Apply for Personal Loan in Ahmedabad @ 10% Rate

Instant Personal Loan in Ahmedabad

Ahmedabad, Gujarat’s largest city, is a vibrant industrial and economic hub known as the Manchester of India due to its thriving cotton industry. The city also boasts iconic landmarks like the Sabarmati Ashram and the Narendra Modi Stadium. If you need a loan in Ahmedabad, Bajaj Finance offers flexible solutions for diverse needs. Whether you need an urgent cash loan in Ahmedabad for emergencies or help from personal loan agents in Ahmedabad, Bajaj Finance provides attractive interest rates, repayment flexibility, and up to 96 months of tenor. Apply online or visit one of our branches today.

Pre-approved offers

Pre-approved offers for existing customers ease and instant loan approval process.
High loan amount

Bajaj Finserv offers loans of up to Rs. 55 lakh. Check your maximum approvable amount with our online personal loan eligibility calculator.
No collateral or guarantor

You need not provide any collateral against the credit. Get your loan sanctioned based on easy-to-meet eligibility criteria.
Money in bank in 24 hours*

It takes only 24 hoursto credit money into your bank account, making it one of the fastest personal loans.
Approval in minutes

An accurately filled online application gets approved in minutes.

*Conditions apply

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Before applying for a personal loan in Ahmedabad, ensure you have all the required documents for personal loan approval. Proper documentation expedites the loan process and minimises delays.

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

Age: 21 years to 80 years*
*Higher age limit applicable at the time of loan maturity.

Use the interest calculator to get accurate repayment details based on the latest rates for a personal loan. It helps you plan better with competitive interest rates and manage your loan efficiently, ensuring lower EMIs. By understanding the fees and charges, you can make informed decisions and comfortably repay your loan.

Type of fee	Applicable charges
Rate of interest	10% to 31% p.a.
Processing fees	Up to 3.93% of the loan amount (inclusive of applicable taxes).
Flexi Facility Charge	Term Loan – Not applicable Flexi variant - A fee will be deducted upfront from the loan amount (as applicable below) Up to Rs. 1,999/- for loan amount less than Rs. 2,00,000 Up to Rs. 3,999/- for loan amount from Rs. 2,00,000 to Rs. 3,99,999 Up to Rs. 5,999/- for loan amount from Rs. 4,00,000 to Rs. 5,99,999 Up to Rs. 7,999/- for loan amount from Rs. 6,00,000 to Rs. 9,99,999 Up to Rs. 8,999/- for loan amount from Rs. 10,00,000 to Rs. 14,99,999 Up to Rs. 9,999/- for loan amount from Rs. 15,00,000 to Rs. 19,99,999 Up to Rs. 10,999/- for loan amount from Rs. 20,00,000 to Rs. 24,99,999 Up to Rs. 11,999/- for loan amount from Rs. 25,00,000 to Rs. 29,99,999 Up to Rs. 12,999/- for loan amount of Rs. 30,00,000 and above All the above Flexi facility charges are inclusive of applicable taxes Loan amount includes approved loan amount, insurance premium, and VAS charges.
Bounce charges	Rs. 0 - Rs. 1,200 per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason
Pre-payment charges	Full Prepayment Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment. Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as of the date of full prepayment. Part-prepayment Term Loan: Up to 4.72% (inclusive of applicable taxes) of the principal amount of the loan prepaid on the date of such part-prepayment. Not Applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid. *Foreclosure will be processed post clearance of first EMI
Penal charge	Delay in payment of instalment(s) shall attract Penal Charge of Rs. 8 - Rs. 8 per day 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 Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount during the initial tenure. Up to 0.295% (inclusive of applicable taxes) of total withdrawable amount during subsequent tenure.
Broken period interest / Pre-monthly Instalment interest	Method of recovery of "Broken Period Interest/Pre monthly instalment Interest" would be as follows: EMI Date : 2nd Scenario 1: If Loan is disbursed on 1st or post 10th of the month: For Term Loan: BPI amount will be capitalised, i.e added to Principal amount on Due date / Deducted from disbursement For Flexi Loans: BPI amount will be capitalised, i.e added to Principal amount on Due date / Added to first instalment Scenario 2: If Loan is disbursed between 3rd and 10th of the month: First instalment will consist of interest for actual number of days
Principal Holiday Facility Fees	Up to Rs.1999/- for loan amount less than Rs.2,00,000 Up to Rs.3999/- for loan amount from Rs. 200000 to Rs.399999 Up to Rs.5999/- for loan amount from Rs. 400000 to Rs.599999 Up to Rs.7,999/- for loan amount from Rs. 600000 to Rs.999999 Up to Rs.8,999/- for loan amount from Rs.10,00,000 to Rs. 1499999 Up to Rs. 9999/- for loan amount from Rs. 15,00,000 to Rs.19,99999 Up to Rs.10,999/- for loan amount from RS. 20,00,000 to RS.2499999 Up to Rs.11,999/- for loan amount from RS.25,00,000 to RS. 29,99999 Up to Rs. 12,999/- for loan amount of Rs.30,00,000 and above Above charges are inclusive of applicable taxes & will be deducted upfront from loan amount *(Loan amount includes approved loan amount, Insurance Premium & VAS Charges)

Note: Additional cess if any, will be applicable to all charges according to state law.

*Terms and conditions apply.

A personal loan in Ahmedabad offers flexible funding for various needs. Whether you are planning a holiday, preparing for a wedding, or tackling home expenses, a personal loan can help you manage costs. Here are some common uses for personal loans:

You can apply for a personal loan for travel to cover travel costs and enjoy your trip without financial stress.
A personal loan for wedding can ease the burden of wedding expenses, allowing you to celebrate the special day in style.
Use a personal loan for higher education to fund your studies, whether locally or abroad.
If you face an unforeseen medical emergency, a personal loan for medical emergency ensures you get immediate financial support.
A personal loan for home expenses can cover home repairs, renovations, or upgrades.

These loans are designed to offer quick, accessible solutions to help you with various financial requirements.

Also read: Instant personal loan for Women

Step-by-step guide to apply for a personal loan

Click on ‘APPLY’ at the top of this page to open our online personal loan application form.
Enter your 10-digit mobile number and the OTP sent to your phone.
Fill in the application form with your basic loan details, such as your full name, PAN, date of birth, and PIN code.
Now, click on ‘PROCEED’ to visit the loan selection page.
Enter the loan amount that you need.
Choose the repayment tenure – you can select tenure options of 12 months to 96 months and click on ‘PROCEED’.
Complete your KYC and submit your application.

Our representative will guide you on the next steps. The loan amount will be transferred to your bank account on the successful verification of your documents

Frequently asked questions

You can still get a personal loan with a low CIBIL score by applying with a co-applicant or offering collateral to secure the loan.

Yes, personal loans are available for individuals with a low salary, but the loan amount and eligibility will depend on your financial stability and repayment capacity.

The loan approval process in Ahmedabad can take anywhere from 24 to 72 hours, depending on your documentation and eligibility.

The minimum income requirement to get a personal loan in Ahmedabad typically starts at Rs. 25,000 per month, depending on the lender.

Most lenders require documents for verification, but some may offer pre-approved personal loans with minimal documentation.

The process involves filling out an application, submitting documents, and waiting for approval. Upon approval, the loan is disbursed to your account.

You can use a Personal Loan EMI Calculator to estimate your EMI by entering loan amount, tenure, and interest rate.