Personal Loan in Gondia

Personal Loan in Gondia

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

Loan Types

Calculator

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

Need quick funds for a personal goal or unexpected expense in Gondia? Whether it's planning a wedding, funding education, or managing a medical emergency, financial support should be accessible, fast, and stress-free. That's exactly what a Bajaj Finserv Personal Loan in Gondia offers—an easy, 100% online way to get access to high-value funds with minimal paperwork and quick approval.


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


Living in Gondia, you understand the importance of having reliable financial support when life presents opportunities or challenges. Whether you're a government employee, work in the private sector, or run your own business, unexpected expenses can arise at any moment. Having quick access to funds means you can focus on what matters—your family's well-being, personal goals, or business growth—without the stress of financial constraints.

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Features and benefits of personal loan in Gondia

With a Bajaj Finserv Personal Loan in Gondia, you can benefit from:

  • Loan amount up to Rs. 55 lakh: Get high-value funds suitable for major expenses like weddings, education, or home renovations.
  • Funds disbursed within 24 hours*: Quick access when you need it most—perfect for urgent situations or time-sensitive opportunities.
  • Instant approval process: No long waiting periods or uncertainty—get approval in minutes.
  • 100% online application: Apply from home without branch visits or standing in queues.
  • No collateral needed: Unsecured loan means your property and assets remain safe.
  • Pre-approved offers: You can check if you have a pre-approved offer for a personal loan in Gondia with just your phone number and OTP.
  • Flexible tenure: Choose repayment periods from 12 to 96 months to match your budget.
  • Flexi Loan variants: Special options for better financial control:
    • Flexi Term Loan: Withdraw multiple times without fresh applications, pay interest only on amount used
    • Flexi Hybrid Term Loan: Pay interest-only EMIs for up to the first 24 months of the repayment period
       

Pro-tip: The Flexi Loan facility helps manage irregular expenses like home repairs or hospital bills without extra prepayment charges. It gives you financial flexibility to handle varying monthly expenses without penalty fees.


Know more about our personal loan and its features.

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Eligibility criteria for personal loan in Gondia

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.


    Quickly estimate the loan amount you can get using our personal loan eligibility calculator.

  • Documents required for a personal loan in Gondia

    Here is a list of documents required for a personal loan that you can keep handy when applying:


    • 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 Gondia

The interest rate on your personal loan in Gondia depends on many things such as your credit score, income, and the loan amount. Know more about the personal loan interest rate to calculate your monthly EMI and choose the best option.

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How to apply for personal loan in Gondia

  • 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.

Uses of personal loan in Gondia

Here are some smart ways you can use your loan amount in Gondia:
 

  • Travel – Planning a family trip or honeymoon? Use your loan for international or domestic travel expenses.
  • Weddings – Plan your dream wedding in Gondia without compromising on quality.
  • Education – Support your higher education goals or pay for your child’s tuition abroad.
  • Medical emergencies – Unexpected medical costs can be stressful. A personal loan helps you get timely treatment without financial strain.
  • Home improvements – From renovations to purchasing appliances, a personal loan can cover all your home-related needs.
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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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Disclaimer

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