Personal Loan in Ramagundam

Personal Loan in Ramagundam

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

FAQs

Rs. 40000 - Rs. 55 lakh

You may be eligible for a pre-approved offer

Check now

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

Bajaj Finserv in your city

  • Looking for fast and easy funds in Ramagundam? Whether it’s for a medical emergency, home renovation, education, travel, or wedding expenses, a Bajaj Finserv Personal Loan in Ramagundam can help you get up to Rs. 55 lakh — with zero collateral and 100% digital approval.


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

Ramagundam, one of the key industrial hubs of Telangana, is best known for its thermal power stations, cement factories, and coal industries. With its growing economy and infrastructure, the city is seeing rising financial needs—from personal milestones like weddings and education to urgent medical expenses and home upgrades.


A personal loan in Ramagundam offers a quick and flexible way to meet such goals, without the stress of lengthy approvals or paperwork.

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Features and benefits of personal loan in Ramagundam

  • Online account management

    Access our dedicated customer portal – My Account, and keep track of your EMI payments and outstanding amount 24/7.

  • No guarantor or collateral needed

    Get a high-value personal loan in Ramagundam without collateral or guarantor.

  • High-value loan

    With a Bajaj Finserv Personal Loan, you can get funds from Rs. 40000 to Rs. 55 lakh

  • Complete transparency

    We maintain 100% transparent terms and conditions while providing a personal loan. No hidden charge is imposed.

  • Instant loan approval

    With proper documentation and eligibility, we approve the funds instantly. Fill up the online application form first.

  • Minimal paperwork

    Submit only a few necessary documents to avail of a Bajaj Finserv Personal Loan with faster processing.

  • Money in 24 hours*

    Get the sanctioned loan amount in your account within 24 hours* of approval. Start using immediately.

  • Pre-approved loan offer

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

  • Flexible repayment options

    You can spread your repayment from 12 months to 96 months, which means manageable EMIs right from the start.

Ramagundam is an industrialised city in Telangana. It is a major centre for thermal power generation in Southern India. The NTPC set up several power stations in this area that contribute to the state’s GDP.


The residents of this city can opt for a personal loan in Ramagundam at affordable rates and simple terms. Use this advance for your child’s education, to plan a wedding, for debt consolidation, and even for travelling.


Apply online now for attractive deals on this collateral-free credit.


*Conditions apply

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Eligibility criteria and documents for personal loan in Ramagundam

You can easily get the funds you need in Ramagundam 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 Ramagundam

  • 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 personal loan variants.
    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