Personal Loan in Khagaria

Personal Loan in Khagaria

Check your eligibility for personal loan in Khagaria 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

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

Planning a big life event, facing an unexpected expense, or simply looking for extra funds in Khagaria? Getting a loan when you need it immediately should not be stressful. With a Bajaj Finserv Personal Loan in Khagaria, you can manage your needs easily through a completely online process, quick approval, and fast disbursal. You can also check if you already have a pre-approved offer in Khagaria. The process is 100% digital, with no need to visit a branch.
 

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


Know more about our personal loan and its features.

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Features and benefits of personal loan in Khagaria

Features and benefits of personal loan in Khagaria

  • Loan amount up to Rs. 55 lakh: Suitable for both large and small financial needs.
  • Funds disbursed within 24 hours*: Quick money for urgent situations.
  • Instant approval: No long waiting or uncertainty—get approval in minutes.
  • Fully digital process: Apply from the comfort of your home—no branch visits.
  • Collateral-free loan: No need to pledge any assets.
  • Flexible tenure: Choose from 12 months to 96 months for manageable EMIs.
  • Pre-approved offers: You can check if you have a pre-approved offer for a personal loan in Khagaria with just your phone number and OTP.
  • Flexi loan variants:
    • Flexi Term Loan: Withdraw from a sanctioned limit as needed.
    • Flexi Hybrid Term Loan: Interest-only EMIs for up to 24 months.
       

Pro-tip: Opt for a Flexi Term Loan to manage irregular expenses without repeated paperwork.


Uses of personal loan in Khagaria

Use a personal loan for various needs:
 

  • Travel: Book a holiday without savings strain.
  • Weddings: Cover venue, décor, and catering costs.
  • Education: Fund tuition and living expenses.
  • Medical emergencies: Get funds for urgent treatments.
  • Home improvements: Renovate or upgrade your home.
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Eligibility criteria and documents for personal loan in Khagaria

You can easily get the funds you need 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.


    Use our personal loan eligibility calculator to quickly check the loan amount you can get.

  • Documents required for personal loan in Khagaria

    Here is a list of documents required for a personal loan that you can keep handy when applying:
     

    • 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 Khagaria

The interest rate on your personal loan in Khagaria depends on your credit score, income, the loan amount, etc. You can learn more about the personal loan interest rate and other charges.

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How to apply for personal loan in Khagaria

  • 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.

Conclusion

For residents of Khagaria, a Bajaj Finserv Personal Loan offers fast, flexible, and hassle-free financing. With high loan amounts, easy online application, and choice of Flexi variants, you can plan life's important moments with confidence.


*Terms and conditions apply.

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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 levied on each instance in the event of: (i) dishonour of any payment instrument irrespective of whether the customer subsequently makes the payment through an alternate mode or channel on the same day; and/or (ii) non-payment of instalment(s) on their respective due dates where any payment instrument is not registered/furnished; and/or (iii) rejection or failure of mandate registration by the customer’s bank.

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-
• 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 0.472% (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