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Bajaj Finserv App

Personal Loan
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Features and Benefits of Personal Loan in Gangtok

Gangtok is the capital of Sikkim and a major centre for cottage industries and handicrafts. With dozens of eco-tourism activities such as mountaineering, river rafting, trekking, and others on offer, Sikkim is one of the most popular tourist destinations in North-east India.

If you are a resident of Gangtok and are looking for instant finance, check out private financiers such as Bajaj Finserv. With easy-to-meet eligibility criteria, quick disbursal, and a large loan sanction, you can get the money you need at attractive interest rates.

Check out the features and benefits of instant personal loans in Gangtok from Bajaj Finserv.

  • Flexible tenors

    Flexible tenors up to 60 months

    Repay your personal loan over a tenor that suits you. Choose from tenors ranging up to 60 months.

  • No hidden charges

    As one of the most trusted private lenders in the country, Bajaj Finserv is completely transparent with all the fees and charges applicable on your personal loan. Read our transparent policy and plan your finances accordingly.

  • Instant approval

    Enter your basic details via our easy online application form and get instant approval on your Bajaj Finserv Personal Loan.

  • Loan disbursal in just 12 hours*

    When you apply for your personal loan online, you can get the money in your bank in as little as 12 hours* from the time of approval.

  • Large sanctions of up to Rs.25 lakh

    Borrow up to Rs.25 lakh and use the amount to finance pretty much anything you need – from a wedding to a vacation, consolidate debt, manage a medical emergency, and more.

  • Minimal documentation

    Minimal paperwork

    Submit only a few essential documents and get your personal loan approved in an instant.

  • No guarantor needed

    Avail a Bajaj Finserv Personal Loan by meeting the simple eligibility criteria. No need to have a guarantor or pledging any collateral.

  • Pre-approved offers

    Pre-approved offers

    Avail an instant loan in just three steps by checking your pre-approved offer.

  • Online loan account

    Log in to our customer portal - Experia and stay updated about your loan repayment and other details.

  • Flexi Loan facility

    Pay interest only for the utilised loan amount for the initial part of the tenor and lower your loan EMIs by up to 45% with the Flexi Loan facility.

Eligibility Criteria for Personal Loan in Gangtok

Increase your chances of approval by fulfilling the simple personal loan eligibility criteria.

Criteria for Eligibility Requirements
Age 23 to 55 years
Income stability Salaried individual (Employed with a public/private company or an MNC)
Nationality Indian (Residing in India)
Credit score More than 750

Interest Rates and Charges for Personal Loan in Gangtok

Learn about the fees and charges as well as the attractive interest rates applicable on your personal loan. Use the online personal loan EMI calculator to plan your finances.

Applicable Charges Rate/Amount
Personal loan interest rates 12.99% onwards
Processing fees Up to 4.13% on the loan amount
Penal interest 2% + taxes on EMI or Rs.200 (Higher of the two)
Secure fee Rs.4,499 (For online approval only)
Bounce fees Between Rs.600 and Rs.1,200 (Tax included)

Contact Us

Call us at 1800-103-3535 or send an SMS ‘PL’ to 9773633633 for more details about a Bajaj Finserv Personal Loan in Gangtok if you are a new customer.

Contact us at 020-3957 5152 or write in at if you are an existing customer.

*Conditions apply