Personal Loan in Virudhunagar

Personal Loan in Virudhunagar

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

Loan Types

FAQs

FAQs

Video

Video

Rs. 40,000 - Rs. 55 lakh

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

Check now

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

Bajaj Finserv in your city

  • Financial needs can arise at any moment, whether it is for a home renovation, a wedding, or an emergency medical expense. For residents of Virudhunagar, Bajaj Finserv Personal Loan offers a seamless and reliable solution to meet such requirements. With flexible repayment options, minimal documentation, and quick disbursal, this loan product is designed to provide financial support when it is needed the most.


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

Virudhunagar, located in Tamil Nadu, is a major trading hub known for its vibrant wholesale markets of oil, cotton, and chillies. The city has a strong industrial presence, particularly in matchbox manufacturing, fireworks, and printing. Its strategic location and entrepreneurial spirit make it an important commercial centre in the southern region.


*Terms and conditions apply.

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Features of personal loan in Virudhunagar

  • Collateral-free funds

    Address any financial requirements with collateral-free credit. There is no restriction on end-use.

  • High loan amount

    With a Bajaj Finserv Personal Loan, you can get funds from Rs. 40,000 to Rs. 55 lakh.

  • Approval within few minutes

    The search for instant personal loan ends here. Choose us to get immediate funds.

  • Get money within 24 hours*

    After the verification is complete, the money is credited to your account within 24 hours*.

  • Zero hidden charges

    Get a personal loan from Bajaj Finance with zero hidden charges. Read the terms and conditions carefully for transparency.

  • Pre-approved offers

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

  • Flexible tenure

    Use a Personal Loan EMI Calculator and select a tenure ranging from 12 months to 96 months

  • Manage account online

    Log in to customer portal, My Account, and view the account details, repayment information and more online.

Virudhunagar is a vital commercial hub in Tamil Nadu. The service sector contributes significantly to the economic growth of this state. Mining, farming, construction, raising livestock, and several other industries also generate employment in Virudhunagar.


 

A personal loan from Bajaj Finance is available with minimal documentation and convenient terms of service. Avail of some of the most affordable personal loan interest rates for ease of repayment.  The funds come with a tenure ranging from 12 months to 96 months. Choose per your financial capacity.


 

You can also get an online loan in just a few clicks.


 

*Conditions apply

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Eligibility criteria and documents for personal loan in Virudhunagar

You can easily get the funds you need 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 Virudhunagar

  • 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