Rs. 70,000 personal loan

Approval in minutes

Fulfill our simple eligibility parameters to get approval within 5 minutes* on your loan application.
Fast fund transfer

Access your personal loan amount of Rs. 70,000 within 24 hours* of approval.
Collateral-free finance

Keep your assets safe as our unsecured personal loan does not need collateral.
Flexible tenure

Choose a repayment tenure of up to 96 months based on your comfort. Plan repayment better by using the personal loan EMI calculator.
No unexpected fees

Our loan does not come with any undisclosed charges, so there are no surprises later. Go through our terms and conditions to be informed.
Basic documents only

Apply stress-free with documents required for our personal loan for the application of a personal loan of Rs. 70,000.
Up to 45%* less EMI

Our Flexi Loan facility allows you to reduce monthly payments by up to 45%* with interest-only EMIs.
Easy virtual management

Our customer loan account allows you to track and manage your loan anytime, anywhere.

Personal loan for a salary of Rs. 70,000

With flexible terms and competitive rates, you can secure a Rs. 70000 personal loan, with an interest rate that fits your budget. Bajaj Finserv now offers loan of up to 40 lakh, making it easier than ever to meet your financial needs. Whether you're planning a wedding, funding education, or managing unexpected expenses, Rs. 70000 personal loan can provide the necessary funds quickly. You can apply for a personal loan online through various platforms, ensuring a hassle-free experience. Visit Bajaj Finserv today to explore your options and find the best deal tailored to your requirements.

Nationality

Indian
Age

21 years to 80 years*
CIBIL Score

685 or higher

Calculate your eligibility with the Personal Loan Eligibility Calculator.

When applying for personal loan of Rs. 70,000, specific documents are necessary to streamline the approval process. Typically, you'll need to provide proof of identity, such as an Aadhar card or passport, and proof of income, like recent salary slips or bank statements.

The documentation requirements for a personal loan can vary from lender to lender. Below are the documents that are required to be submitted when applying for a Bajaj Finance Personal Loan:

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

Apply for a Rs. 70,000 personal loan in no time by following these steps:

Click on the ‘APPLY ONLINE’ button to go to the form
Share your basic contact information and authenticate yourself with an OTP
Fill the form with employment, financial, and personal details
Attach the pertinent documents and submit the form

A Bajaj Finance representative will contact you about the last few steps to get your loan of Rs. 70,000 transferred to your bank account.

*Conditions apply

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.

Type of fee	Applicable charges
Rate of interest	10% to 31% p.a.
Processing fees	Up to 3.93% (Inclusive of applicable taxes) of the loan amount.
Flexi Fee	Term Loan – Not applicable Flexi variant - A fee will be deducted upfront from the loan amount (as applicable below) Up to Rs. 1,999/- for loan amount less than Rs. 2,00,000 Up to Rs. 3,999/- for loan amount from Rs. 2,00,000 to Rs. 3,99,999 Up to Rs. 5,999/- for loan amount from Rs. 4,00,000 to Rs. 5,99,999 Up to Rs. 7,999/- for loan amount from Rs. 6,00,000 to Rs. 9,99,999 Up to Rs. 8,999/- for loan amount from Rs. 10,00,000 to Rs. 14,99,999 Up to Rs. 9,999/- for loan amount from Rs. 15,00,000 to Rs. 19,99,999 Up to Rs. 10,999/- for loan amount from Rs. 20,00,000 to Rs. 24,99,999 Up to Rs. 11,999/- for loan amount from Rs. 25,00,000 to Rs. 29,99,999 Up to Rs. 12,999/- for loan amount of Rs. 30,00,000 and above All the Flexi charges above are inclusive of applicable taxes Loan amount includes approved loan amount, insurance premium, and VAS charges.
Bounce charges	Up to Rs. 1,200/- per bounce “Bounce charges” shall mean charges for (i) Dishonor of any payment instrument; or (ii) Non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.
Part-prepayment charges	Full Pre-payment: Foreclosure can be processed post clearance of first EMIs. •Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment. •Flexi Term Loan (Flexi Dropline): Up 4.72% (Inclusive of applicable taxes) of the Dropline limit as per the repayment schedule as on the date of full prepayment. •Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) of the Dropline limit as per the repayment schedule as on the date of full prepayment. Part Pre-payment: •Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment. •Not Applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid Term Loan.
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 Dropline limit (as per the repayment schedule) on the date of levy of such charges Flexi Hybrid Term Loan: Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit during Initial Tenure. Up to 0.295% (Inclusive of applicable taxes) of Dropline limit during Subsequent Tenure

Note: Additional cess if any, will be applicable to all charges according to state law.

*Terms and conditions apply.

Purpose of Rs. 70,000 Personal Loans

A Rs. 70,000 personal loan is a versatile financial solution to cater to various immediate needs. Here are some common purposes for such loans:

Travel expenses: Plan your dream vacation without worrying about upfront costs. Opt for an i nstant loan for travel and pay for flights, accommodation, and activities conveniently.
Wedding costs: Cover wedding-related expenses, from venue bookings to attire and catering. An insta personal loan for wedding helps make your special day memorable without financial stress.
Higher education: Manage tuition fees or related costs with ease by applying for a insta personal loan for higher education and invest in a better future.
Medical emergencies: Tackle unexpected medical expenses swiftly with a insta personal loan for medical emergency to ensure uninterrupted care for your loved ones.
Home expenses: Renovate, repair, or upgrade your living space effortlessly using a insta personal loan for home expenses and enhance your home’s comfort and functionality.

These loans provide quick disbursal, minimal paperwork, and flexible repayment options, making them ideal for addressing urgent financial needs.

Other instant personal loan options

Rs. 30,000 Personal Loan	Rs. 40,000 Personal Loan
Rs. 25,000 Personal Loan	Rs. 50,000 Personal Loan
Rs. 60,000 Personal Loan	Rs. 80,000 Personal Loan

Frequently asked questions

The minimum salary to get our personal loan is Rs. 25,001.

A CIBIL Score of 685 or higher is required to get our personal loan.

You can get a loan even if you get a cash salary.

It is challenging to avail a Rs. 70,000 loan without income proof. Most lenders require some form of income verification, but alternative documentation might be accepted in certain cases.

To secure a Rs. 70,000 loan without a salary slip, consider providing alternative income proof, such as bank statements or tax returns. Some lenders may accept self-employment documentation as well.

Yes, you can get a Rs. 70,000 personal loan without any collateral, subject to the lender’s terms and eligibility criteria.

To get Rs. 70,000 instantly, consider applying for an instant personal loan through banks or online lenders. Ensure you meet eligibility criteria and have all necessary documents ready for quicker processing.

The EMI depends not only on the amount, but the tenure and interest rate as well.

The monthly payment on a Rs. 70,000 loan depends on the interest rate and tenure. Using an EMI calculator can help you estimate payments based on these factors.