Personal loan in Hyderabad

Personal loan in Hyderabad

Check your eligibility for a personal loan in Hyderabad instantly using your phone and OTP—no need to visit a branch.
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Rs. 40,000 to Rs. 55 lakh

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

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

Instant personal loan in Hyderabad

  • Hyderabad is a unique blend of heritage and high-tech ambition. From the historic charm of the Old City to the fast-paced corporate life in HITEC City and Gachibowli, life here moves at a different speed. Whether you are planning a grand wedding, financing higher education, or upgrading your home in Jubilee Hills, managing your finances should be as smooth as a drive on the Outer Ring Road.


    If you are looking for a personal loan in hyderabad, you no longer need to navigate through heavy traffic or spend time searching for personal loan agents in hyderabad. You can access high-value funds entirely online, designed to keep pace with the city's dynamic lifestyle.


    With a Bajaj Finserv Personal Loan, you can get funds from Rs. 40,000 to Rs. 55 lakh. Check your offer in just 2 steps and apply online to get our loan.

    *Terms and conditions apply.


     

As the capital of Telangana, Hyderabad stands as a unique intersection of heritage and high-tech ambition. From the historic landmarks of the Old City to the sprawling IT corridors of HITEC City, it is a hub for a diverse population of ambitious professionals and entrepreneurs.


In such a fast-paced and evolving environment, financial requirements can arise unexpectedly—whether for a milestone wedding, higher education, or urgent medical needs. A Bajaj Finserv Personal Loan provides a modern, 100% digital solution, offering a transparent and efficient way to bridge these gaps without interrupting your lifestyle.

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Features and benefits of personal loan in Hyderabad

  • Pre-approved offers

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

  • Disbursal in a few hours*

    Get the loan amount in your bank account within 24 hours*, making it easy to manage any urgent expenses.

  • Minimal documents needed

    Submit just a few basic documents to get the funds you need.

  • Flexible repayment tenure

    You can take a personal loan ranging from Rs. 40,000 to Rs. 55 lakh - and spread the repayment over long tenure of up to 8 years.  

  • Quick online approval

    Apply online to receive quick approval on your personal loan in Hyderabad within a few minutes.

  • No collateral required

    Get the personal loan without any collateral or guarantor – making the process simple and quick. Use the personal loan EMI calculator for to estimate your EMI.

  • Online loan management

    Use our customer portal, My Account, and manage your loan account online.

Our Personal Loan branches in Hyderabad

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Eligibility criteria for Loans in Hyderabad

You can easily get the funds you need in Hyderabad with the below criteria:

  • Personal loan eligibility criteria In Hyderabad

    • 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


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

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Personal loan interest rates in Hyderabad

In a competitive market like Hyderabad, lenders offer attractive terms to match the needs of a diverse workforce. Personal loan interest rates are primarily determined by your individual profile, including your credit score, employer category, and monthly income. Typically, if you have a stable job with a reputable firm in the Telangana capital, you may qualify for lower rates and faster processing.

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How to apply for personal loan in Hyderabad

  • 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
Credit guarantee scheme fee Up to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount
Credit guarantee scheme renewal fee Up 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