Personal Loan in Bilaspur

Personal Loan in Bilaspur

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

FAQs

Rs. 40,000 - Rs. 55 lakh

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

Check now

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

Bajaj Finserv in your city

  • Looking for quick and hassle-free finance in Bilaspur? Whether it's for a medical emergency, wedding, education, home renovation, or a trip, a Bajaj Finserv Personal Loan in Bilaspur offers up to Rs. 55 lakh with no collateral and a 100% online process.


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

Bilaspur, a fast-growing city in Chhattisgarh, is known for its cultural heritage and as an emerging hub for education, railways, and commerce. With growing personal needs and aspirations, many residents seek convenient financial solutions. Whether it's to manage planned events or emergencies, a personal loan in Bilaspur provides timely support without lengthy paperwork or delays.

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Features and benefits of personal loans in Bilaspur

  • Pre-approved offers

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

  • No underlying costs

    With us, pay only the fees you see in our terms and conditions. No underlying charges are imposed.

  • Unsecured credit

    Apply for a personal loan from Bajaj Finserv without any collateral.

  • Online account management

    Our customer portal, My Account provides you with quick access to your loan account. Use it 24x7.

  • Minimal documents

    Complete your application process with the minimum documents required for a personal loan.

  • Approval immediately

    Get approval on the online application within a few minutes. Meet the eligibility criteria and apply online.

  • Money credited directly in the account

    We take only 24 hours* to credit the sanctioned amount to your account. Use at your own discretion.

  • Tenure up to 108 months

    Pick an appropriate tenure of up to 108 months with the help of a personal loan EMI calculator.

Standing on the banks of River Arpa, Bilaspur is surrounded by coal mines and dense forests. India’s largest coal-producing company, the South Eastern Coalfields Limited, is headquartered in Bilaspur. The city’s aromatic variety of rice is famous across India. Additionally, it is the hub of electric power generation in the country and a centre for agricultural products.


Bajaj Finserv makes it easy to avail of high-value financing through personal loans in Bilaspur. Eligible borrowers can enjoy the most attractive interest rates along with nominal associated fees when applying for credit via our online application form and get instant approval. Money is transferred to your account within 24 hours*.


*Conditions apply

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Eligibility criteria and documents for personal loan in Bilaspur

You can easily get the funds you need in Bilaspur 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 Bilaspur

  • 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.

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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