Personal Loan in Lucknow

Personal Loan in Lucknow

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

Loan Types

Calculator

Calculator

FAQs

FAQs

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Video

Rs. 40,000 - Rs. 55 lakh

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

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

Bajaj Finserv in Lucknow

  • Whether you are upgrading your home in Gomti Nagar, planning a destination wedding, funding higher education, or handling an emergency expense, a Bajaj Finserv Personal Loan in Lucknow offers you instant financial support—completely online and without any paperwork.

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

    Enjoy personal loan amounts from Rs. 40,000 to Rs. 55 lakh, quick approval, and disbursal in just 24 hours*. The application process is 100% digital, with no need to visit a branch.

Lucknow, the cultural capital of Uttar Pradesh, is not just known for its heritage and food but also for its growing economy. Areas like Hazratganj, Alambagh, and Indira Nagar are booming with businesses, education centres, and residential development. As the city grows, so does the need for flexible financing. A personal loan in Lucknow is a smart, fast, and secure option for meeting all kinds of personal expenses.

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Features of personal loan in Lucknow

  • Minimal documentation

    Apply for the loan with only basic personal loan documents like identity proof, income proof, employment proof, etc. 

  • Online account

    Track your loan EMIs, principal outstanding, interest payable and other details on our customer portal - My Account.

  • Pre-approved offers

    You can check if you have a pre-approved offer for a personal loan in Lucknow. All it takes is just your phone number and OTP.

  • Loans up to Rs. 55 lakh

    Get a high loan amount to handle various expenses ranging from weddings to college tuition.

  • Flexible tenure

    Pay off your unsecured personal loan in Lucknow over a tenure of up to 108 months.

  • 100% transparency

    Read the terms and conditions before applying to be aware of all charges on this loan.

  • Money in bank within 24 hours*

    As with some of the fastest loans, receive the amount in your account within a day.*

  • Approval in minutes*

    It takes us only 5 minutes* to approve a personal loan application online, depending on the eligibility and submitted documents.

Lucknow is within the Uttar Pradesh Heritage Arc that the Government of Uttar Pradesh created to develop the tourism sector. According to a survey, it is in the country’s top 10 fastest job-creating cities. Lucknow’s economy is growing for sectors like manufacturing, IT, biotechnology, etc. Besides R&D centres of many big corporations, the city has a strong presence of Tata Consultancy Services, HCL Technologies and other local technology companies.

Bajaj Finserv, a leading NBFC in India, offers exclusive personal loans in Lucknow. Eligible borrowers can seek personal loans at attractive interest rates starting from 10% p.a. The money is sanctioned without any collateral or guarantor. Only an applicant’s eligibility and documents are considered, thus, eliminating the risk of asset confiscation. Apply through an online application to get the money with 24 hours*.

Use our personal loan eligibility calculator to see the maximum amount you can get.

*Conditions apply

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Eligibility criteria and documents for personal loan in Lucknow

You can easily get the funds you need in Lucknow 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 Lucknow

  • 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.

Our Personal Loan branches in Lucknow

Personal Loan In Bakshi Ka TalabPersonal Loan In Mohanlal Gunj
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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