Personal Loan in Jharkhand

Personal Loan in Jharkhand

Check your personal loan eligibility in Jharkhand without branch visit and apply online from your phone.

Loan Types

Loan Types

FAQs

FAQs

Video

Video

₹40,000 - ₹50 Lakh

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

Check now

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

Bajaj Finserv in your state

  • Looking for a simple way to manage unexpected expenses in Jharkhand? Whether it is for home renovation, education, wedding, or a medical emergency, a Bajaj Finserv Personal Loan offers quick and flexible funding—completely online and without the need for a branch visit.

    You can also check if you already have a pre-approved offer in Jharkhand. The process is fully digital and easy to complete in minutes -

    Check your personal loan offer in Jharkhand with phone number and OTP → Apply online in 5 minutes → Receive funds within a day*.

Jharkhand, which means ‘land of forests’ is a resource-rich state in eastern India, known for its mining industries, growing infrastructure, and cultural diversity. Cities like Ranchi, Jamshedpur, Dhanbad, and Bokaro are expanding rapidly, increasing financial aspirations and lifestyle needs. Although majorly rural, the state has seen great economic growth in recent years. From managing large expenses to funding dreams, personal loans are becoming a popular choice across the state. Walk into any of the branches of Bajaj Finserv in Jharkhand or apply online now.

*Terms and conditions apply.

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Features of personal loan in Jharkhand

  • Pre-approved offers

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

  • Money in your account in 24 hours*

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

  • High loan amount and flexible tenure

    You can take a personal loan ranging from Rs. 40,000 to Rs. 55 lakh - and spread the repayment over long tenure of up to 8 years.

  • Quick loan approval

    Apply online to receive quick approval on your personal loan in Jharkhand 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 loan management

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

  • No hidden charges

    Bajaj Finance maintains 100% transparency and does not levy any hidden charges on personal loans. Read the terms and conditions to know more.

Known for its rich wildlife, Jharkhand is home to national parks, zoological gardens, and the Palamau Tiger Reserve.

Jharkhand also has plenty of mineral resources like copper ore, limestone, manganese, mica, bauxite, fire clay, and china clay. Its industries benefit from large reserves of iron ore and coal.

If you need extra funds in Jharkhand, you can check out a personal loan from Bajaj Finserv. Use it for anything—from a wedding or your child’s education to medical bills, travel, or home renovation. Check your eligibility for personal loan using just mobile number and OTP.

You can apply online or visit the nearest branch. No collateral is needed, and you can choose a flexible repayment period that suits your budget.

*Terms and conditions apply.

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Eligibility criteria and documents for personal loan in Jharkhand

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

  • 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.

  • 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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Fees and Charges

Type of fee

Applicable charges

Rate of interest per annum

16% to 31% p.a.

Processing fees

 Up to 3.93% (Inclusive of applicable taxes) of the loan amount.
Flexi Facility Charge

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 facility charges above are inclusive of applicable taxes

*Loan amount includes approved loan amount, insurance premium, and VAS charges.

Principal Holiday Facility Fees

 

  • Up to Rs.1999/- for loan amount less than Rs.2,00,000
  • Up to Rs.3999/- for loan amount from Rs. 200000 to Rs.399999
  • Up to Rs.5999/- for loan amount from Rs. 400000 to Rs.599999
  • Up to Rs.7,999/- for loan amount from Rs. 600000 to Rs.999999
  • Up to Rs.8,999/- for loan amount from Rs.10,00,000 to Rs. 1499999
  • Up to Rs. 9999/- for loan amount from Rs. 15,00,000 to Rs.19,99999
  • Up to Rs.10,999/- for loan amount from RS. 20,00,000 to RS.2499999
  • Up to Rs.11,999/- for loan amount from RS.25,00,000 to RS. 29,99999
  • Up to Rs. 12,999/- for loan amount of Rs.30,00,000 and above

 

Above charges are inclusive of applicable taxes & will be deducted upfront from loan amount

*(Loan amount includes approved loan amount, Insurance Premium & VAS Charges)

Bounce charges

Up 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.

Pre-payment charges

Full Pre-payment:

Foreclosure can be processed post clearance of first EMIs.

  • 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 Loan (Flexi Dropline): Up 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 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 Loan (Flexi Dropline) 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 Loan (Flexi Dropline): 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 0.295% (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


Note: Additional cess if any, will be applicable to all charges according to state law.

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.

Compare loan variants

What are the uses of Personal Loan
 

What are the uses of Personal Loan

  • Flexi Hybrid Loan
  • Flexi Term Loan
  • Term Loan

Instalment

Interest-only EMIs for the initial part of the loan tenure. EMI applicable only on the withdrawn amount

Tenure

Initial tenure: 24 months, Subsequent tenure: Up to 72 months

Annual maintenance charges

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

Part-prepayment facility

No part-prepayment charges

Flexi facility charges

Nominal Flexi facility charges applicable

Loan amount

Rs. 40,000 to Rs. 55 lakh

Disbursal

Withdraw and prepay conveniently from your sanctioned loan limit

Instalment

Fixed EMIs that cover both the principal and interest on the withdrawn amount

Tenure

12 months to 96 months

Annual maintenance charges

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

Part-prepayment facility

No part-prepayment charges

Flexi facility charges

Nominal Flexi facility charges applicable

Loan amount

Rs. 40,000 to Rs. 55 lakh

Disbursal

Withdraw and prepay conveniently from your sanctioned loan limit

Instalment

Fixed EMIs that cover both the principal and interest

Tenure

12 months to 96 months

Annual maintenance charges

Not applicable

Part-prepayment facility

Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment.

Flexi facility charges

No Flexi facility charges.

Loan amount

Rs. 40,000 to Rs. 55 lakh

Disbursal

Single disbursement of the loan amount
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Frequently asked questions

Overview

Application

Repayment

Eligibility

Fees and charges

What are the uses of personal loan in Jharkhand?

You can take a Bajaj Finserv Personal Loan for several uses, such as:

How long does it take to get a personal loan in Pune?

With a Bajaj Finserv Personal Loan, you can get the funds within 24 hours* of approval. Check your offer in just 2 steps and apply online to get our loan.

*Terms and conditions apply.

How long does it take to get approved for a personal loan?

With Bajaj Finance Limited, you can expect instant approval on your personal loan application.

How can you calculate your EMI?

You can use our personal loan EMI calculator to find out your monthly instalment amount. You only need to enter the loan amount, interest rate, and the tenure to get an estimate of the EMI.

How can I repay my personal loan?

You can repay your personal loan in the form of EMIs (equated monthly instalments). Here, a fixed amount is automatically deducted from your bank account every month. You can set up a NACH mandate with your bank to pay the EMIs.

What are the eligibility criteria for a personal loan?

Check your eligibility for our personal loan with just your mobile number and OTP. To get a quick personal loan, you only need to meet a few basic personal loan eligibility criteria:

  • You must be between 21 years and 80 years* of age
  • You must be a salaried individual employed with an MNC, public or private company
  • You must be a residing citizen of India
  • If you meet the salary requirement based on your city of residence, you can qualify for the loan.

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

*Terms and conditions apply

How is personal loan interest calculated?

Lenders provide an interest rate when you opt for a personal loan. The personal loan interest rate depends on several factors including CIBIL Score, income, debt-to-income ratio, employment stability etc. Once you know the interest rate, you can use the interest calculator to know your EMI outflow.

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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*.