Manage Durga Pooja with personal loan

Manage Durga Pooja with personal loan

Manage your Durga Puja expenses with a personal loan that offers instant approval and flexible repayment options.

Rs. 40000 - Rs. 55 lakh

You may be eligible for a pre-approved offer

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

Why choose Bajaj Finserv Personal Loans during Durga Pooja?

  • Durga Pooja is not just a festival; it is a celebration of joy, togetherness, and new beginnings. As families across India gear up for the festivities, many look to make big-ticket purchases, renovate their homes, or even plan a dream vacation. However, these aspirations often require financial support. This is where a Bajaj Finserv Personal Loan can help you turn your festive dreams into reality.

    With exclusive Durga Pooja offers on personal loans, you can enjoy attractive interest rates, quick approvals, and flexible repayment options. Check if you have a pre-approved loan offer—it only takes two steps!

    Let us explore the benefits, features, and application process to help you make an informed decision this festive season.

*Terms and conditions apply

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Exclusive Durga Pooja offers on Bajaj Finserv Personal Loan

  • Loan amount

    Avail loan amount ranging from Rs. 40000 to Rs. 55 lakh, depending on your eligibility.

  • Flexible repayment tenure

    Choose a repayment period ranging from 12 months to 96 months to suit your financial needs.

  • Minimal documentation

    The application process is hassle-free, requiring only basic documents.

  • Instant approval

    Get approval within minutes of submitting your application.

  • No collateral required

    This unsecured loan does not require you to pledge any assets.

  • Disbursal within 24 hours*

    Funds are credited to your account quickly, ensuring you can act on your plans without delay.

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Eligibility criteria and documents for personal loan

To apply for a Bajaj Finserv Personal Loan, you need to meet the following eligibility 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
    • Phone 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 Bajaj Finserv Personal Loan

  • Applying for a Bajaj Finserv Personal Loan is a simple and straightforward process. Follow these steps to get started:

    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.
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Key offerings: 3 loan types

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 levied on each instance in the event of: (i) dishonour of any payment instrument irrespective of whether the customer subsequently makes the payment through an alternate mode or channel on the same day; and/or (ii) non-payment of instalment(s) on their respective due dates where any payment instrument is not registered/furnished; and/or (iii) rejection or failure of mandate registration by the customer’s bank.

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) of the Dropline limit as per the repayment schedule as on the date of full prepayment.
Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) of the Dropline limit as per the repayment schedule as on the date of full prepayment.

Part-prepayment

• Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-
• 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 0.472% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure

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