Bajaj Finserv in your state

Sikkim, located in northeast India, is a part of the Himalayas and is known for its rich biodiversity. The famous Kanchenjunga peak is the closest to this state. Therefore, tourism and agriculture are the two major revenue-generating sectors of Sikkim.

If you live in this state, you can get a personal loan from Bajaj Finserv to cover any unplanned or planned expense. Just walk into a branch or apply online to get started.

Features and benefits of personal loans in Sikkim

  • Online account management

    Online account management

    Manage your loan account online using your log-in credentials on our customer portal, Experia.

  • High loan amount

    High loan amount

    Bajaj Finserv provides unsecured credit of up to Rs. 35 lakh in Sikkim for varied use.

  • Minimal documentation

    Minimal documentation

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

  • Easy repayment tenor

    Easy repayment tenor

    With the online personal loan EMI calculator, you can now choose a period of up to 84 months as your tenor.

  • Transparent policy

    Transparent policy

    Our transparent policy means you pay no hidden charges on the loan.

  • Approval in a few minutes

    Approval in a few minutes

    You won’t have to wait for hours or days for approval. We process the loan application immediately.

  • Flexibility

    Flexibility

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

  • Money in the bank in %$$PL-Disbursal$$%*

    Money in the bank in 24 hours*

    It is easy to access instant funds from Bajaj Finserv as the money is credited within 24 hours* of approval.

  •  Pre-approved offers

    Pre-approved offers

    Save time by applying for a personal loan online with pre-approved offers. Enter basic details to know your offer.

Sikkim is blessed with the natural beauty of the Himalayas, virgin forests, rhododendron flowers, waterfalls and more. 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 comes from Sikkim. It is also the second-largest spice producer in the world. The state also has several small industries, including mining, watchmaking, brewing, tanning and distilling.

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

*Conditions apply

Read More Read Less

Eligibility criteria for personal loans in Sikkim

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

  • Age

    Age

    Between 21 years and 67 years*

  • Employment

    Employment

    Salaried individual employed at a private/ public firm or an MNC

  • Minimum income

    Minimum income

    Check the city list to know the salary requirements for your city

  • Nationality

    Nationality

    Resident Indian

  • CIBIL score

    CIBIL score

    750 or above

Use the Bajaj Finserv Eligibility Calculator online to know the maximum loan amount you can avail of. After applying, you can check information about your loan on our customer portal, Experia.

Read More Read Less

Interest rates and charges

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

Frequently asked questions

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

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

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

You can apply for a new personal loan, but the lender will check your repayment capability and other financial aspects before approval. Please note that applying for multiple loans may adversely impact your CIBIL score, leading to rejection.

Where can I use the money?

Bajaj Finserv imposes no restrictions on loan use. So you can expend or invest the money in any way you want. You can use the money for home renovation, debt consolidation, weddings, healthcare, medical emergencies, travel, business expansion, etc.

What is the minimum salary to apply for a loan?

It depends on where you are living in India. The minimum requirement starts from Rs. 22,000 a month.

Do I need to pledge an asset against the loan?

A Bajaj Finserv Personal Loan is collateral-free. Hence, you need not pledge any asset as collateral or bring a guarantor. Get approval based on the eligibility criteria.

Read More Read Less