Rs. 40000 - Rs. 55 lakh
You may be eligible for a pre-approved offer
Enter mobile and OTP | Apply online | Get money in a day*
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A personal loan of Rs. 70,000 is ideal for managing urgent expenses with ease. Bajaj Finance offers quick approval, flexible tenure, and competitive interest rates. Apply online for a hassle-free loan and get instant funds in your account.
✅ Check your pre-approved loan offer with phone number and OTP → Apply online in 5 minutes → Receive funds within a day*.
Why this matters: Timely funds help you address urgent needs without draining savings.
Features and benefits of a Rs. 70,000 personal loan
- Approval in minutes - Fulfill our simple eligibility parameters to get approval within 5 minutes*.
Why it helps: Quick decisions mean you can address emergencies immediately.
- Fast fund transfer – Access your personal loan amount of Rs. 70,000 within 24 hours* of approval.
Pro tip: Ensure your bank details are correct for seamless disbursal.
- Collateral-free finance – Keep your assets safe as our unsecured personal loan does not require collateral.
Why it matters: No asset risk makes borrowing stress-free.
- Flexible tenure – Choose a repayment tenure up to 96 months. Plan repayment better by using the personal loan EMI calculator.
Why it helps: Flexible EMIs that fit your budget.
- No unexpected fees – Our loan carries no undisclosed charges. Read the terms and conditions to be fully informed.
Pro tip: Review all fees upfront to avoid surprises.
- Basic documents only – Apply stress-free with documents required for our personal loan.
Why it matters: Less paperwork for faster processing.
- Flexi facility – Our Flexi Loan facility lets you reduce EMIs with interest-only payments initially with the Flexi Hybrid Term Loan variant.
Why it helps: Lower initial EMIs ease cash flow.
- Easy virtual management – Track and manage your loan via our customer portal, My Account.
Pro tip: Set up auto-pay to avoid missed payments.
Eligibility criteria to get a personal loan for Rs. 70,000
You can easily get the funds you need with the below criteria:
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Eligibility criteria
- Nationality: Indian
- Age: 21 years to 80 years.
- Employed with: Public, private, or MNC.
- CIBIL Score: 685 or higher.
- Customer profile: Self-employed or Salaried
*You should be 80 years or younger, at the end of the loan tenure.
Calculate your eligibility with the personal loan eligibility calculator.
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Documents required
- KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
- PAN card
- Employee ID card
- Salary slips of the last 3 months
- Bank account statements of the previous 3 months
- Piped gas bill
- Pension order
- Letter of Allotment of Accommodation Issued by Employer
- Property / Municipal tax receipt
- Utility bill
- Phone bill
- Real-time image / photograph
- Ration card
Check your eligibility for personal loan using just mobile number and OTP – 100% online process.
Interest rates and fees for Rs. 70,000 personal loan
We offer personal loans at attractive interest rates without any hidden or undisclosed costs. Browse through our terms and conditions to see the clearly defined fees and charges. For a clearer understanding of interest rates use an online interest calculator.
Purpose of Rs. 70,000 personal loans
- Travel expenses – Plan your dream vacation with an instant loan for travel.
Why it matters: No upfront cost delays your trip. - Wedding costs – Cover venue, catering, and attire with an insta personal loan for wedding.
Pro tip: Budget all expenses to avoid overspending. - Higher education – Fund tuition or courses with an insta personal loan for higher education.
Why it matters: Invest in skills for future earnings. - Medical emergencies – Handle sudden health costs with an insta personal loan for medical emergency.
Pro tip: Keep some buffer for follow-up treatments. - Home expenses – Renovate or repair with an insta personal loan for home expenses.
Why it helps: Keep your living space safe and comfortable.
How to apply for a personal loan of Rs. 70,000
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Apply for a Rs. 70,000 personal loan in no time by following these steps:
- Click on ‘CHECK ELIGIBILITY’ on this page.
- Enter your 10-digit mobile number and the OTP sent to your phone.
- Check if you have an offer. If not, fill in the application form with your basic loan details, such as your full name, PAN, date of birth, and PIN code.
- Now, click on ‘PROCEED’ to visit the loan selection page.
- Enter the offer or loan amount that you need. Choose from our personal loan variants.
- Choose the repayment tenure and click on ‘PROCEED’.
- Complete your KYC and submit your application.
Our representative will contact you for further steps.
Key offerings: 3 loan types
Personal loan interest rate and applicable charges
Type of fee |
Applicable charges |
Rate of Interest per annum |
10% to 31% p.a. |
Processing fees |
Up to 3.93% of the loan amount (inclusive of applicable taxes). |
Flexi Facility Charge |
Term Loan – Not applicable Flexi variant - A fee will be deducted upfront from the loan amount (as applicable below)
*All the Flexi facility charges above are inclusive of applicable taxes *Loan amount includes approved loan amount, insurance premium, and VAS charges. |
Principal Holiday Facility Fees |
Above charges are inclusive of applicable taxes & will be deducted upfront from loan amount *(Loan amount includes approved loan amount, Insurance Premium & VAS Charges) |
Bounce charges |
Up to Rs. 1,200 per bounce. |
Pre-payment charges |
Full pre-payment
Part pre-payment
*Foreclosure will be processed post clearance of first EMI |
Penal charge |
Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount. |
Stamp duty (as per respective state) |
Payable as per state laws and deducted upfront from loan amount. |
Annual maintenance charges |
Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount during the initial tenure. Up to 0.295% (inclusive of applicable taxes) of total withdrawable amount during subsequent tenure. |
Broken period interest / Pre-monthly Instalment interest |
Method of recovery of "Broken Period Interest/Pre monthly instalment Interest" would be as follows:
Scenario 1: If Loan is disbursed on 1st or post 10th of the month: |
Note: Additional cess if any, will be applicable to all charges according to state law.
*Terms and conditions apply.
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Disclaimer
Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.