Information only
Piramal Finance is a non-banking financial company (NBFC), regulated by the Reserve Bank of India (RBI). It is a retail lender of the Piramal Group. Its registered office is in Kurla (West), Mumbai. Unlike a bank, an NBFC cannot take demand deposits such as savings or current accounts, so a loan from it is not a bank loan even though it works in a similar way.
Loans it offers
Loans listed for Piramal Finance
| Loan | What to know |
|---|---|
| Home loans | Housing finance sits inside the same company, which was formerly Piramal Capital & Housing Finance. |
| Personal loans | Unsecured, so approval rests on income, existing EMIs and credit history; amount and tenure are set by the lender. |
| Loans against property | Secured on a property you own; the amount depends on the lender's valuation and your repayment capacity. |
| Business and MSME loans | For working capital or expansion; business vintage, financial statements and bank statements are usually asked for. |
| Car loans | Our research lists used-car finance in its range. |
| Gold loans | Offered as a secured loan against gold ornaments. |
LOANZ 360 explains how each of these loan types works: home loans, personal loans, loans against property, business and MSME loans, car loans, gold loans. Piramal Enterprises no longer lends as a separate company; its business is now part of Piramal Finance.
Key facts
| Fact | Detail |
|---|---|
| Regulator category and layer | NBFC (upper layer). Upper layer, named by RBI on 6 August 2026 for 2026-27; non-deposit NBFC. |
| Registered office | Kurla (West), Mumbai |
| Parent group | Piramal Group |
| Former names and mergers | Formerly Piramal Capital & Housing Finance, renamed Piramal Finance in 2025; Piramal Enterprises merged into it with effect from 16 September 2025 |
As of 8 November 2026, RBI lists Piramal Finance among the NBFCs in the upper layer for 2026-27. RBI publishes the upper layer list each year, so a lender's layer can change. See the RBI press release of 6 August 2026.
Before you apply
- Ask for the Key Fact Statement (KFS) before you accept an offer. It shows the annual percentage rate (APR), all charges and the repayment schedule in one place.
- Compare the APR, not just the stated interest rate, because processing and other charges set by the lender change the real cost.
- Check the lender's processing fee, foreclosure and part-payment terms, and penal charges. These are set by the lender.
- Read the sanction letter for the name of the legal entity that is lending, as group companies often have similar names.
- Check your credit score (CIBIL or another bureau) and your existing EMIs first. Checking your own score does not lower it.
- Apply only where you are likely to qualify. Too many lender checks in a short time can lower your score.
You can see current rates on the interest rates page and estimate repayments with the EMI calculator. The label on this page that shows whether LOANZ 360 works with this lender or only gives information is drawn from our live records. To see how lenders are shown, read how we rank offers and the lending partners page.
Last updated 12 Nov 2026