Personal Loan in Bihar

Personal Loan in Bihar

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

Loan Types

FAQs

FAQs

Rs. 40,000 - Rs. 55 lakh

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

Check now

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

Bajaj Finserv in your state

  • Whether you live in Patna, Gaya, Bhagalpur, or any other city in Bihar, managing major expenses has never been easier. A Bajaj Finserv Personal Loan in Bihar offers up to Rs. 55 lakh with instant approval and disbursal in just 24 hours*, without any need for collateral. The process is 100% online—simple, secure, and fast.


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

Bihar is one of India's most culturally rich and rapidly developing states. From growing infrastructure in urban centres to expanding opportunities in education, healthcare, and commerce—financial needs are evolving across the state. Whether you’re planning a wedding, pursuing higher studies, or starting a small business, a personal loan in Bihar can be your ideal financial solution.


*Terms and conditions apply

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Features of personal loans in Bihar

  • Quick approval

    Fill our online application form to get your personal loan approved swiftly.

  • Pre-approved offers

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

  • Borrow up to Rs. 55 lakh

    Meet all your monetary needs using a Bajaj Finserv Personal Loan of up to Rs. 55 lakh.

  • Money in bank within 24 hours*

    Once the loan is approved, the money is credited to your account within 24 hours*.

  • Minimal documentation

    You will only need some basic documents such as KYC documents, income proof, and account statements.

  • Repay over 108 months

    Choose a convenient repayment schedule from tenures going up to 108 months.

  • Zero hidden fees

    We assure you of affordable rates as per policy. Pay no hidden charges on personal loans.

  • Online loan management

    Track your EMI payments, outstanding principal, payable interest, etc., through our online account management facility on My Account.

Bihar’s economy has developed significantly over the years. The state is the eighth-largest producer of fruit and the fourth-largest producer of vegetables in India. Some of the major products coming from Bihar are rice, cauliflower, sunflower, rice, lady’s finger, mango, litchi, brinjal and guava. Bihar is also known for its traditional Madhubani paintings, music and culture.


Personal loans from Bajaj Finance are personalised for customers in Bihar to fulfil all monetary needs. Borrowers need not pledge any asset to avail of the loan. They can also choose a convenient repayment tenure of up to 108 months.


Our online account management facility allows borrowers to access their loan accounts 24/7. They can check their loan status, upcoming EMIs, payment due dates, outstanding principal and other details through our customer portal, My Account.


*Conditions apply
 

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Eligibility criteria and documents for personal loan in Bihar

You can easily get the funds you need in Bihar 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
    • 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 Bihar

  • 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 three personal loan variants –Term, Flexi Term, and Flexi Hybrid Term.
    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

  • Flexi Hybrid Term Loan
  • Flexi Term (Dropline) Loan
  • Term Loan

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    You can pay interest-only EMIs for up to 36 months, after which, the EMI will consist of both, the principal and the interest. EMI is applicable only on the withdrawn amount.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest on the loan amount you withdraw.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Amount disbursed in one go
    The entire loan amount is disbursed at the start.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest.

  • Flexi facility charges
    No Flexi facility charges.

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

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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*.
For customer support, call Personal Loan IVR: 7757 000 000