Instant Personal Loan in Tirupattur

Instant Personal Loan in Tirupattur

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

FAQs

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Video

Rs. 40,000 - Rs. 15,50,000

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

Check now

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

Bajaj Finserv in your city

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Features of instant personal loans in Tirupattur

Insta Personal Loan offered by Bajaj Finance provides pre-approved offers to existing customers, while new customers can generate a pre-assigned limit for themselves. All you need is a mobile number and OTP. Here are some features which make it an ideal option to finance your emergency financial requirements:

  • Fast processing and disbursal

    Unlike traditional loans, instant loans boast a streamlined application process. In the case of Insta Personal Loan, the funds can be deposited directly into your account within a few hours of application. 

  • Pre-approved offers

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

  • Flexible repayment options

    Instant personal loans offer a variety of repayment terms to suit your budget. You can choose a repayment plan that fits your income and financial situation, ensuring manageable monthly instalments.

  • Minimal documentation

    The application process for instant personal loans is designed to be hassle-free. Select customers can get their Insta Personal Loan without needing to submit any documents.

  • No collateral required

    Unlike some loans, instant personal loans are unsecured, meaning you do not need to put up any assets as security.

Things to consider before applying for an instant personal loan in Tirupattur

  • Interest rates and fees: It is crucial to review the interest rates and associated charges before making a decision.
  • Repayment ability: Carefully assess your ability to repay the loan on time. Missing payments can damage your credit score and lead to additional penalties.
  • Loan amount: It is tempting to borrow more than you need. Only borrow the amount you require to cover your immediate expense.
  • Repayment term: Choosing a longer repayment term will lower your monthly instalments but increase the total interest paid. Opt for the shortest term you can comfortably manage.

Check the interest rates and charges for Insta Personal Loan carefully before starting your application.


*Terms and conditions apply

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Eligibility criteria and documents for Insta Personal Loan in Tirupattur

Anyone can opt for our instant loan online. Your Insta Personal Loan eligibility and documentation requirement depends on whether you are a new customer or have an existing relationship with us.

  • If you are an existing customer

    • Since you are an existing customer with a pre-approved offer, there are no additional eligibility criteria that apply to you.
    • Some of our existing customers may be asked to submit additional documents, such as your income proof, KYC documents, and bank statement to apply for instant personal loan.

  • If you are a new customer

    Customers with an Insta Personal Loan offer may need to go through a CIBIL check and provide additional documents. The documentation and application process may differ slightly.

  • 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
    • Phone bill
    • Real-time image / photograph
    • Ration card

    Check your pre-approved offer for Insta Personal Loan using just mobile number and OTP – 100% online process. 

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How to apply for Insta Personal Loan in Tirupattur

  • Step-by-step guide to apply for the Insta Personal Loan

    1. Click on ‘CHECK OFFER’ on this page.
    2. Enter your 10-digit mobile number and the OTP sent to your phone.
    3. You will see an offer with a pre-assigned loan limit for you. You can either go with it or choose a lower amount.
    4. Select a repayment tenure that suits you best.
    5. Click on ‘PROCEED’ to complete the online process.

The online process may differ depending on whether you are a new customer or have an existing relationship with us.


Note: Some customers may need to submit additional documents to complete their Insta Personal Loan application process.

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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

Credit guarantee scheme feeUp to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount
Credit guarantee scheme renewal feeUp to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year.
*Renewal Fee to be collected only for 3 subsequent financial years.
 
**If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated.

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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