Get Instant Personal Loans in Pune up to ₹20 Lakh

Enjoy attractive interest rates starting at 9.9% p.a. with flexible EMI options

Personal Loan in Pune

Pune is the 2nd largest metropolitan city in Maharashtra. Also known as the Oxford of India, this city is home to many important educational institutions. Pune is also a major IT, automobile, and manufacturing hub. This has led many people to shift to the city to seek opportunities. So, if you are a resident of or moving to Pune and in need of urgent cash, Navi Personal Loan has you covered. You can get an instant personal loan in Pune in a 100% paperless manner with Navi.

Navi offers personal loans of up to ₹20 lakh at attractive interest rates starting from 9.9% p.a. Applying for an instant personal loan in Pune with Navi is a breeze. Just download the Navi app, apply and get instant cash in your account.

Features and Benefits of Personal Loan in Pune

Features and Benefits of Personal Loan in Pune

Find below the features and benefits of instant personal loans in Pune:
Get personal loans up to ₹20 lakh without any collateral
Enjoy flexible repayment tenures of up to 72 months or 6 years
The entire loan journey – from application to disbursal – hardly takes a few minutes
No paperwork or documentation required. Just download the Navi app and apply
Prepay your loan as per your convenience at no additional cost
Enjoy competitive interest rates starting from 9.9% p.a.

How to Apply for a Personal Loan in Pune?

Download the Navi App from Play Store or App Store
Enter a few basic details like name, address, PAN, etc., to check your eligibility
Enter the loan amount and tenure
Our representative will call you. Complete your V-KYC with PAN
Enter bank details and set-up auto pay. Get instant money in your bank account

How to Apply for a Personal Loan in Pune?

Eligibility Criteria and Documents Required

Indian Resident 18-65 years of age

PAN Card Holder

Salaried or Self-Employed

Aadhaar Card Holder

Interest Rates for Personal Loan in Pune

Navi personal loan interest rates in Pune start from 9.9% per annum. However, the final interest rate depends on your eligibility.
Interest Rate 9.90% p.a. onwards
Processing Fee Up to ₹7,500
Loan Amount Up to ₹20 lakh
Loan Prepayment Fee Nil
Loan Tenure From 3 to 72 months

How to Calculate EMI on Personal Loan?

Calculate your loan EMI beforehand to better plan your loan and manage your finances. You can either calculate your loan EMI manually or take the help of our personal loan EMI calculator. Here’s the formula for EMI calculation:

EMI = P × r × (1 + r)n/((1 + r)n – 1) where P= Loan amount, r= interest rate, n=tenure in number of months.

However, manual calculations can be tasking. A better alternative would be using Navi Personal Loan EMI Calculator. All you have to do is select the loan amount, interest rate and loan repayment tenure. The calculator will show you the EMI in a matter of seconds.

Personal Loan Calculator

Loan Amount

Rate of Interest (P.a)

%

Loan Tenure (Months)

months

Monthly EMI

0

Total Interest

Total Amount

Why Choose Navi Personal Loan in Pune?

Instant disbursal

If you need instant cash to cross any financial hurdle, choose Navi. It hardly takes a few minutes to apply and get the loan disbursed to your account if you are eligible.

No paperwork

100% app-based paperless process. You can apply for a loan from anywhere, anytime.

No hidden charges

Extremely transparent process with no additional or hidden charges. In case you have any doubt, feel free to write to us or check our rate card.

Trusted by Millions of Users

1 M+
App Downloads
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Loan Sanctioned
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Loan amount disbursed
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Active Loans

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Frequently asked questions

A personal loan application can get rejected if you don’t fulfil the eligibility requirements. This could be because of your low credit score, poor repayment history, applying for loans in quick succession, etc.
A personal loan can be borrowed for multiple purposes like weddings, medical, trips, home redecoration, etc.

A good CIBIL score helps ease up the process of personal loan applications. The better your CIBIL score is, the lenders will find you more credible. You can also get better deals and personal loan interest rates in Pune with a healthy CIBIL score.

You can easily repay the loans with EMI. Just link your bank account with the Navi app and enable the autopay option to avoid missing out on due dates.

Here are some of the factors you could consider before taking a personal loan:

  • Credit score: Having a good credit score can help you fetch better deals on your loan. Similarly, a poor credit score could lead to loan rejection
  • Repayment capacity: Check your repayment capacity before taking a loan. Missed EMI payments could hurt your credit score and put a dent in your creditworthiness
  • Loan EMI: Always calculate your loan EMI beforehand to check your monthly repayment obligations. This would help you manage your finances in a better way.
It would mean that you have defaulted on your loan. Other than the fact that you have to pay penalty charges on the default amount, your creditworthiness could also take a serious hit.

You can check your eligibility on the Navi app. All you need to do is enter your name, date of birth, PAN, monthly income, and address.

Missed EMIs can call for heavy penalty fees. Also, if you miss paying your EMIs multiple times, you may end up defaulting on your loan. This can have a negative impact on your creditworthiness.

Just link your bank account to the Navi app and set up auto-debit. Your EMI would automatically get debited from your bank account on the due date.

Yes, you can get an instant cash loan within an hour in Pune. All you need to do is download the Navi app and apply.