Personal Loan in Tamil Nadu

Personal Loan in Tamil Nadu

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

Loan Types

Calculator

Calculator

FAQs

FAQs

Video

Video

Rs. 40,000 - Rs. 55 lakh

Calculate your EMIs

You may be eligible for a pre-approved offer in Tamil Nadu

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Enter mobile and OTP | Quick online approval | Get money in a day*

Tamil Nadu, a southern state of India, is known for its rich cultural heritage, industrial growth, and educational institutions. From Chennai’s bustling urban centres to Coimbatore’s textile hubs and the serene towns of Madurai and Tirunelveli, residents often require financial support for a variety of needs.


A personal loan in Tamil Nadu can help individuals manage expenses such as weddings, home renovations, higher education, medical emergencies, and travel plans. Bajaj Finance offers quick, collateral-free personal loans with flexible tenures and competitive interest rates, making it easy for residents across the state to access funds without delays.

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Instant personal loan in Tamil Nadu

  • <p>Whether you are in Chennai, Coimbatore, Madurai, or smaller towns like Erode and Tirunelveli, unexpected expenses can occur anytime. A Bajaj Finserv Personal Loan in Tamil Nadu helps you manage wedding costs, medical emergencies, higher education, or urgent financial needs quickly and without collateral.</p><br><p>You can also check if you have a pre-approved offer. The entire process is digital — no branch visit required:</p><p><br>With a Bajaj Finserv Personal Loan, you can get the funds within&nbsp;24 hours* of approval.&nbsp;<a href=""https://www.bajajfinserv.in/personal-loan?sso-module=adp&dynamic-redirection=false&dynamic-redirection=false&dynamic-redirection=false"">Check your offer</a> in just 2 steps and apply online to get our loan.</p><br><p>Tamil Nadu, a culturally rich South Indian state, has the country’s second-largest economy and offers diverse opportunities in education, industry, and services.&nbsp;</p>

Tamil Nadu, a culturally vibrant and industrially advanced state, stands out as a hub for automotive, textile, and IT industries. Major cities like Chennai and Coimbatore drive its economic growth, while emerging towns such as Tiruchirappalli, Salem, and Erode are rapidly advancing in infrastructure, education, and real estate development. With the growing aspirations of residents, the need for quick and accessible credit solutions has significantly increased. Opting for a Bajaj Finserv Personal Loan in Tamil Nadu is an excellent way to meet various financial needs, whether for planned expenses or unexpected emergencies. These loans offer a hassle-free process, eliminating excessive paperwork and long waiting periods, making them a reliable choice for individuals across the state.

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Features of personal loan in Tamil Nadu

  • Pre-approved loan offers

    You can check if you have a pre-approved offer for a personal loan in Pune with just your phone number and OTP.

  • High loan amount

    Loans ranging from Rs. 40,000 to Rs. 55 lakh are available.

  • Minimum documents

    Submit only basic documents to avail of a personal loan in Tamil Nadu with faster processing.

  • Instant approval

    Qualify for a personal loan and get instant approval. Speed up this process by applying online.

  • Get money within 24 hours*

    The loan amount reaches your account within 24 hours* of approval.
     


     

  • No collateral

    Get the personal loan without any collateral or guarantor – making the process simple and quick.

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Eligibility criteria and documents for personal loan in Tamil Nadu

You can easily get a personal loan in Tamil Nadu by meeting the following criteria:

  • Personal loan eligibility criteria in Tamil Nadu

    • 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 for personal loan in Tamil Nadu

    • 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


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

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Personal Loan Interest Rates in Tamil Nadu

Bajaj Finserv offers competitive personal loan interest rates in Tamil Nadu, making it easier for residents to manage both planned and emergency expenses. Interest rates typically range based on your credit profile, loan amount, and repayment tenure.


Whether you are applying for a loan in Chennai, Coimbatore, Madurai, or smaller towns like Tirunelveli and Erode, you can enjoy flexible repayment options with a fully digital process. 


For detailed rates and processing fees, check out Personal Loan Interest Rates to know the exact offer available for you.

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How to apply for personal loan in Tamil Nadu

  • 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.
    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