Personal Loan in Himachal Pradesh

Personal Loan in Himachal Pradesh

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

Loan Types

Calculator

Calculator

FAQs

FAQs

Video

Video

Rs. 40000 - Rs. 55 lakh

Calculate your EMIs

You may be eligible for a pre-approved offer

Check now

Enter mobile and OTP | Quick online approval | Get money in a day*

Bajaj Finserv in your city

Are you in Himachal Pradesh and looking for quick financial assistance? Whether it is for a family wedding, medical emergency, higher education, or home renovation, a Bajaj Finserv Personal Loan can be your go-to solution. You can also check if you already have a pre-approved offer in Pune. The process is entirely digital:
 

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


Himachal Pradesh, known for its serene landscapes and vibrant culture, is home to individuals with diverse financial needs. Whether you are in Shimla, Dharamshala, Mandi, or any other city, Bajaj Finance offers a robust and user-friendly digital platform that allows you to apply for a personal loan in Himachal Pradesh from the comfort of your home.
 

*Terms and conditions apply.

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Features of personal loan in Himachal Pradesh

  • Pre-approved offers

    You can check if you have a pre-approved offer for a personal loan in Himachal Pradesh with just your phone number and OTP.

  • High-value loan

    Manage both small and large expenses with quick personal loans ranging from Rs. 40000 to Rs. 55 lakh—perfect for business investments, property purchases, or major life events. Check the personal loan eligibility criteria before applying.

  • Money in your account in a day*

    Get the loan amount in your bank account within 24 hours*, making it easy to manage any urgent expenses.

  • Minimal paperwork

    Submit just a few basic documents to get the funds you need.

  • Flexible tenure

    You can take a personal loan ranging from Rs. 40000 to Rs. 55 lakh - and spread the repayment over long tenure of up to 8 years. 

  • Quick approval

    Apply online to receive quick approval on your personal loan in Himachal Pradesh within a few minutes.

  • No collateral

    Get the personal loan without any collateral or guarantor – making the process simple and quick. Use the personal loan EMI calculator for to estimate your EMI.

  • Online management

    Use our customer portal, My Account, and manage your loan account online.

  • No hidden charges

    Personal loan from Bajaj Finserv maintains 100% transparency and does not levy any hidden charges. Read the terms and conditions to know more.

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Eligibility criteria and documents for personal loan in Himachal Pradesh

You can easily get the funds you need in with the below criteria:

  • 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. 


    Also, estimate the monthly instalments with a personal loan EMI calculator.

  • 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

    Use the personal loan eligibility calculator to know the maximum loan amount you can get before applying.

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How to apply for a personal loan in Himachal Pradesh

  • Follow these steps 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. 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 loan amount that you need.
    6. Choose the repayment tenure and click on ‘PROCEED’.
    7. Complete your KYC and submit your application.
       

    Our representative will guide you on the next steps. The loan amount will be transferred to your bank account on the successful verification of your documents. Check your eligibility for personal loan using just mobile number and OTP – 100% online process.


    Know the interest rates and additional charges on a personal loan from Bajaj Finserv and repay it conveniently.

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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 Loans – Up to Rs 1,999 to Rs 12,999/- (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) 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 (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 0.472% (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 0.472% (Inclusive of applicable taxes) of Dropline limit during Subsequent Tenure

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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