Personal loan in Andhra Pradesh

Personal loan in Andhra Pradesh

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

Loan Types

Calculator

Calculator

FAQs

FAQs

Video

Video

Rs. 40,000 - Rs. 55 lakh

Calculate your EMIs

You may be eligible for a pre-approved offer

Check now

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

Bajaj Finserv in your state

Andhra Pradesh, located along the Bay of Bengal coast, boasts India’s longest coastline and hosts several IT hubs, educational institutions, and a thriving economy driven by agriculture, mining, and industry. The state’s vibrant culture and economic diversity create varied financial needs for its residents. 


 

A Bajaj Finserv Personal Loan in Andhra Pradesh can help you get instant access to funds up to Rs. 55 lakh—without collateral or long paperwork. You can also check if you already have a pre-approved offer in Andhra Pradesh. The process is 100% digital, with no need to visit a branch.


 

✅  Check your pre-approved loan offer in Andhra Pradesh with phone number and OTP → Apply online in 5 minutes → Receive funds within 24 hours*.


 

Know more about our personal loan and its features.


 

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Features of personal loans in Andhra Pradesh

Check pre-approved offers

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


 

Complete transparency

When you take a personal loan from us, you do not have to pay any hidden charges. Check the terms and conditions today.
 

High loan value

Fulfil the eligibility, complete the documentation and get an online personal loan of up to Rs. 55 lakh easily.
 

Flexi loan facility

Make multiple withdrawals from a dropline limit and pay interest only on the withdrawn funds, with our Flexi loans.
 

Online loan management

Visit our customer portal, My Account, and monitor the loan repayment and other details online 24/7.
 

Flexibility in tenure

Use a personal loan EMI calculator and repay the loan by choosing a suitable tenure of up to 108 months.
 

Instant approval

Submit an online application form and receive immediate approval on loan. Keep your documents ready for faster processing.
 

Minimal documentation

Submit only the necessary documents to opt for a personal loan from Bajaj Finance.
 

Money in 24 hours*

After the verification, the loan amount gets credited within 24 hours* of approval.
 

Zero collateral

You do not need to pledge any asset or get a guarantor for a personal loan from Bajaj Finance.
 

The economy of Andhra Pradesh relies primarily on agriculture, mining and industry. This region is also popular for its artefacts. Apply for a personal loan in Andhra Pradesh and get instant approval on the funds utilised. Get a high loan amount at fulfilling some basic eligibility criteria and with minimal documentation. If you qualify, you can even negotiate for better interest rates.
 

Utilise the funds to finance any big-ticket expense and enjoy personalised offers on the loan.

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Eligibility criteria for personal loan in Andhra Pradesh

  • Eligibility criteria

    Following are the personal loan eligibility criteria that you need to fulfil to get instant funds from Bajaj Finance.


    • 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.

  • Interest rates and charges

    Get the most competitive rate of interest of personal loan from us. Find out the fees and charges applicable now.

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 Andhra Pradesh

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