Personal Loan in Aligarh

Personal Loan in Aligarh

Check your eligibility for personal loan in Aligarh with your phone and OTP - no branch visit needed.

Rs. 40,000 - Rs. 55 lakh

You may be eligible for a pre-approved offer in Aligarh

Enter mobile and OTP | Check offer | No branch visit needed

Bajaj Finserv in your city

  • Are you looking for quick financial assistance in Aligarh to manage unexpected expenses, fund a dream project, or consolidate debts? A Bajaj Finserv Personal Loan can be your go-to solution. Offering high loan amounts, flexible repayment options, and instant online approval, Bajaj Finance ensures you get the funds you need without hassle.


    Check your pre-approved loan offer in Aligarh with phone number and OTP → Apply online in 5 minutes → Receive funds within a day*.

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Features of a personal loan in Aligarh

  • Flexible tenures

    Select any tenure from 12 months to 96 months after checking our personal loan EMI calculator tool.

  • Online account

    Our online account facility makes it easier for borrowers to check all loan information instantly

  • Pre-approved offers

    You can check if you have a pre-approved offer for a personal loan in Aligarh with just your phone number and OTP – no need to visit the branch.

  • No hidden rates

    Thanks to our transparent terms and conditions, you need not pay any underlying fees on the loan borrowed

  • Few documents

    Instead of lengthy paperwork, provide only a few documents for verification

  • Higher loan amount

    Check the personal loan eligibility criteria and apply for funds rom Rs. 40,000 to Rs. 55 lakh.

  • Loan in account within 24 hours*

    Bajaj Finance transfers the approved personal loan amount to your bank within 24 hours* only.

  • Quick loan approval

    Approval time is less with Bajaj Finance. We take only a few minutes for the process

  • Unsecured loan

    With no collateral, a personal loan in Aligarh is a risk-free option for those looking for quick finance

  • Flexi facility

    Make multiple withdrawals from a dropline limit and pay interest only on the withdrawn funds, with our Flexi facility.

Individuals looking for additional funding can approach Bajaj Finance for a personalised loan in Aligarh. We have a simple application process. On meeting our eligibility criteria, avail of funds up to Rs. 55 lakh. Walk into your nearest branch or submit your loan application form online without pledging any collateral. We offer flexible repayment options. Borrowers can choose a repayment tenure of up to 96 months according to their convenience.


*Conditions apply

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Eligibility criteria and documents for personal loan in Aligarh

You can easily get the funds you need with the below criteria:

  • Eligibility criteria

    • Nationality: Indian
    • Age: 21 years to 80 years.
    • Employed with: Public, private, or MNC.
    • CIBIL Score: 650 or higher.
    • Customer profile: Self-employed or Salaried

    *You should be 80 years or younger, at the end of the loan tenure.

  • 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. 

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How to apply for personal loan in Aligarh

  • Step-by-step guide to apply for a personal loan

    1. Click on ‘CHECK ELIGIBILITY’ on this page.
    2. Enter your 10-digit mobile number and the OTP sent to your phone.
    3. 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.
    4. Now, click on ‘PROCEED’ to visit the loan selection page.
    5. Enter the offer or loan amount that you need. Choose from our personal loan variants.
    6. Choose the repayment tenure and click on ‘PROCEED’.
    7. Complete your KYC and submit your application.

    Our representative will contact you for further steps.

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Key offerings: 3 loan types

Personal loan interest rate and applicable charges

Type of fee

Applicable charges

Rate of interest per annum

10% to 30% p.a.

Processing fees

Up to 3.93% of the loan amount (inclusive of applicable taxes).

Flexi Facility Charge

Term Loan – Not applicable

Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes)

Will be deducted upfront from loan amount.

Bounce charges

Rs. 700 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:

  • 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 (Dropline) Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

  • Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, 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 (Dropline) Loan 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 (Dropline) Loan:

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 0.472% (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

Disclaimer

Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.
For customer support, call Personal Loan IVR: 7757 000 000