Bajaj Finserv in your city

Dharamshala is one of the most famous tourist destinations in Himachal Pradesh. It has been chosen for development under the government’s Smart Cities Mission.

Residents of Dharamshala can now access large financing with a personal loan from Bajaj Finserv. To benefit from the best features on loan, click on ‘Apply Online’.

Features of personal loan in Dharamshala

  • Longer tenor

    Longer tenor

    Repayments are now easier with tenors of up to 60 months. Choose an appropriate schedule at your convenience.

  • Transparent policy

    Transparent policy

    We bring 100% transparent policies where no hidden charges are included.
  • Fast approval

    Fast approval

    Addressing monetary urgencies have become easier with the instant approval feature from Bajaj Finserv.

  • Money within %$$PL-Disbursal$$%*

    Money within 24 hours*

    The approved funds are transferred to your bank account within 24 hours*. Use as and when required.

  • Loans up to %$$PL-Loan-Amount$$% loan

    Loans up to Rs. 25 lakh loan

    You can avail of credit up to Rs. 25 lakh and utilise the money for multiple purposes unrestrictedly.

  • Submit basic documents

    Submit basic documents

    No more complex documentation process. Complete the loan application with a few basic documents only.
  • Collateral-free loan

    Collateral-free loan

    Avoid keeping any asset against the funds you seek. Avail of the personal loan instantly by meeting simple eligibility criteria.

  • Pre-approved offers

    Pre-approved offers

    Such offers not only make the loan availing process simple but save time as well.
  • Online account

    Online account

    To access your loan information, such as application status, EMI, principal, etc., log in to our customer portal – Experia.

  • Flexibility

    Flexibility

    With Flexi loan facility, pay up to 45%* lesser EMIs on your personal loan.

Dharamshala is known for its tea plantations, including the famous Kangra tea. The city also serves as a pit stop for several popular trekking trails.

Interested individuals looking for adequate financing can approach Bajaj Finserv. Our personal loans of up Rs. 25 lakh can fulfil diverse necessities without any hassle. Borrowers can now stay updated about their loan application status, EMI due dates, upcoming payments, current outstanding and more through our customer portal – Experia. Enjoy the most flexible terms of borrowing from us.

*Conditions apply

Read More Read Less

Eligibility criteria

Following are the personal loan eligibility parameters every borrower needs to meet.

  • Credit score

    Credit score

    750 and higher

  • Employment

    Employment

    Salaried employee at an MNC, private or public company
  • Age

    Age

    Between 21 years and 67 years*

  • Citizenship

    Citizenship

    Indian, residing in this country
  • Minimum salary

    Minimum salary

    View the city list to know your minimum income

Besides the above, you must try to keep your financial obligations to a minimum. Improve your credit score and maintain a clean credit history for instant approval. With Bajaj Finserv, be assured of accessibility and affordability.

Read More Read Less

Interest rates and charges

Check out the fees and charges on a personal loan to understand how much you will need to repay. Estimate your monthly instalments using our online personal loan EMI calculator.

Frequently asked questions

How much processing fee do I have to pay?

You need to pay up to 4% of the personal loan amount as a processing fee.

Is part payment allowed in these personal loans?

Yes. Bajaj Finserv allows part payment of personal loans with a maximum of six EMIs in a calendar year. Again, the minimum amount for every part payment is three EMIs.

How does the Bajaj Finserv EMI Calculator calculate EMI?

This online tool calculates EMIs based on the following formula:

E = P x R x (1+R) ^N / ((1+R) ^N-1).

Do I have to calculate EMIs as per the formula manually?

No. Bajaj Finserv EMI Calculator computes the EMIs, interest payable and total cost of loan automatically. However, you need to provide the loan amount, the applicable rate of interest and the preferred tenor.

Read More Read Less