Howrah, a bustling city known for its rich history and vibrant culture, is also home to individuals with diverse financial needs. Whether you are planning a dream wedding, pursuing higher education, or dealing with unexpected expenses, a personal loan can be an effective solution. Bajaj Finserv Personal Loans offer hassle-free access to funds, tailored to meet the unique requirements of residents in Howrah. This article provides a comprehensive guide on personal loans in Howrah, covering their features, benefits, eligibility criteria, required documents, interest rates, and more.
Features and benefits of personal loan in Howrah
A Bajaj Finserv Personal Loan comes with several features and benefits that make it a preferred choice for borrowers in Howrah:
- High loan amount: You can borrow up to Rs. 55 lakh, ensuring you have sufficient funds for major expenses.
- Instant approval: Get your loan approved within minutes, subject to eligibility.
- Quick disbursal: Funds are disbursed within 24 hours*, helping you address urgent financial needs.
- Flexible loan options: Choose from Term Loan, Flexi Term Loan, and Flexi Hybrid Term Loan based on your requirements.
- No collateral required: Personal loans are unsecured, so you do not need to pledge any assets.
- 100% online process: Apply for a loan from the comfort of your home with a fully digital application process.
- Extended repayment tenure: Enjoy repayment flexibility with tenures of up to 96 months.
Why wait? Check your pre-approved offer with your phone number and OTP → Apply online today → Receive funds within hours*
Eligibility criteria for personal loan in Howrah
To apply for a Bajaj Finserv Personal Loan in Howrah, you need to meet the following 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.
Pro tip: Check eligibility online in minutes — No branch visit required! Use the personal loan eligibility calculator to assess your eligibility instantly.
Documents required to get a personal loan in Howrah
Applying for a personal loan in Howrah is simple and requires minimal documentation. Here is the list of documents you will need:
- 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 Howrah
Bajaj Finance offers personal loans in Howrah with competitive interest rates and a transparent structure. Apart from the interest, certain fees and charges may apply during the loan journey. To learn more about these associated costs and get a detailed breakdown, visit the personal loan interest rate page.
Uses of personal loan in Howrah
Personal loans are versatile and can be used for various purposes. Here are some common use cases:
- Personal loan for travel: You can apply for a personal loan for travel to cover travel costs and enjoy your trip without financial stress.
- Personal loan for marriage: A personal loan for wedding can ease the burden of wedding expenses, allowing you to celebrate the special day in style.
- Personal loan for higher education: Use a personal loan for higher education to fund your studies, whether locally or abroad.
- Personal loan for medical emergency: If you face an unforeseen medical emergency, a personal loan for medical emergency ensures you get immediate financial support.
- Personal loan for home expenses: A personal loan for home expenses can cover home repairs, renovations, or upgrades.
Apply for personal loan in Howrah
Applying for a Bajaj Finserv Personal Loan in Howrah is quick and straightforward. Follow these steps:
- Click on ‘CHECK ELIGIBILITY’ on this page.
- Enter your 10-digit mobile number and the OTP sent to your phone.
- 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.
- Now, click on ‘PROCEED’ to visit the loan selection page.
- Enter the offer or loan amount that you need. Choose from our three personal loan variants –Term, Flexi Term, and Flexi Hybrid Term.
- Choose the repayment tenure and click on ‘PROCEED’.
- Complete your KYC and submit your application.
Our representative will contact you for further steps.
Conclusion
A Bajaj Finserv Personal Loan in Howrah offers a convenient and reliable solution for fulfilling your financial needs. With features like instant approval, flexible repayment options, and competitive interest rates, it is the ideal choice for residents seeking quick access to funds. Whether you need money for travel, education, weddings, medical emergencies, or home improvement, Bajaj Finance provides versatile loan options tailored to your requirements.
