Personal Loan in Karad

Personal Loan in Karad

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

Loan Types

FAQs

FAQs

Video

Video

Rs. 40,000 - Rs. 55 lakh

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

Check now

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

Bajaj Finserv in your city

  • Karad, known for its vibrant culture and growing economy, has seen an increasing demand for instant financial solutions. Bajaj Finance offers a range of personal loan options tailored to meet the diverse needs of residents in Karad. Whether you are salaried or self-employed, the flexible repayment tenures and minimal documentation make this loan an ideal choice.


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


Located in Maharashtra’s Satara district, Karad sits at the confluence of the Krishna and Koyna rivers, earning it the name Preeti Sangam. The city is known for its fertile agricultural land, sugarcane cultivation, and scenic spots like Sadashivgad Hill and Agashiv Caves. With a growing presence of educational institutions, healthcare facilities, and small industries, Karad offers a blend of rural charm and modern amenities.


If you need funds for a wedding, medical expense, higher education, or home renovation, a Bajaj Finance Personal Loan in Karad offers instant, collateral-free financing tailored to your needs.


*Terms and conditions apply.

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Features and benefits

  • High-value personal loan

    Address your financial needs with our high-value personal loan. Apply now and get a loan of up to Rs. 55 lakh based on your eligibility.

  • Money in 24 hours*

    Bajaj Finance has one of the fastest personal loan application processes. We send the money to your bank account in only 24 hours* after loan approval.

  • Flexible loan repayment terms

    Repay your loan with ease with flexible repayment terms of up to 108 months. Use the Personal Loan EMI Calculator to plan your finances.

  • Pay no hidden charges

    Our terms and conditions are 100% transparent and easy to meet. We do not levy any hidden charges.

  • Loan approval in just 5 minutes*

    Bajaj Finance provides super-fast loan approval that takes only 5 minutes*, provided you meet the Personal loan eligibility criteria.

  • Manage your loan online

    You can check your loan amount, make payments, and access loan statements with our customer portal - My Account.

  • Check your pre-approved offer

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

  • Few basic documents required

    You need to submit only a few documents required for a personal loan to complete the application.

  • No collateral needed

    Bajaj Finance does not require you to provide any asset as collateral to access the funds.

Karad is the second-largest city in the Satara district and an important industrial hub. It is well known for its sugar production and is an emerging real estate destination. It also houses important historical locations like the Sadashivgad Hill, Vasantgad fort, Devi Krishnamai temple, and others.


 

Bajaj Finance extends its personal loan for the residents of the city of Karad, requiring urgent funds. This is an unsecured loan requiring no collateral and only minimal documents. Bajaj Finserv Personal Loan offers high sums of up to Rs. 55 lakh and super-fast loan approval.You can easily fulfil the necessary eligibility requirements and get a loan at attractive personal loan interest rates and nominal charges.  


 

*Conditions apply

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Eligibility criteria and documents for personal loan in Karad

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
    • 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 Karad

  • 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.


Our Personal Loan branches in Karad

Personal Loan In Shaniwar Peth, Karad
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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

Credit guarantee scheme feeUp to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount
Credit guarantee scheme renewal feeUp to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year.
*Renewal Fee to be collected only for 3 subsequent financial years.
 
**If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated.

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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