Personal Loan in Channarayapatna

Personal Loan in Channarayapatna

Check your eligibility for personal loan in Channarayapatna with your phone and OTP - no branch visit needed.
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Rs. 40000 - Rs. 55 lakh

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

Personal loans have become an essential financial tool for individuals seeking quick funds to meet their diverse needs. If you are a resident of Channarayapatna, Bajaj Finance Limited offers a seamless and hassle-free way to access personal loans tailored to your financial requirements. With attractive interest rates starting at 10% p.a.* and loan amounts up to Rs. 55 lakh, you can confidently address your financial goals without worrying about lengthy processes or excessive paperwork.


You can also check if you already have a pre-approved offer in Channarayapatna . The process is 100% digital, with no need to visit a branch.


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

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Features and benefits of personal loan in Channarayapatna

Here’s why a personal loan in Channarayapatna is a smart choice:

  • No collateral required – Keep your assets safe. No need to pledge gold or property.
  • Instant approval – Apply in minutes and get a quick approval.
  • Flexible repayment tenure – Choose repayment terms that suit your monthly budget.
  • Competitive interest rates – Enjoy rates based on your credit profile.
  • Multi-purpose usage – From travel to tuition, spend the loan as you need.
  • Minimal documentation – Just a few documents and you’re ready to go.

Uses of personal loan in Channarayapatna

You don’t need to dip into your savings—a personal loan in Channarayapatna can help you cover it all with ease. Whether it's something exciting or urgent, here’s how many are using their loan smartly:
 


  • Travel – A personal loan for travel lets you book flights, hotels, and experiences—all stress-free.
  • Weddings – From jewellery to décor, manage it all with a personal loan for weddings.
  • Education – Cover tuition, course materials, and living expenses with a personal loan for education.
  • Medical emergencies – Get the funds quickly when you need them most—no delays.
  • Home improvements – A personal loan for home improvement can fund everything from furniture to fittings.
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Eligibility criteria for personal loan in Channarayapatna

If you don’t have a pre-approved offer, you can still apply as long as you meet these basic criteria:

    • Nationality: Indian
    • Age: 21 years to 80 years*.
    • Employed with: Public, private, or MNC.
    • CIBIL Score: 685 or higher.
    • Customer profile: Self-employed or Salaried


     

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



    Check your eligibility for a personal loan in Channarayapatna with just your mobile number and OTP.
     

  • Documents required for a personal loan in Channarayapatna

    Getting a personal loan in Channarayapatna is easy and hassle-free, especially when you don’t need to worry about heavy paperwork. Just keep a few basic documents ready. These are the standard documents required for personal loan approval, making the process smooth and quick.


    • 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 Channarayapatna

Your personal loan interest rate in Channarayapatna can vary based on factors like your income, credit score, and the loan amount. A strong repayment history usually helps you secure a better rate.

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How to apply for a personal loan in Channarayapatna

Applying for a personal loan in Channarayapatna is simple and quick:

  1. Click on ‘APPLY’ at the top of this page to open our online personal loan application form.
  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. Choose from our three personal loan variants –Term, Flexi Term, and Flexi Hybrid.
  6. Choose the repayment tenure – you can select a suitable 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.


Conclusion

Whether it’s something you’ve been planning for a while or an unexpected expense, a personal loan in Channarayapatna can help you handle it with ease. With Bajaj Finance, you can get up to Rs. 55 lakh directly in your bank account—no paperwork, no hidden charges, and no need to visit a branch.

The best part? The process is 100% online and super quick.

Just enter your mobile number and OTP to check your personalised offer today.

*Terms and conditions apply.

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Key offerings: 3 loan types

  • Flexi Hybrid Term Loan
  • Flexi Term 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 24 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 variant - A fee will be deducted upfront from the loan amount (as applicable below)

  • Up to Rs. 1,999/- for loan amount less than Rs. 2,00,000
  • Up to Rs. 3,999/- for loan amount from Rs. 2,00,000 to Rs. 3,99,999
  • Up to Rs. 5,999/- for loan amount from Rs. 4,00,000 to Rs. 5,99,999
  • Up to Rs. 7,999/- for loan amount from Rs. 6,00,000 to Rs. 9,99,999
  • Up to Rs. 8,999/- for loan amount from Rs. 10,00,000 to Rs. 14,99,999
  • Up to Rs. 9,999/- for loan amount from Rs. 15,00,000 to Rs. 19,99,999
  • Up to Rs. 10,999/- for loan amount from Rs. 20,00,000 to Rs. 24,99,999
  • Up to Rs. 11,999/- for loan amount from Rs. 25,00,000 to Rs. 29,99,999
  • Up to Rs. 12,999/- for loan amount of Rs. 30,00,000 and above

*All the Flexi facility charges above are inclusive of applicable taxes

*Loan amount includes approved loan amount, insurance premium, and VAS charges.
Principal Holiday Facility Fees
  • Up to Rs.1999/- for loan amount less than Rs.2,00,000
  • Up to Rs.3999/- for loan amount from Rs. 200000 to Rs.399999
  • Up to Rs.5999/- for loan amount from Rs. 400000 to Rs.599999
  • Up to Rs.7,999/- for loan amount from Rs. 600000 to Rs.999999
  • Up to Rs.8,999/- for loan amount from Rs.10,00,000 to Rs. 1499999
  • Up to Rs. 9999/- for loan amount from Rs. 15,00,000 to Rs.19,99999
  • Up to Rs.10,999/- for loan amount from RS. 20,00,000 to RS.2499999
  • Up to Rs.11,999/- for loan amount from RS.25,00,000 to RS. 29,99999
  • Up to Rs. 12,999/- for loan amount of Rs.30,00,000 and above

Above charges are inclusive of applicable taxes & will be deducted upfront from loan amount

*(Loan amount includes approved loan amount, Insurance Premium & VAS Charges)

Bounce charges

Up to Rs. 1,200 per bounce.
“Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason

Part-prepayment charges

Full Pre-payment:
Foreclosure can be processed post clearance of first EMIs.

  • 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 Loan (Flexi Dropline): 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-Payment.

  • Not Applicable for Flexi Term Loan (Flexi Dropline) 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 Loan (Flexi Dropline):

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 0.295% (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

Note: Additional cess if any, will be applicable to all charges according to state law.

*Terms and conditions apply.

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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*.