Bajaj Finserv in Gurgaon (Gurugram)

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

  • Zero hidden fees

    Zero hidden fees

    Forget about paying any hidden charge with our transparent policies. Read terms and conditions for more information.

  • High Loan Amount

    High-value loan

    Get a personal loan of up to Rs. 40 lakh and utilise the funds for various financial requirements.

  • Flexi loan facility

    Flexi loan facility

    Select Flexi loan facility and lower EMIs by up to 45%*. Pay interest only on the funds used.

  • Easy online access

    Easy online access

    Keep a tab on the loan account online through our customer portal – Experia.

  • Fastest approval

    Fastest approval

    Fulfil the eligibility criteria and get an instant approval for your funds.

  • Minimal documentation

    Minimal documentation

    Submit a few documents to avail of a personal loan. Fill up and submit the online application form.

  • Money within 24 hours*

    Money within 24 hours*

    We credit the loan amount directly to your account within 24 hours* of approval.

  • Convenient tenor

    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

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Eligibility criteria

Before applying, know the personal loan eligibility criteria and documents. Alternatively, use our Personal Loan Eligibility Calculator and simplify the estimation.

  • Nationality

    Nationality

    Indian resident

  • Employment

    Employment

    Must be a salaried employee at a reputed MNC or a private/ public limited company

  • Credit score

    Credit score

    Above 685

  • Age

    Age

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

  • Income

    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.

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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 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

In case of default of repayment instrument, Rs. 700 - Rs. 1,200 per bounce will be levied.

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.