Personal Loan in Junagadh

Personal Loan in Junagadh

Check your eligibility for personal loan in Junagadh with your phone and OTP - no branch visit needed.
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Rs. 40,000 - Rs. 55 lakh

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

Check now

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

Bajaj Finserv in your city

  • Need urgent funds in Junagadh for personal needs like a wedding, travel, home renovation, medical emergency, or education? A Bajaj Finserv Personal Loan in Junagadh offers up to Rs. 55 lakh with no collateral, minimal paperwork, and a 100% online process.


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

Junagadh, located at the foothills of the Girnar Hills in Gujarat, is known for its historical architecture, temples, and growing trade and tourism sector. As the city continues to grow, so do the financial needs of its residents. Whether you're planning a major life event or facing an emergency, a personal loan in Junagadh can offer the financial flexibility you need—without affecting your savings.


*Terms and conditions apply

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Features and benefits of personal loans in Junagadh

  • Online account management

    Know your associated fees, interest payable, EMIs, principal outstanding, etc., through the customer portal - My Account.

  • Higher loan amount

    Bajaj Finance offers an online personal loan ranging from Rs. 40,000 to Rs. 55 lakh

  • Long tenure options

    Check the EMIs using our personal loan EMI calculator and pick a tenure ranging from 12 months to 96 months.

  • Pre-approved offers

    You can check if you have a pre-approved offer for a personal loan in Junagadh with just your phone number and OTP – no need to visit the branch.

  • Credit within 24 hours*

    Receive the entire personal loan amount within 24 hours*.

  • Quick approval

    Avail of instant approval on online applications submitted with accurate details.

  • No surprise charges

    Bajaj Finance maintains 100% transparency in loan policy. Be assured of no hidden charges on the loan.

  • Minimum documents

    Forget complex paperwork. Submit only the minimum personal loan documents required for a personal loan. 

Junagadh is a city situated in Gujarat. It is known for forest reserves, flourishing cement industry and agriculture sector that contribute to the economy.


Bajaj Finance brings feature-rich personal loans which cover the unique monetary needs of residents in Junagadh. Our terms and conditions ensure zero hidden charges. Being your trusted lenders, we promise to maintain transparency and offer nominal rates and fees.


*Conditions apply

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Eligibility criteria and documents for personal loan in Junagadh

You can easily get the funds you need in Junagadh 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.

  • 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. 

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How to apply for personal loan in Junagadh

  • 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 personal loan variants.
    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.


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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% 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 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

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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