Personal Loan in Davangere

Personal Loan in Davangere

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

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Rs. 40,000 - Rs. 55 lakh

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

Davangere is a city in Karnataka, India, known for its educational institutions, cotton and textile industries, and the popular sweet dish, "Davangere benne dosa." Home to prestigious universities and colleges, the city blends modernity with traditional charm. Davangere is a bustling hub, contributing to the state's economic and cultural diversity. 


A Bajaj Finserv Personal Loan in Davangere can help you get instant access to funds up to Rs. 55 lakh—without collateral or long paperwork. You can also check if you already have a pre-approved offer in Davangere. The process is 100% digital, with no need to visit a branch.


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


Know more about our personal loan and its features.

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Features and benefits of personal loan in Davangere

Bajaj Finance Limited is offering personal loans with distinctive features catering to diverse financial needs of the borrowers. Here are five key features of a Bajaj Finance Personal Loan:

  • Flexibility in usage

    Personal loans in Davangere provide borrowers with the flexibility to use the funds for various purposes, such as medical emergencies, education expenses, home renovations, or travel. This versatility makes it a preferred choice for addressing diverse financial needs.


  • Quick processing and approval

    Bajaj Finance Limited offer streamlined personal loan application process, resulting in quick approvals. This feature is especially beneficial in urgent situations where individuals require immediate access to funds.
     

  • Competitive interest rates

    Personal loans in Davangere come with competitive interest rates, ensuring that borrowers can access funds without bearing excessively high financial burdens. The interest rates may vary, but they are generally reasonable and affordable.
     

  • Minimal documentation

    The application process for personal loans in Davangere is characterised by minimal documentation requirements. This simplicity eases the burden on applicants, making it more accessible for a broader range of individuals.
     

  • Pre-approved offers

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

  • Flexible repayment options

    Borrowers in Davangere can choose from various repayment plans, allowing them to select an option that aligns with their financial capabilities. This flexibility ensures that individuals can repay the loan without straining their budgets.

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Eligibility criteria and documents for personal loan in Davangere

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

  • Eligibility criteria

    To get a Bajaj Finance Personal Loan in Davangere, meet the simple personal loan eligibility criteria mentioned below: 
     

    • 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 Davangere

    • 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. 

Personal loan interest rates and charges in Davangere

Get a Bajaj Finance Personal Loan at an interest rate starting at just 10% p.a.*. It is advisable to know our fees and charges in detail before applying for a personal loan.

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How to apply for personal loan in Davangere

  • 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.

Bajaj Finance Limited offers personal loans in Davangere with swift disbursal of funds in your account. Borrowers can get a loan with customisable EMI options, coupled with competitive personal loan interest rates to suit varying financial needs


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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