Personal Loan in Bhiwandi

Personal Loan in Bhiwandi

Check your eligibility for personal loan in Bhiwandi 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 Bhiwandi

Check now

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

Bajaj Finserv in your city

  • A Bajaj Finserv Personal Loan in Bhiwandi gives you the flexibility, speed, and support you need to handle big-ticket expenses. With instant online approval, no collateral, and loan amounts up to Rs. 55 lakh, managing financial needs is now easier than ever.


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

Bhiwandi, located in the Thane district of Maharashtra, is known as a major textile hub and warehousing centre. With growing commercial activity and urban lifestyle aspirations, people often require reliable financial support for various needs. A personal loan in Bhiwandi is a practical solution—easy to apply for and quick to receive.


*Terms and conditions apply.

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Features and benefits of personal loans in Bhiwandi

  • Pre-approved offer

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

  • Disbursal within 24 hours*

    The approved loan amount is transferred directly to your account within 24 hours*.

  • Account access online

    The customer portal – My Account enables you to track the loan account and make payments with a few clicks.

  • Minimum documentation

    Forget complicated documentation. Submit some of the essential papers only for verification.

  • Tenure up to 108 months

    Take advantage of the personal loan EMI calculator, and select a tenure of up to 108 monthsaccordingly.

  • Immediate approval online

    With private financers like Bajaj Finance, loan approval is instant after the submission of the application form.

  • Funds up to Rs. 55 lakh

    Apply for personal loans of up to Rs. 55 lakh and fulfil your financial goals easily.

  • Unsecured loan

    No need to keep any asset as collateral. Get an instant personal loan online based on your eligibility criteria.

  • Transparency

    Bajaj Finance maintains 100% transparency in the terms and conditions. Pay zero hidden charges.

The power loom sector employs the majority of Bhiwandi’s population. Apart from textile, the city houses several other industries and logistics sectors. In fact, it is one of the biggest warehousing centres in Asia, which majorly contributes to the country’s economy. Branches of reputed companies like Snapdeal, Flipkart, Amazon, Reliance Industries, FedEx, etc. are present in Bhiwandi. Furthermore, there has been notable infrastructural and educational development in the city.


Residents in Bhiwandi may require additional funding to support their growing financial needs. Whether for personal or professional purposes, avail the Bajaj Finserv Personal Loan at competitive interest rates. Repayment is easier with our flexible tenure of up to 108 months. Strengthen your eligibility by meeting the simple criteria and apply for high-value financing online.


*Conditions apply

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Eligibility criteria and documents for personal loan in Bhiwandi

You can easily get the funds you need in Bhiwandi 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 Bhiwandi

  • 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 (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