Personal Loan in Vadodara

Personal Loan in Vadodara

Get a Bajaj Finance Personal Loan in Vadodara with loan amounts from Rs. 40,000 to Rs. 55 lakh, interest rates from 10% and 30% p.a., and check your offer instantly using your phone number and OTP.
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FAQs

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Rs. 40,000 - Rs. 55 lakh

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

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

 
 

Key takeaways


A personal loan in Vadodara offers a convenient way to manage planned and unexpected expenses through a simple online application process. With flexible borrowing options and minimal documentation, you can access funds without providing any collateral.


  • Loan amount ranges from Rs. 40,000 to Rs. 55 lakh
  • Tenure ranges from 12 months to 108 months
  • Interest rate ranges from 10% and 30% p.a.
  • Quick approval and disbursal within 24 hours* 
  • No collateral required and minimal documentation
  • Check your pre-approved offer using your mobile number and OTP.

Check your eligibility online and apply for a personal loan in Vadodara through a 100% digital process with no branch visit required.

Get personal loan in Vadodara

  • A Bajaj Finance Personal Loan in Vadodara offers a convenient financing solution for planned and unexpected expenses, with loan amounts from Rs. 40,000 to Rs. 55 lakh, competitive interest rates, and a simple online application process. This page explains the eligibility criteria, interest rates, required documents, key loan features, and the step-by-step application process.


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

Know more about our personal loan and its features.


*Terms and conditions apply.

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Features and benefits of personal loan in Vadodara

  • Easy access to loan account

    Check your loan account anytime with our online account facility. Enjoy similar benefits with our loan services, including easy access to account details, repayments, and other loan-related information 24x7.

  • Online application

    No more travelling to the branch. Easily apply for a collateral-free loan online from anywhere.

  • Funds within 24 hours*

    Receive the money within 24 hours* and use it to cover medical or any other emergencies effortlessly.

  • Pre-approved offers

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

  • Loan up to Rs. 55 lakh

    Get an instant personal loan in Vadodara of up to Rs. 55 lakh to cover big-ticket expenses with no restrictions on usage, ensuring financial flexibility and quick access to funds.


*Terms and conditions apply

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Eligibility criteria for personal loan in Vadodara

You can easily get the funds you need with the below criteria:

  • Eligibility criteria

    NationalityIndian
    Age21 years to 80 years
    Employed withPublic, private, or MNC.
    CIBIL Score650 or higher.
    Customer profileSelf-employed or Salaried

    *You should be 80 years or younger, at the end of the loan tenure.

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Documents required for personal loan in Vadodara

Documentation requirements for a Bajaj Finance Personal Loan are minimal. Five document categories are required at the time of application:


Document CategoryAccepted Options
KYC proofAadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
Identity proofPAN card, Real-time image / photograph
Employment proofEmployee ID card, Letter of Allotment of Accommodation Issued by Employer
Income proofSalary slips — last 3 months, Bank account statements — last 3 months
OthersPension order, Utility bill, Phone bill, Piped gas bill, Property / Municipal tax receipt


 

Know more about the personal loan documents required during application.


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

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What are the personal loan interest rates in Vadodara?

The interest rate on an online loan app in India varies depending on factors such as your credit profile, income, loan amount, and repayment tenure. Along with the interest rate, borrowers should also review the applicable fees and charges before applying. The table below highlights some of the common charges associated with a personal loan. For the complete schedule of charges, please refer to the existing personal loan interest rates, fees and charges page.


ChargesDetails
Interest rateUsually ranges from 10% to 30% p.a. , depending on eligibility and lender policies
Processing feeUp to 3.93% of the loan amount (inclusive of applicable taxes).
Loan tenureTypically ranges from 12 months to 108 months
Bounce chargesRs. 700 to Rs. 1,200/- per bounce
Prepayment/foreclosure chargesUp to 4.72% (Inclusive of applicable taxes)
Stamp duty (as per respective state)Payable as per state laws and deducted upfront from loan amount
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How to apply for personal loan in Vadodara

  • 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.

Uses of personal loan in Vadodara

Personal loans in Vadodara offer a versatile financial solution to meet diverse needs. Applying for a personal loan in Vadodara is a hassle-free process. Here are some popular purposes:

  1. Travel expenses: Finance your dream vacation with ease using a personal loan for travel.
  2. Wedding Costs: Make your special day unforgettable by covering all marriage expenses using personal loan for wedding.
  3. Higher education: Achieve academic goals affordably with a personal loan for education.
  4. Medical emergencies: Address unexpected medical costs swiftly with a personal loan for medical emergency.
  5. Home improvement: Manage renovations or household expenses conveniently with a personal loan for home expenses.

These loans feature competitive interest rates, quick approvals, and flexible repayment terms, ensuring a hassle-free borrowing experience.


 

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Why choose Bajaj Finance Personal Loan in Vadodara?

A personal loan in Vadodara from Bajaj Finance offers a convenient way to meet planned and unexpected expenses with flexible borrowing options, quick processing, and a simple online application process.


  • Loan amount ranges from Rs. 40,000 to Rs. 55 lakh
  • Tenure ranges from 12 months to 108 months
  • Interest rate ranges from 10% and 30% p.a.
  • Quick approval and disbursal within 24 hours* 
  • No collateral required and minimal documentation

Choose a personal loan in Vadodara that offers flexibility, convenience, and a fully digital application process to help you manage your financial needs with ease.

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Additional read


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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