Personal Loan in Arrah

Personal Loan in Arrah

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

Loan Types

Calculator

Calculator

FAQs

FAQs

Video

Video

Rs. 40000 - Rs. 55 lakh

Calculate your EMIs

You may be eligible for a pre-approved offer

Check now

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

Bajaj Finserv in your city

Personal loans have become a reliable financial solution for individuals looking to manage expenses such as medical emergencies, weddings, education, or even travel. If you are a resident of Mohania, you can easily apply for a Bajaj Finserv Personal Loan and enjoy benefits like instant approval, minimal documentation, and flexible repayment options. You can also check if you already have a pre-approved offer in Arrah. The process is 100% digital, with no need to visit a branch.


✅  Check your pre-approved loan offer in Arrah 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 and benefits of personal loan in Arrah

  • Pre-approved offers

    You can check if you have a pre-approved offer for a personal loan in Arrah with just your phone number and OTP.

  • Money in your account in a day*

    Get the loan amount in your bank account within 24 hours*, making it easy to manage any urgent expenses.

  • Minimal paperwork

    Submit just a few basic documents to get the funds you need.

  • Flexible tenure

    You can take a personal loan ranging from Rs. 40000 to Rs. 55 lakh - and spread the repayment over long tenure of up to 8 years. 

  • Quick approval

    Apply online to receive quick approval on your personal loan in Arrah within a few minutes.

  • No collateral

    Get the personal loan without any collateral or guarantor – making the process simple and quick. Use the personal loan EMI calculator for to estimate your EMI.

  • Online management

    Use our customer portal, My Account, and manage your loan account online.

  • No hidden charges

    Bajaj Finance maintains 100% transparency and does not levy any hidden charges on personal loans. Read the terms and conditions to know more.

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Eligibility criteria and documents for personal loan in Arrah

You can easily get the funds you need in Arrah 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.


    You can calculate your eligibility using the personal loan eligibility calculator to determine the amount you can borrow based on your income and repayment capacity.

  • Documents required to get a personal loan in Arrah

    To ensure a smooth application process, keep the following documents ready when applying for a personal loan in Arrah:
     

    • 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

Interest rate on personal loan in Arrah

Bajaj Financeoffers competitive interest rates and transparent fee structures to ensure affordability. Below are the details:
 

Interest RateProcessing FeesPrepayment Charges
10% to 31% p.a.Up to3.93% of the loan amount (inclusive of applicable taxes).Applicable as per loan type

To learn more about interest rates and charges, visit the personal loan interest rate page.

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How to apply for a personal loan in Arrah

  • Follow these steps to apply for a personal loan in Arrah:

    1. Click on ‘Check Eligibility’ on this page
    2. Enter your 10-digit mobile number and the OTP sent to your phone.
    3. 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 loan amount that you need.
    6. Choose the repayment tenure and click on ‘PROCEED’.
    7. Complete your KYC and submit your application.
       

    Our representative will guide you on the next steps. The loan amount will be transferred to your bank account on the successful verification of your documents.


    Check your eligibility for personal loan using just mobile number and OTP – 100% online process.

Uses of personal loan in Arrah

A personal loan can be utilised for various purposes, providing financial flexibility to borrowers in Arrah. Here are some common use cases:


  • Education: Fund higher education or professional courses. Learn more about education loans.
  • Travel: Plan your dream vacation without worrying about expenses. Check out travel loans.
  • Wedding: Cover wedding expenses and make your special day memorable. Explore wedding loans.
  • Medical emergencies: Handle unforeseen medical expenses with ease. Visit medical loans for details.
  • Home expenses: Renovate or furnish your home with a personal loan. Learn more about home expense loans.
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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 31% 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 0.30% (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 0.30% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.30% (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