Personal Loan in Delhi NCR

Personal Loan in Delhi NCR

A personal loan in Delhi is available from Rs. 40,000 to Rs. 55 lakh, with interest rates starting at 10% p.a. and a tenure of up to 9 years. Check your eligibility with your phone number and OTP - no branch visit needed.
Loan Types

Loan Types

Calculator

Calculator

FAQs

FAQs

Video

Video

Rs. 40,000 - Rs. 55 lakh

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You may be eligible for a pre-approved offer

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

 
 

Key Takeaways


A personal loan in Delhi can help manage expenses such as weddings, education, home renovation, medical needs, or travel. Loan amounts range from Rs. 40,000 to Rs. 55 lakh, with interest rates of 10% and 30.5% p.a. and tenure of up to 9 years.


  • Loan amount: Borrowers can access Rs. 40,000 to Rs. 55 lakh, subject to eligibility and applicable terms.
  • Interest rate: Personal loan interest rates range from 10% to 30% p.a., depending on the borrower’s profile.
  • Flexible repayment: Choose a suitable tenure of up to 9 years based on repayment capacity.
  • Personal loan in Delhi NCR: Apply online with minimal documentation and quick approval, without providing collateral.
  • Digital process: Check eligibility using a mobile number and OTP and complete the application online.

Get personal loan in Delhi

Delhi is a major economic and commercial hub where people may need funds for planned expenses or unexpected financial requirements. From daily commitments to larger expenses, residents may need flexible financial support at different stages.


A personal loan in Delhi NCR can help manage expenses such as weddings, education, home renovation, travel, or medical needs. Bajaj Finance offers quick approvals, minimal documentation, and a digital application process for eligible applicants.


 Applicants can check pre-approved offers using mobile number and OTP, making the process fully digital and quick.

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Features and benefits for personal loan in Delhi

  • Pre-approved offers

    You can check if you have a pre-approved offer for a personal loan in Delhi. All it takes is just your phone number and OTP.

  • Money in your account in 24 hours*

    You will get the loan amount in your bank account within 24 hours*, making it easy to manage any urgent expenses.

  • High loan amount and flexible tenure

    You can take a loan ranging from Rs. 40,000 to Rs. 55 lakh - and spread the repayment over long tenure of up to 9 years.

  • Quick approval

    Fill up and submit a personal loan application and get approved almost instantly.

  • Minimal documents

    With very little paperwork required, the loan application and approval process becomes quick and convenient.

  • Online loan management

    Use our customer portal, My Account, and manage your loan account online.

  • No hidden charges

    We maintain transparent terms and conditions, free from any hidden charges.

*Terms and conditions apply.

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Eligibility criteria and documents for personal loan in Delhi

You can easily get funds in Delhi with the below personal loan eligibility criteria:

  • Personal loan eligibility criteria in Dehli

    NationalityIndian
    Age21 years to 80 years
    Employed withPublic, private, or MNC.
    CIBIL Score650 or higher.
    Customer profileSelf-employed or Salaried

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

  • Documents required for personal loan In Delhi

    Documentation requirements for a Bajaj Finance Personal Loan are minimal. Five document categories are required at the time of application:


    Document CategoryAccepted Options
    KYC proofAadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
    Identity proofPAN card, Real-time image / photograph
    Employment proofEmployee ID card, Letter of Allotment of Accommodation Issued by Employer
    Income proofSalary slips — last 3 months, Bank account statements — last 3 months
    OthersPension order, Utility bill, Phone bill, Piped gas bill, Property / Municipal tax receipt


     

    Know more about the personal loan documents required during application.

Fulfil the eligibility criteria and get affordable interest rates from Bajaj Finance. Know the other charges and fees for better understanding. Use the interest calculator to make informed decisions about loan repayment.


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Personal loan interest rates in Delhi

When applying for a personal loan in Delhi NCR, understanding the interest rate is essential because it directly affects your monthly EMI and total repayment amount. A suitable interest rate can help you manage your finances comfortably without putting pressure on your monthly budget.


Interest rates for personal loans in Delhi usually depend on factors such as income, employment stability, credit history, and repayment behaviour. Borrowers with a strong financial profile and a good credit record may be eligible for more competitive rates and flexible repayment options.


Before applying, it is always wise to review all applicable charges, including processing fees and repayment terms. You can check the latest personal loan interest rates to understand the overall cost of borrowing and make a well-informed financial decision.

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How to apply for personal loan in Delhi

  • Step-by-step guide to applying for a personal loan in Delhi

    1. Check loan eligibility – Visit our personal loan page, enter the loan amount you need, select the repayment period, and click on "CHECK LOAN OFFER" to check your loan eligibility.
    2. Enter personal details – Provide your personal, financial, and employment details to receive a personalised loan offer.
    3. Review your loan offer – Check your offer details and adjust the loan amount or repayment tenure, if required.
    4. Complete KYC verification – Verify your identity and bank details to proceed with your application.
    5. Speak to a loan specialist – Once your application is submitted, an executive will contact you with the next steps.

Why choose Bajaj Finance for a personal loan in Delhi?


Bajaj Finance offers a convenient loan in Delhi with a digital application process, quick approval, and minimal documentation for eligible applicants.


