Personal Loan in Punjab

A Bajaj Finserv Personal Loan in Punjab makes borrowing simple and stress-free. With quick online approval, zero collateral, and flexible tenures, you can handle any financial situation confidently — no matter where you live in the state.

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

Quick approval

With proper eligibility and documentation, the loan approval takes only a few minutes.

Flexible terms

Choose a tenure up to 96 month and utilise a personal loan EMI calculator for better calculation.

Check pre-approved offers

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

Get funds of up to Rs. 55 lakh

1. Fulfil the eligibility criteria and get an advance up to Rs. 55 lakh.. You can use these funds for any financial requirements.

Collateral-free fund

Avail of a personal loan from Bajaj Finance without keeping an asset as security and qualify for it easily.

Minimal documentation

Submit only a handful of documents and speed up the loan approval process. Submit the application form alongside.

Manage account online

Access your loan account using the customer portal - My Account. Check upcoming EMI payment dates and other details online.

Money in the account within the same day*

After the verification, the money gets credited within the same day* of approval to your account.

Transparent policies

Bajaj Finance offers personal loan finance that comes with transparent terms and conditions.

Eligibility criteria

• Nationality: Indian
• Age: 21 years to 80 years.
• Employed with: Public, private, or MNC.
• CIBIL Score: 685 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

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.