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Instant Loan in Sikkim

Sikkim is a north-eastern state of India, is part of the Himalayas, and is renowned for its rich biodiversity. The prominent Kanchenjunga peak is the closest to this state. Therefore, tourism and agriculture form the two major revenue-generating sectors of Sikkim.

If you are residing here, seek a personal loan in Sikkim from Bajaj Finserv to cover all expenses. Apply online today.

  • Online loan account access

    Online account management

    Manage your loan account online through our customer portal – Experia.

  • High loan amount

    Bajaj Finserv provides unsecured credit of up to Rs. 25 lakh in Sikkim for multiple uses.

  • Minimal documentation

    Minimal documents

    Submit only a few basic documents to get your personal loan and enjoy quick approval online.

  • Flexible tenors

    Easy repayment tenor

    With the online personal loan EMI calculator, you can now choose up to 60 months as your tenor.

  • Transparent policy

    Our transparent policy signifies that you get the funds and pay no hidden charges on the same.

  • Approval in a few minutes

    You won’t have to wait for hours or days. We process the loan immediately and give you faster approval.

  • Money in bank in 24 hours*

    It is easy to access instant funds from Bajaj Finserv as money is credited within a day* of approval.

  • Pay up to 45% lower EMI

    Flexibility in repayment

    Bring down the EMIs on your personal loan by up to 45%* and repay the utilised amount at your convenience, with the Flexi facility.

  • Pre-approved offers

    Pre-approved offers

    Save more time by applying for a personal loan online using pre-approved offers. Enter basic details only to view and avail.

Sikkim is blessed with the amazing natural beauty of the Himalayas. A UNESCO World Heritage site, the Khangchendzonga National Park covers around 35% of this state. Economy-wise, the largest share of India’s cardamom production is held by Sikkim. It is also the 2nd largest spice producer in the world. Besides, the state has several small industries including mining, watchmaking, brewing, tanning and distilling.

To provide trusted financing to borrowers, Bajaj Finserv brings instant personal loans in Sikkim with excellent features. Eligible applicants can submit an online application form and get fast approval in minutes. The documentation process is also simple and hassle-free. Once the verification is done successfully, money is credited to the borrower’s account within 24 hours*. Enjoy the best loan with flexible terms and conditions from Bajaj Finserv.

Eligibility Criteria for Instant Personal Loan in Sikkim

Learn about the eligibility criteria for personal loan and increase your chances of approval.

Age: Within 20 to 60 years of age

Employment: Salaried employee of a reputed MNC, public or private limited company

Minimum income: It varies with city of residence.

Nationality: Resident Indian

CIBIL score: 750 or above

Use the Bajaj Finserv Eligibility Calculator online to know the maximum amount you can avail. After application, you can easily check its status and various loan information on our customer portal – Experia.

Interest Rates and Charges on Instant Loan in Sikkim

Check the latest personal loan interest rates and associated fees to know the total cost of taking the loan.

Contact Us

If you are a new customer, call us at 1800-103-3535 or SMS ‘PL’ to 9773633633 for more information about a personal loan in Sikkim.

If you are an existing customer, may reach us at 020-3957 5152 or drop us an email at:

*Conditions apply

Frequently asked Questions

1. What happens if I don’t meet the eligibility criteria?

Failing to meet all the eligibility criteria increases your chances of rejection. Also, you may have to pay a higher interest rate and follow strict terms and conditions.

2. I already have a loan. Can I apply for another?

Yes, you can apply for a new personal loan but the lender will check your repayment capability and other financial aspects before approval. Note that if you apply for multiple loans together, it may adversely impact your CIBIL score, which may in turn lead to rejection.

3. Where can I use the money?

Bajaj Finserv has zero restrictions on loan use. So, you can expend or invest the money whichever way you want to. Some of the purposes can be home renovation, debt consolidation, wedding, healthcare, medical emergencies, travel, business expansion, etc.

4. What is the minimum salary required to apply for a loan?

It depends on where you are residing in India currently. The minimum requirement starts from Rs.22,000 per month.

5. Do I need to keep an asset against the loan?

Bajaj Finserv Personal Loan is collateral-free. Hence, you need not keep any asset as collateral, nor bring a guarantor. Get approval based on the eligibility criteria only.