Bajaj Finserv in your city
One of the main satellite cities of Delhi, Gurgaon is a major IT hub. This city is home to several international companies like Coca-Cola, BMW, Pepsi, etc.
Get a personal loan from Bajaj Finserv in Gurgaon and repay it in easy EMIs. Apply for an online loan to save time and make the process hassle-free.
Features of personal loan in Gurgaon
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Zero hidden fees
Forget about paying any hidden charge with our transparent policies. Read terms and conditions for more information.
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High-value loan
Get a personal loan of up to Rs. 40 lakh and utilise the funds for various financial requirements.
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Flexi loan facility
Select Flexi loan facility and lower EMIs by up to 45%*. Pay interest only on the funds used.
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Easy online access
Keep a tab on the loan account online through our customer portal – Experia.
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Fastest approval
Fulfil the eligibility criteria and get an instant approval for your funds.
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Minimal documentation
Submit a few documents to avail of a personal loan. Fill up and submit the online application form.
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Money within 24 hours*
We credit the loan amount directly to your account within 24 hours* of approval.
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Convenient tenor
Choose a tenor ranging from 6 months to 96 months and repay the loan easily.
Gurgaon is one of the most developed cities in North India. Various international companies have their base in this city. The service sector is responsible for the overall growth of the state.
Bajaj Finserv offers a personal loan for the residents of Gurgaon. Get instant funds by applying online—no need to provide collateral or asset. The simple eligibility criteria and nominal documentation make the process quicker.
Apply online to get the best deals on a personal loan.
*Conditions apply
Eligibility criteria
Before applying, know the personal loan eligibility criteria and documents. Alternatively, use our Personal Loan Eligibility Calculator and simplify the estimation.
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Nationality
Indian resident
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Employment
Must be a salaried employee at a reputed MNC or a private/ public limited company
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Credit score
Above 685
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Age
Between 21 years to 80 years*. 80 years* or younger, at the end of the loan tenure.
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Income
Refer to our city list for minimum salary requirements
Meeting the eligibility will offer you the best offers and the highest loan amount possible. Improve them to negotiate for better terms.
Interest rates and charges
Bajaj Finserv Personal Loan comes at affordable interest rates and nominal fees.
Personal loan interest rates and applicable charges
Type of fee |
Applicable charges |
Rate of interest |
11% to 37% 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)
*All the Flexi charges above are inclusive of applicable taxes *Loan amount includes approved loan amount, insurance premium, and VAS charges. |
Bounce charges |
In case of default of repayment instrument, Rs. 700 - Rs. 1,200 per bounce will be levied. |
Pre-payment charges | Full Prepayment
Part-prepayment
*Foreclosure will be processed post clearance of first EMI |
Penal Interest |
Delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the monthly instalment outstanding, from the respective due date until the date of receipt of the monthly instalment. |
Stamp duty |
Payable as per state laws and deducted upfront from loan amount. |
Mandate rejection charges |
Rs. 450 per month from the first month of the due date for the mandate rejected by customer’s bank until the registration of new mandate. |
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:
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. |
*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%, 35%, and 34.45% per annum respectively. Part pre-payment and Foreclosure charges are NIL.