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Check the Piramal Finance Personal Loan interest rate along with applicable fees, charges, and factors that may influence your overall borrowing cost.
Last updated on: March 28, 2026
Piramal Finance offers personal loans with competitive interest rates to help you meet various financial needs such as medical expenses, travel, education, or debt consolidation. The interest rate you receive depends on factors like your credit profile, income, loan amount, and repayment tenure. Understanding Piramal Finance Personal Loan interest rates can help you estimate your EMI and choose a suitable repayment plan.
| Particulars | Details |
|---|---|
Interest Rate |
Starting from 17.25% p.a. |
Processing Fee |
1.5% to 4.5% of the loan amount |
Loan Amount |
₹6 Lakhs |
Loan Tenure |
Up to 60 months |
Disclaimer: The details mentioned above are subject to change at the lender’s discretion.
| Charges Type | Details |
|---|---|
Pre-closure Charges |
5% of outstanding principal + taxes |
Disclaimer: The details mentioned above are subject to change at the lender’s discretion.
Several factors determine the interest rate offered by Piramal Finance. Understanding these can help you improve your chances of securing a lower rate.
Credit Score
Your credit score reflects your repayment history and financial discipline. Borrowers with higher credit scores generally receive lower interest rates because they are considered lower risk.
Loan Amount
The loan amount you apply for can influence the interest rate. Larger loan amounts may come with different pricing depending on your repayment capacity and credit profile.
Loan Tenure
Longer tenures may lead to higher overall interest payments. Lenders may also adjust the rate depending on the chosen repayment duration.
Income and Employment Stability
Applicants with stable income and consistent employment history are usually offered better interest rates since they are seen as more capable of repaying the loan.
Existing Financial Obligations
Your existing loans, credit card dues, and overall debt-to-income ratio can impact the interest rate offered by the lender.
The interest rate on your personal loan directly impacts the EMI amount you need to pay each month. A lower interest rate can reduce your monthly instalment and the total interest payable over the loan tenure.
Below is an example showing how interest rates may affect EMIs for a personal loan:
| Loan Amount | Tenure | Interest Rate | EMI | Total Interest Payable |
|---|---|---|---|---|
₹2,00,000 |
3 Years |
17.25% p.a. |
₹7,155 |
₹57,596 |
₹2,00,000 |
3 Years |
20.00% p.a. |
₹7,433 |
₹67,578 |
₹2,00,000 |
3 Years |
31.00% p.a. |
₹8,600 |
₹1,09,608 |
Note: Figures are illustrative and may vary based on lender’s policies.
Available Offerings |
Interest Rate (Starting From) |
Max Loan Amount |
12% p.a. |
₹10 Lakhs |
|
12.5% p.a. |
₹50 Lakhs |
|
18% p.a. |
₹5 Lakhs |
|
14% p.a. |
₹5 Lakhs |
|
14.5% p.a. |
₹10 Lakhs |
|
18.96% p.a. |
₹2 Lakhs |
|
12% p.a. |
₹15 Lakhs |
|
13.99% p.a. |
₹10 Lakhs |
|
18% p.a. |
₹5 Lakhs |
|
14% p.a. |
₹5 Lakhs |
|
2.79% p.m. |
₹3 Lakhs |
|
10% p.a. |
₹55 Lakhs |
|
12% p.a. |
₹25 Lakhs |
|
9.99% p.a. |
5 Lakhs |
|
10.99% p.a. |
40 Lakhs |
|
18% p.a. |
1 Lakh |
|
15.95% p.a. |
10 Lakhs |
|
1.33% p.m. |
10 Lakhs |
|
13.5% p.a. |
₹7 Lakhs |
|
12.75% p.a. |
₹5 Lakhs |
|
14% p.a. |
₹4 Lakhs |
|
12% p.a. |
₹5 Lakhs |
|
18% p.a. |
₹5 Lakhs |
|
16% p.a. |
₹5 Lakhs |
|
6% p.m. |
₹1.5 Lakhs |
|
17.99% p.a. |
₹5 Lakhs |
|
16% p.a. |
₹5 Lakhs |
Note: Rates are indicative and subject to eligibility and lender policies.
Reviewer
The interest rate for Piramal Finance Personal Loans generally starts at 17.25% . However, the exact rate offered may vary depending on factors such as your credit score, income, employment profile, and loan tenure.
Piramal Finance Personal Loans usually come with a fixed interest rate. This means your EMI remains the same throughout the loan tenure, making it easier to plan your monthly budget.
The interest rate you receive may depend on factors such as your credit score, monthly income, employment stability, existing financial obligations, loan amount, and chosen tenure.
You can check the interest rate offered to you by applying online or contacting the lender directly. The final rate is typically determined after assessing your eligibility, credit history, and repayment capacity.
Existing customers with a good repayment history may sometimes receive preferential interest rates or pre-approved loan offers. The final offer depends on the lender’s internal policies and customer profile.
Yes, your credit score plays an important role in determining the interest rate. Borrowers with higher credit scores are usually offered lower interest rates as they are considered less risky by lenders.
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