Bajaj Finserv in your city

Ghaziabad is one of Northern India’s largest planned cities and is known as the Gateway of Uttar Pradesh, with one of the second-fastest growing industrial bases. The steel and electronics industries compose the city’s major employment sectors.

City residents can conveniently avail of a Bajaj Finserv Personal Loan in Ghaziabad from any of the 3 branches here to fulfil their diverse funding needs with ease.

Features and benefits

  • Hassle-free documentation

    Hassle-free documentation

    Complete hassle-free paperwork with minimum document requirements to receive approval.
  • Money credited within 24 hours*

    Money credited within 24 hours*

    With Bajaj Finserv bringing the fastest personal loan, receive money in the account within 24 hours* of approval.

  • Flexi loan facility

    Flexi loan facility

    The Flexi loan facility allows you to borrow as you go with EMI reduction by up to 45%*.

  • Repayment flexibility

    Repayment flexibility

    Choose from a flexible tenor of up to 96 months to make affordable repayments.

  • 100% transparency

    100% transparency

    With zero hidden charges, Bajaj Finserv maintains 100% transparency in terms and conditions.

  • Financing of up to Rs. 40 lakh

    Financing of up to Rs. 40 lakh

    Meet both big and small financing needs with a high-value personal loan of up to Rs. 40 lakh.

  • Online management

    Online management

    Gain access to your loan account through the customer portal - My Account, for easy loan management from anywhere.

One of the major industrial bases in North and West India, Ghaziabad also hosts the administrative headquarters of its namesake district. The city also boasts a well-planned transportation infrastructure with its road and rail network and is one of the central North Indian rail junctions.

The city’s history dates back to the 18th century, with some of the top tourist attractions situated here. Bajaj Finserv brings one of the most easily accessible personal finances to the city residents against minimum eligibility requirements and zero collateral. Its easy online application fuels accessibility to the funding option.

*Conditions apply

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Eligibility criteria

Provide only a few documents to fulfil personal loan eligibility criteria with Bajaj Finserv during application.

  • Age

    Age

    Between 21 years to 80 years*. 80 years* or younger, at the end of the loan tenure. 

  • CIBIL score

    CIBIL score

    685 and above

  • Job-status

    Job-status

    Should be employed with an MNC or a private/public limited company
  • Nationality

    Nationality

    Resident Indian citizen

Bajaj Finserv brings collateral-free financing with minimal eligibility and document requirements to make funding convenient. Assess your affordability with a personal loan EMI calculator before applying to make an informed borrowing decision.

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Interest rates and charges

Interest rates on personal loan are kept nominal with competitive charges for affordable financing.

Personal loan interest rates and applicable charges

Type of fee

Applicable charges

Rate of interest

11% to 38% p.a.

Processing fees

Up to 3.93% of the loan amount (inclusive of applicable taxes).

Flexi Fee

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 charges above are inclusive of applicable taxes

*Loan amount includes approved loan amount, insurance premium, and VAS charges.

Bounce charges

Rs. 700 - Rs. 1,200 per bounce.
“Bounce charges” shall mean charges for 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

Pre-payment charges

Full Prepayment

  • Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment.
  • Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment.
  • Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as of the date of full prepayment.

Part-prepayment

  • Term Loan: Up to 4.72% (inclusive of applicable taxes) of the principal amount of the loan prepaid on the date of such part-prepayment.
  • Not Applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid.

*Foreclosure will be processed post clearance of first EMI

Penal charge

Delay in payment of instalment(s) shall attract a penal charge of up to Rs. 12 per day 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.

Instalment default charge 

Rs. 450/- per month from the first instalment due date for mandates rejected by customers bank until the new mandate is registered.

Annual maintenance charges

Term Loan: Not applicable

Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges.

Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount during the initial tenure. Up to 0.295% (inclusive of applicable taxes) of total withdrawable amount during subsequent tenure.

Broken period interest / Pre-monthly Instalment interest

"Broken Period Interest/Pre-monthly Instalment interest" shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios:

Scenario 1 - Over and above the period of 30 days from the date of disbursement of the Loan:

Method of recovery of Broken Period Interest/Pre-monthly Instalment interest:

  • For Term Loan: Deduct from disbursement or added in first EMI, as applicable.
  • For Flexi Term Loan: Added to first instalment amount
  • For Hybrid Flexi Loan: Added to first instalment amount

Scenario 2: Less than period of 30 days from the date of disbursement of the Loan:

Interest on first instalment will be charged for actual number of days.

Switch fee Up to 1.18% of the loan amount (inclusive of applicable taxes).
Switch fee is applicable only in case of switch of loan. In switch cases, processing fees will not be applicable.
Cash collection handling charges Rs. 177 (inclusive of applicable taxes) will be charged if customer opts to make payment in cash when the collection is done by the collection agents. This fee is charged only once per month, regardless of the number of payments made against multiple LANs.
Cash deposit charges Customers will incur a cash deposition charge of Rs. 50 (inclusive of applicable taxes) when making cash payments at our branch offices.
PG facility charges Rs. 11 (inclusive of applicable taxes) will be charged for utilizing the payment gateway to make part or full payments towards the loan through digital properties.

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

*Terms and conditions apply.

For Micro Finance Loans, please note below:
Purchase of any non-credit product by the microfinance borrowers is purely on a voluntary basis. Minimum interest, maximum interest, and average interest are 13%, 38%, and 36.79% per annum respectively. Part pre-payment and Foreclosure charges are NIL.