Description
Competitive Interest Rates	Our Personal Loan interest rates in Pune start from as low as 1%* p.a.
High Loan Amount	Get high loan amount of up to ₹ 30 Lakh*
Flexible Tenure	Choose a repayment tenure that ranges up to 72 months
Digitised Process	Apply online with support from a dedicated relationship manager
Minimal Documentation	Fast-track your application with minimal paperwork

Uses of Personal Loan in Pune

Healthcare Expenses – Finance surgery, tests and treatment bills without depleting your savings.
Home Improvements – Transform living spaces, renovate kitchens or refurbish bathrooms effortlessly.
Celebrations & Gatherings – Fund wedding ceremonies, return gifts and travel arrangements with ease.
Learning & Development – Support professional courses, workshops and certification fees for skill advancement.
Trips & Getaways – Cover holiday or business travel costs without affecting your monthly budget.
Loan Consolidation – Merge multiple EMIs into a single, manageable monthly payment.

EMI Calculator for Personal Loan in Pune

Our EMI calculator for Personal Loan helps you estimate monthly instalments and total interest payable. Enter your desired loan amount, interest rate and tenure to instantly compare different repayment scenarios before you apply for Personal Loan in Pune.

Eligibility Criteria for Personal Loan in Pune

Type	Criteria
Residency	Indian resident
Age requirement	21 years to 58 years
Profession	Salaried or self-employed individuals

Documents Required to Get a Personal Loan in Pune

Document Type	Required Document & Checks
Identity Proof	Passport \| PAN Card \| Driver License \| Voter ID \| Aadhaar Card
Address Proof	Utility bill of any service provider not more than 2 months old (Electricity, Telephone, Post-paid Mobile Phone, Piped Gas, Water Bill) \| Passport \| Voter ID Card \| Driving License
Income Proof	Income proofs vary for different professionals across salaried and self-employed.

Please find the easy detailed list of required documents here

Type	Document
Salaried	Last 3 month's salary slips / Form 16 / Last 3 month's bank statement reflecting salary credits / Salary Certificate
Self Employed	Latest Income Tax Return (ITR)
Bank Statement	Last 3 month's statement is mandatory
Residence Ownership Proof	Not mandatory

Personal Loan Interest Rates and Charges in Pune

Type	Interest Rate and Charges
Loan Processing Fees (non-refundable):	Upto 3%* of Loan Amount + applicable taxes
EMI Dishonour/Bounce Charge* *A bounce charge is a charge for (i) dishonour of any repayment instrument; or (ii) non-payment of instalment(s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate	As shown in the table below
Sanctioned Loan Amount	Charges
< ₹ 5 Lakh	₹ 500
₹ 5 Lakh - ₹ 30 Lakh	₹ 1000
Late Payment Charges (LPC)/ Penal Charges:	2% (p.m.) on EMI overdue + applicable taxes
	*LPC revised from 3% to 2% per month on overdue EMI w.e.f. 4th Dec'23
	*Taxes applicable on LPC w.e.f. 1st Apr'24
Part Payment Charges:	Up to 5% of pre-paid amount + applicable taxes
Foreclosure Charges:	5% of POS (Principal Outstanding) + applicable taxes
Legal/ Recovery Charges:	As per actuals
Duplicate NOC Charges:	First 3 paper copies - free of cost
Duplicate NOC Charges:	From 4th Paper copy - ₹250 + applicable taxes
Repayment Swap charges (per swap):	₹500 + applicable taxes (applicable only for branch walk-ins)
Loan Cancellation Charge:	Nil - for 3 days from date of disbursal
Loan Cancellation Charge:	From 4th day - 5%+ applicable taxes (on the outstanding loan amount)
Document Charges:	Nil for Statement of Account (SOA), Repayment Schedule, Foreclosure Letter, Welcome Kit
Annual Maintainance Charges (AMC):	Nil

*Terms & Conditions Apply. All actual charges will be as per Key Fact Statement (KFS) shared by the company.

Why Choose L&T Finance for Personal Loans in Pune?

100% Digital Process – Complete application process is online for Personal Loan in Pune
Swift Disbursal – Our seamless Personal Loan disbursement process ensures quick transfer of funds.
Competitive Rates – Personal Loan interest rates start as low as 11%* p.a.
Minimal Documentation – Entirely paperless process for quick loan sanctions
Dedicated Support – Personalised assistance from our dedicated relationship manager

How to Apply for a Personal Loan in Pune ?

Apply for Personal Loan with these steps

1. Apply online in just few minutes

Select Personal Loan and click the 'Apply Now' button to start your seamless digital loan journey

2. Fill in your details

Enter your personal details, such as income details, current address, and more, to instantly check your loan eligibility

3. Get your customised offer

Explore personalised loan offers to match your needs. You may also get an options to enhance your offer

4. Set up E-mandate

Securely provide your bank details to easily register for an E-mandate, ensuring smooth loan repayments

5. Complete KYC

Verify your identity easily and securely with a quick KYC process from the comfort of your home

6. Get loan disbursement

Get your loan disbursement directly in your bank account, ensuring fast and seamless access to funds

FAQs & Support

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How do I track my Personal Loan application status in Pune?

You can get real-time updates about your loan application on your registered mobile number. You can also check your application status by logging in to our website or PLANET app with your registered mobile number and entering your application number.

What is the maximum loan amount I can get in Pune?

You can borrow up to ₹ 30 Lakh* with our digital Personal Loan in Pune.

How long does it take to get a Personal Loan in Pune?

Once you apply online for a Personal Loan in Pune and submit required documents, approval is granted within 2 minutes*. After that, our Personal Loan disbursement process begins and funds are transferred to your account quickly.

Are there prepayment or foreclosure charges on loans in Pune?

Foreclosure fees are 5% of the outstanding principal plus taxes, and part-payment fees are up to 5% of the prepaid amount plus taxes. Floating-rate loans do not incur foreclosure fees.

How can I apply for a Personal Loan in Pune through L&T Finance?

Visit our website, click Apply Now, complete the form, upload documents and receive funds quickly. You can also use the PLANET app to apply for a Personal Loan with L&T Finance in Pune.