Personal loan in Dahanu

Personal loan in Dahanu

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

Loan Types

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Calculator

FAQs

FAQs

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Rs. 40000 - Rs. 55 lakh

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

Dahanu, a picturesque coastal town in Maharashtra, captivates visitors and residents alike with its serene beaches, lush greenery, and vibrant culture. This charming destination offers a unique blend of natural beauty and modern amenities, making it an ideal place for both relaxation and business opportunities.


Whether you need funds for exploring new travel destinations, managing medical emergencies, upgrading your coastal home, or handling other personal expenses, a personal loan in Dahanu can be the perfect financial solution. With flexible repayment options and competitive interest rates, you can access instant funds without any collateral requirements. You can also check if you already have a pre-approved offer in Dahanu. The process is 100% digital, with no need to visit a branch.


✅  Check your pre-approved loan offer in Dahanu 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 Dahanu

A personal loan in Dahanu comes with numerous advantages designed to meet the unique needs of coastal town residents:

  • Quick approval and disbursal: Get instant approval and receive funds within 24 hours* - perfect for urgent needs or time-sensitive opportunities in Dahanu's dynamic economy.
  • No collateral required: Completely unsecured loan - no need to pledge your coastal property, gold, or other valuable assets as security.
  • Flexible repayment tenure: Extended tenure options up to 96 months allow you to choose EMI amounts that comfortably fit your monthly budget and income cycle.
  • Pre-approved offers: You can check if you have a pre-approved offer for a personal loan in Dahanu with just your phone number and OTP – no need to visit the branch.
  • Competitive interest rates: Attractive rates based on your credit profile ensure affordable EMIs that don't strain your finances.
  • Minimal documentation: Simple paperwork with only essential documents required - no complex procedures or lengthy verification processes.
  • Multi-purpose usage: Freedom to use funds for any legitimate personal purpose.

Why this matters for Dahanu residents: Living in a coastal town means dealing with seasonal income variations, tourism-related opportunities, and unique lifestyle needs. Our flexible loan features accommodate these specific requirements perfectly.


Popular uses of personal loan in dahanu

A personal loan in Dahanu offers complete flexibility and can be used for various purposes that reflect the coastal lifestyle and opportunities:
 

  • Travel and tourism: Explore beautiful destinations beyond Dahanu's coast, fund family vacations, or invest in travel-related business opportunities. Personal loan for travel makes dream trips affordable.
  • Wedding celebrations: Plan memorable beachside or traditional weddings with all the amenities and services you desire. Personal loan for wedding covers all ceremony and reception costs.
  • Education financing: Cover tuition fees, accommodation, or professional development expenses for yourself or family members. Personal loan for education invests in future success.
  • Medical emergencies: Access immediate funds for urgent healthcare needs, treatments, or hospital expenses. Personal loan for medical emergency ensures timely care.
  • Home renovation: Upgrade your coastal property, install modern amenities, or protect against weather-related wear. Personal loan for home expenses enhances your living space.
  • Business opportunities: Fund tourism-related ventures, seasonal businesses, or equipment purchases to capitalise on Dahanu's coastal economy.
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Eligibility criteria and documents for personal loan in Dahanu

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: 685 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 Dahanu

    • 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 Dahanu

Personal loan interest rates in Dahanu depend on factors like income, credit score, and loan amount. Learn more about the personal loan interest rate.

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How to apply for personal loan in Dahanu

  • 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.

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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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Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.