Personal loan in Agra

Personal loan in Agra

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

Loan Types

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Calculator

FAQs

FAQs

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Rs. 40,000 - Rs. 55 lakh

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

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

Bajaj Finserv in your city

  • Need funds for a family wedding, education, medical emergency, or home renovation in Agra? A Bajaj Finserv Personal Loan in Agra gives you quick access to money—no paperwork, no collateral, and no branch visit required. Get up to Rs. 55 lakh, with instant approval, and disbursal in just 24 hours*—all through a 100% online process.

     

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

     

     

Famous for the Taj Mahal and its rich Mughal history, Agra is also a growing city with strong roots in tourism, handicrafts, and small businesses. With expanding urban areas like Kamla Nagar, Dayalbagh, and Civil Lines, the need for easy and fast personal financing has grown. Whether you're a salaried employee, trader, or entrepreneur, a personal loan in Agra helps you meet urgent or planned expenses with ease.

*Terms and conditions apply

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Features and benefits of a personal loan in Agra

  • Instant loan approval

    Fill your personal loan application form online after fulfilling eligibility parameters to receive immediate approval.

  • Flexi loan facility

    The Flexi loan facility enabling multiple withdrawals and dropline limit.

  • Funds transferred within 24 hours*

    On approval, expect to receive money in the account within the next 24 hours* and meet emergency funding needs.

  • Pre-approved offers

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

  • Easy repayment

    With tenure flexibility of up to 108 months, choose to repay your personal loan in easy EMIs. Use our personal loan eligibility calculator to see how much loan amount you can borrow.

  • Minimum documents required

    Avail of your personal loan by completing minimal paperwork with necessary documents only.

  • High-value financing

    Get unsecured financing of up to Rs. 55 lakh as a personal loan in Agra.

  • 24/7 account management

    Now track your loan account details from home or anywhere else with our dedicated customer portal – My Account.

  • 100% transparency

    Check out our terms and conditions, which are 100% transparent with nil hidden charges on a personal loan.

Agra is the fourth-most famous city of Uttar Pradesh, with most of its workforce engaged in tourism and royal crafts and carpet-making industry. Agriculture is another primary sector providing livelihood to 40% of its population, with leather and footwear as other thriving industries here.

Agra features approximately 7,200 SSIs and 12 major MSMEs. With easy financing provided by Bajaj Finance here, residents can avail hassle-free credit with a personal loan. Our pre-approved offer eliminates lengthy application procedures for customers.

*Conditions apply

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Eligibility criteria and documents for personal loan in Agra

You can easily get the funds you need in Agra 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 Agra

Step-by-step guide to apply for a personal loan

  • 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 Agra

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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