  • Flexible loan amount: Borrow from Rs. 40,000 to Rs. 55 lakh.
  • Competitive interest rates: Rates range from 10% and 30.5% p.a.
  • Flexible tenure: Repayment tenure ranges from 12 months to 108 months.
  • No collateral: No security is required for the personal loan.
  • Quick disbursal: The approved loan amount can be disbursed within 24 hours*.
  • Digital process: Apply online and manage the loan without a branch visit.


Our personal loan branches in Delhi


Personal Loan In JanakpuriPersonal Loan In Derawal Nagar
Personal Loan In Lajpat NagarPersonal Loan In Dwarka Sector 4



 


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Key offerings: 3 loan types

  • Flexi Hybrid Loan
  • Flexi 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.

Compare loan variants

What are the uses of Personal Loan
 

What are the uses of Personal Loan

  • Flexi Hybrid Loan
  • Flexi Dropline Loan
  • Term Loan

Instalment

Interest-only EMIs for the initial part of the loan tenure. EMI applicable only on the withdrawn amount

Tenure

Initial tenure: Up to 36 months, Subsequent tenure: Up to 72 months

Annual maintenance charges

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

Part-prepayment facility

No part-prepayment charges

Flexi facility charges

Nominal Flexi facility charges applicable

Loan amount

Rs. 40,000 to Rs. 55 lakh

Disbursal

Withdraw and prepay conveniently from your sanctioned loan limit

Instalment

Fixed EMIs that cover both the principal and interest on the withdrawn amount

Tenure

12 months to 108 months

Annual maintenance charges

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.

Part-prepayment facility

No part-prepayment charges

Flexi facility charges

Nominal Flexi facility charges applicable

Loan amount

Rs. 40,000 to Rs. 55 lakh

Disbursal

Withdraw and prepay conveniently from your sanctioned loan limit

Instalment

Fixed EMIs that cover both the principal and interest

Tenure

12 months to 108 months

Annual maintenance charges

Not applicable

Part-prepayment facility

Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment.

Flexi facility charges

No Flexi facility charges.

Loan amount

Rs. 40,000 to Rs. 55 lakh

Disbursal

Single disbursement of the loan amount

Personal loan interest rate and applicable charges

Type of fee

Applicable charges

Rate of interest per annum

10% to 30.5% p.a.

Processing fees

Up to 4.13% 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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Frequently asked questions

Overview

Application

Common Queries

Why is Bajaj Finance one of the best NBFCs and personal loan providers in Delhi?

Bajaj Finance is one of the best personal loan providers in Delhi NCR. For residents of NCR, Bajaj Finance can be a good choice as it offers the following:


  • A complete online application process
  • Collateral-free personal loans
  • 100% transparent terms and conditions
  • Flexible repayment tenure
  • High loan value of ranging from Rs. 40,000 to Rs. 55 lakh
  • Minimal documentation
  • Instant approval and quick credit to account
  • Online account management facility
  • Flexi facility

Keep the below documents handy when applying for a personal loan:


  • 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


Irrespective of your location in Delhi-NCR, you can easily apply for a Bajaj Finance Personal Loan online by following these steps:


  • Fill up the application form accurately
  • Submit essential documents
  • Get approval and money in your account within hours

To know the highest loan amount you are qualified to avail of, use the online Eligibility Calculator.

Personal loan EMI can be calculated online using a personal loan EMI calculator or the standard EMI formula. A personal loan EMI calculator provides quick results by entering the loan amount, interest rate, and tenure. Alternatively, the EMI formula calculates the monthly instalment using these three values. Both methods help plan repayments.

Yes, you can get an unsecured personal loan in Delhi NCR without collateral. Lenders assess your income, credit score, and repayment capacity before approval.

A low credit score may reduce approval chances, but some lenders offer personal loans at higher interest rates. Improving your score can increase eligibility.

Yes, self-employed individuals can apply. Lenders evaluate income stability, business performance, and creditworthiness before approving the loan.

Many lenders charge a prepayment or foreclosure fee. Check your loan terms to understand the applicable charges before making an early repayment.

With a Bajaj Finance Personal Loan, you can get the funds within 24 hours* of approval. Check your offer in just 2 steps and apply online to get our loan.

Salary requirements can vary. It’s important to review the eligibility criteria and terms and conditions before submitting your personal loan application.

Yes, eligible applicants can get a personal loan in Delhi with minimal documentation. The application process requires basic KYC and income-related documents, subject to the applicant’s profile and applicable requirements. Applicants can complete the process online, which helps reduce paperwork and avoid a branch visit.

Yes, a person with a low salary may be eligible for a personal loan in Delhi, subject to the lender’s eligibility criteria. Income, employment profile, CIBIL Score, existing financial obligations, and repayment capacity may be considered. Applicants should check their eligibility before applying for a loan amount.

Indian citizens aged 21 years to 80 years at the end of the loan tenure may be eligible for a personal loan in Delhi. Applicants can be salaried or self-employed and should meet the applicable income, CIBIL Score, employment, and other eligibility requirements.

The interest rate for a personal loan in Delhi ranges from 10% and 30.5% p.a. The applicable rate may vary based on factors such as the applicant’s CIBIL Score, income, employment profile, repayment history, loan amount, and tenure. Applicants should review the applicable terms before applying.

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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