Personal Loan in Sikkim

Personal Loan in Sikkim

Check your eligibility for personal loan in Sikkim with your phone and OTP - no branch visit needed.
Loan Types

Loan Types

FAQs

FAQs

₹40,000 - ₹50 Lakh

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

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

Bajaj Finserv in your state

  • Sikkim, with its peaceful lifestyle and growing infrastructure, is home to salaried professionals, self-employed individuals, and small business owners alike. Whether you are planning a wedding, a trip abroad, home renovation, or managing a medical emergency, a Bajaj Finserv Personal Loan in Sikkim offers a reliable and fast financial solution.

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

    You can get up to Rs. 55 lakh, enjoy 100% online approval, and receive funds in just 24 hours*—all without needing to visit a branch.

Known for its natural beauty and high literacy rate, Sikkim has seen consistent development across sectors like tourism, education, and public services. Residents in towns like Gangtok, Namchi, and Gyalshing often look for easy financing options to manage life’s expenses. A personal loan in Sikkim helps individuals meet personal or family needs without compromising their savings or peace of mind.

*Terms and conditions apply

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Features of personal loan in Sikkim

  • Online account management

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

  • High loan amount

    Bajaj Finance provides unsecured credit of up to Rs. 55 lakh in Sikkim for varied use.

  • Minimal documentation

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

  • Pre-approved offers

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

  • Easy repayment tenure

    With the online personal loan EMI calculator, you can now choose a period of up to 96 months as your tenure.

  • Transparent policy

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

  • Approval in a few minutes

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

  • Flexibility

    Choose from 3 unique variants of personal loan as per your need. Term Loan, Flexi Term Loan, Flexi Hybrid Term Loan.

  • 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.

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 Finance 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 from Bajaj Finance.

*Conditions apply

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Eligibility criteria for personal loan in Sikkim

You can easily get the funds you need in Sikkim with the below criteria:

  • 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

Check your eligibility for personal loan using just mobile number and OTP – 100% online process.

Use the Bajaj Finserv Eligibility Calculator online to know the maximum loan amount you can avail of.  Check the latest personal loan interest rates and associated fees to know the total cost of your loan. After applying, you can check information about your loan on our customer portal, My Account.

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How to apply for personal loan in Sikkim

  • 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.

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Key offerings: 3 loan types

  • Flexi Hybrid Term Loan
  • Flexi Term 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 24 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.

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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*.