Personal Loan in Barpeta

Personal Loan in Barpeta

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

Rs. 40000 - Rs. 55 lakh

You may be eligible for a pre-approved offer

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

Need quick financial support for your personal goals or unexpected expenses in Barpeta? Whether you're planning a wedding, funding education, handling medical emergencies, or pursuing travel dreams, having reliable access to funds makes all the difference. A personal loan provides the financial flexibility you need to handle life's opportunities and challenges without compromising your savings or delaying important decisions.
 

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


Living in Barpeta, you understand the importance of having financial backup when life presents both planned celebrations and unexpected situations. A personal loan ensures you can act quickly when timing matters, whether it's securing educational opportunities, managing family health needs, or celebrating life's special moments without financial stress.

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Features and benefits of personal loan in Barpeta

A personal loan in Barpeta offers a range of benefits that make it ideal for planned as well as unexpected expenses. Here’s why it stands out:

  • Quick approval process: Get loan approval in 5 minutes* and funds in your account within 24 hours*—perfect when timing matters most.
  • No collateral required: Unsecured loan means no need to provide assets or property, keeping your valuables safe.
  • High loan amounts up to Rs. 55 lakh: Substantial funding to cover high-ticket needs like weddings, education, or major home renovations.
  • Pre-approved offers: You can check if you have a pre-approved offer for a personal loan in Bahal with just your phone number and OTP 
  • Flexible loan tenure: Choose from up to 96 months, ensuring monthly payments fit comfortably within your budget.
  • 100% online process: Apply, track your application, and receive money without leaving your home—no branch visits or queues.

With features like these, you can easily plan major expenses like travel adventures, educational pursuits, or memorable wedding celebrations with complete confidence.
 

Uses of personal loan in barpeta

Whether it's a planned expense or sudden emergency, a personal loan in Barpeta helps you manage finances easily. Here are common ways locals use their loans:
 

  • Travel: Plan your dream trip with ease—book flights, hotels, and experiences whilst paying back in comfortable instalments.
  • Weddings: Make your big day memorable without financial stress—cover venue, catering, photography, and jewellery costs.
  • Education: Fund higher education courses or study abroad opportunities to invest in future earning potential.
  • Medical emergencies: Access quick funds when you need them most—handle treatments, surgeries, or hospital bills immediately.
  • Home improvements: Renovate, modernise, or upgrade your home to enhance comfort and increase property value.
     

Whatever your goal, a personal loan in Barpeta ensures you have the financial support needed to pursue your aspirations without delay.

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Eligibility criteria and documents for personal loan in Barpeta

You can easily get the funds you need 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 for personal loan in Barpeta

    Here is a list of documents required for a personal loan that you can keep handy when applying:
     

    • 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. 

Interest rate on personal loan in Barpeta

Interest rates for personal loans in Barpeta vary based on income, employment, credit profile, and loan amount. The better your credit health, the better your rate.
 

Pro tip: You can learn more about the personal loan interest rate to calculate your monthly EMI and choose the best plan for your financial needs.

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How to apply for personal loan in Barpeta

  • 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.

Conclusion

A personal loan in Barpeta isn't just about borrowing—it's about living life on your terms with complete financial confidence. Whether you're planning a dream trip, celebrating a milestone, handling an emergency, or pursuing educational goals, this loan offers quick access, minimal hassle, and complete flexibility to make your plans reality.

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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