Personal Loan in Srinagar

Personal Loan in Srinagar

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

FAQs

Rs. 40,000 - Rs. 55 lakh

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

Check now

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

Bajaj Finserv in your city

  • Need fast and hassle-free funds in Srinagar? Whether it’s a wedding, medical emergency, home renovation, education, or a travel plan, a Bajaj Finserv Personal Loan in Srinagar gives you up to Rs. 55 lakh with instant approval and no need to pledge any collateral.


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

Srinagar, the summer capital of Jammu and Kashmir, is known for its natural beauty, vibrant culture, and growing local economy. With rising aspirations in tourism, hospitality, education, and business, financial needs are also on the rise. Whether it’s funding a family function or investing in personal growth, residents in Srinagar can now access quick and flexible financing through personal loans.

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Features of personal loan in Srinagar

  • High loan amount

    You can take a personal loan ranging from Rs. 40,000 to Rs. 55 lakh.

  • Easy repayment option

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

  • Collateral-free credit

    The Bajaj Finserv Personal Loan is unsecured. Meet only the personal loan eligibility criteria.

  • No hidden charges

    We have a transparent personal loan policy without any hidden costs. Read terms and conditions before applying.

  • Personalised pre-approved offers

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

  • Minimal documents required

    Submit only a few personal loan documents to get the funds immediately. Check the eligibility alongside for better convenience. 

  • Get money in 24 hours*

    Receive the approved loan amount directly to account within a day of sanction.

Srinagar is the northernmost city of the Indian territory. Tourism is the primary source of economic development in this city. Some of the major industries of this place include carpet-making, woollen textiles, and forest-based industries.


Residents of Srinagar can now get an instant personal loan from Bajaj Finance and address their financial needs. They do not have to keep any asset to get this credit. Submit only a handful of documents to prove eligibility. After the document verification, the loan approval takes a few minutes. Get the money in the account within hours* of approval.


Reach out to us for any loan-related queries or apply online now for instant funds.


*Conditions apply

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Eligibility criteria and documents for personal loan in Srinagar

You can easily get the funds you need in Srinagar 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 Srinagar

  • 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