Personal loan in Gurgaon

Personal loan in Gurgaon

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

Loan Types

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Calculator

FAQs

FAQs

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₹40,000 - ₹55 Lakh

You may be eligible for a pre-approved offer in Gurgaon

Check now

Enter mobile and OTP | Check offer | No branch visit needed

Meet Your Financial Needs with Personal Loan

 
 

Whether you are upgrading your home in DLF, planning a destination wedding, investing in your child’s education, or managing a medical emergency, a Bajaj Finance Personal Loan in Gurgaon is designed to meet your financial needs—quickly, securely, and 100% online.

Check your pre-approved loan offer in Gurgaon with phone number and OTP → Apply online in 5 minutes → Receive funds within a day*

Get a loan of up to Rs. 55 lakh, enjoy instant approval, and receive funds in just 24 hours*—no collateral, no paperwork, and no branch visits.

Bajaj Finance in Gurugram (Gurgaon)

  • Whether you are upgrading your home in DLF, planning a destination wedding, investing in your child’s education, or managing a medical emergency, a Bajaj Finance Personal Loan in Gurgaon is designed to meet your financial needs—quickly, securely, and 100% online.

    Check your pre-approved loan offer in Gurgaon with phone number and OTP → Apply online in 5 minutes → Receive funds within a day*

    Get a loan of up to Rs. 55 lakh, enjoy instant approval, and receive funds in just 24 hours*—no collateral, no paperwork, and no branch visits.

A thriving corporate and residential hub in Haryana, Gurgaon (Gurugram) is home to top MNCs, IT parks, shopping malls, and premium neighbourhoods like Golf Course Road, Cyber City, and Sohna Road. With a fast-paced lifestyle and high living costs, residents often turn to personal loans for quick access to funds. A personal loan in Gurgaon makes it easier to manage large expenses without dipping into savings or selling assets.

*Terms and conditions apply

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Features of personal loan in Gurgaon

  • Zero hidden fees

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

  • High-value loan

    Get a personal loan of up to Rs. 55 lakh and utilise the funds for various financial requirements.

  • Pre-approved offers

    You can check if you have a pre-approved offer for a personal loan in Gurgaon. All it takes is just your phone number and OTP.

  • Easy online access

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

  • Fastest approval

    Fulfil the eligibility criteria and get an instant approval for your funds. Instantly estimate the monthly instalments on your loan and interest payable with our interest calculator.

  • Minimal documentation

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

  • Money within 24 hours*

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

  • Convenient tenure

    Choose a tenure ranging from 12 months to 108 MONTHS and repay the loan easily. Use our personal loan eligibility calculator to see how much loan amount you can borrow.

*Terms and conditions apply

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Eligibility criteria and documents for personal loan in Gurgaon

  • Eligibility criteria

    • Nationality: Indian
    • Age: 21 years to 80 years.
    • Employed with: Public, private, or MNC.
    • CIBIL Score: 650 or higher.
    • Customer profile: Self-employed or Salaried

    *You should be 80 years or younger, at the end of the loan tenure.

  • Documents required

    • 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
    • Real-time image / photograph
    • Ration card

Check your eligibility for personal loan using just mobile number and OTP – 100% online process. 


 

Multipurpose of personal loan 

Personal Loan for Travel Personal Loan for Wedding Personal Loan for Higher Education 
Personal Loan for Home Expenses Personal Loan for Medical Emergency Personal Loan for Agriculture Expenses 


 

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How to apply for personal loan in Gurgaon

  • 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 three personal loan variants –Term, Flexi Term, and Flexi Hybrid Term.
    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.

Get personal loans interest rate at attractive rates from Bajaj Finance and repay them conveniently in affordable EMIs. 



Get personal loan in different cities 

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Key offerings: 3 loan types

  • Flexi Hybrid Term Loan
  • Flexi Term (Dropline) 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 36 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 30.5% p.a.

Processing fees

Up to 4.13% of the loan amount (inclusive of applicable taxes).

Flexi Facility Charge

Term Loan – Not applicable

Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes)

Will be deducted upfront from loan amount.

Bounce charges

Rs. 700 to Rs. 1,200/- per bounce

“Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.

Part-prepayment charges

Full Pre-payment:

  • 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 (Dropline) Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

  • Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

Part Pre-payment

  • 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 (Dropline) Loan 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 (Dropline) Loan:

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 0.472% (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

Credit guarantee scheme feeUp to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount
Credit guarantee scheme renewal feeUp to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year.
*Renewal Fee to be collected only for 3 subsequent financial years.
 
**If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated.

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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*.
For customer support, call Personal Loan IVR: 7757 000 000