Personal Loan in Panchkula

Personal Loan in Panchkula

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

FAQs

Rs. 40,000 - Rs. 55 lakh

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

Check now

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

Bajaj Finserv in your city

  • A Bajaj Finserv Personal Loan in Panchkula is a reliable way to meet life’s urgent and important expenses. With fast online approval, flexible terms, and no need for collateral, it is designed to keep things simple and stress-free.


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

Panchkula, part of the Chandigarh Tricity region, is a well-planned city in Haryana known for its greenery, peaceful lifestyle, and urban development. With expanding residential sectors, educational institutions, and healthcare facilities, the need for easy and fast personal financing is also growing. A personal loan in Panchkula offers the ideal solution for diverse financial needs.


*Terms and conditions apply

Show More Show Less

Features and benefits of personal loan in Panchkula

  • Flexible repayment tenure

    You can choose a repayment tenure ranging from 12 months to 108 months. Use the personal loan EMI calculator for personal loans to plan your repayment.
     

  • High-value loan

    Meet all your financing requirements with personal loans of up to Rs. 55 lakh. Check your personal loan eligibility before you apply.

  • Zero hidden charges

    With complete transparency on our terms and conditions, there are no hidden charges on our personal loans.

  • Swift loan approval

    Existing customers are already pre-approved for personal loans. New applicants can get approval in just 5 minutes*.

  • Online loan account management

    Manage your loan account with our dedicated customer portal - My Account. Monitor your loan account from anywhere and at any time.

  • Pre-approved offers

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

Situated in Haryana, Panchkula is famous for the Chandimandir Cantonment, the Western Command headquarters for the Indian Army. It also houses the Ramgarh fort, built by the King of Bilaspur around 360 years ago. In addition to this, the city is famous for having many ancient Sikh religious sites like Nada Sahib, Lakhnaur Sahib, Panjokhra Sahib, and Haryoli.


The residents of this city can opt for an affordable personal loan from Bajaj Finance with minimal documentation. Address your financial needs with our affordable financing. Use the loan amount to finance your child’s education or plan a wedding in your family, travel, home renovation and many other purposes.


*Conditions apply

Show More Show Less

Eligibility criteria and documents for personal loan in Panchkula

You can easily get the funds you need in Panchkula 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. 

Show More Show Less

How to apply for personal loan in Panchkula

  • 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.

Show More Show Less

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.

Locate your nearest branch

Banner_NEW_Storelocator_XAOP_App_22042026.png

Related articles

Article 1

Read More

 Article 2

Read More

 Article 3

Read More

 Article 4

Read More

You are here

Related Links

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