Personal Loan in Kumbakonam

Personal Loan in Kumbakonam

Check your eligibility for personal loan in Kumbakonam with your phone and OTP - no branch visit needed.
FAQs

FAQs

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Rs. 40,000 - Rs. 55 lakh

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

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

Bajaj Finserv in your city

  • In today’s fast-paced world, financial emergencies can arise unexpectedly. Whether it is funding a wedding, covering medical expenses, or consolidating debt, a personal loan can be a reliable solution. For residents of Kumbakonam, Bajaj Finance offers a seamless and efficient way to secure funds with quick approvals, competitive interest rates, and flexible repayment options.


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

Know more about our personal loan and its features.


*Terms and conditions apply.

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Features of personal loan in Kumbakonam

  • Loan up to Rs. 55 lakh

    Apply for a loan up to Rs. 55 lakh and use the funds without any restrictions.

  • Collateral-free funds

    Get the loan amount without pledging any collateral. Only check the eligibility and documentation.

  • Quick approval

    With proper eligibility, the loan gets approved almost immediately. Address any monetary emergency with ease.

  • No hidden costs

    Avail of a personal loan with complete transparency. Read the terms and conditions to know more.

  • Pre-approved offers

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

  • Flexi loan

    Make multiple withdrawals from a dropline limit and pay interest only on the withdrawn funds, with our Flexi facility.

  • Simple paperwork

    Arrange the documents required for a personal loan and get the assured funds without any hassle.

  • Flexible tenure

    Use a personal loan EMI calculator and choose a suitable tenure ranging from 12 months to 108 months. 

  • Money in 24 hours*

    The amount gets credited to the account within 24 hours* of approval. Apply online to avail of this facility.

  • Online account management

    Log in to our dedicated Customer Portal - My Account and manage the loan online. Check the repayment details 24/7.

Kumbakonam is an important economic and commercial centre of Tamil Nadu. This city is a major producer of betel nuts and leaves. Besides, it is also a leading rice producer. The silk-weaving is another source of revenue of this city.


Bajaj Finance offers a personal loan for the residents of Kumbakonam to help manage the shortage of funds. Since this loan does not have a specific end-use compulsion, you can use the money for any legal purpose such as wedding, education, home renovation and more. Use a personal loan eligibility calculator and improve them to qualify for a higher sum from us.


Our Personal Loan branches in Kumbakonam

Personal Loan In Thiruvalluvar Nagar

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Eligibility criteria and documents for personal loan in Kumbakonam

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.

  • 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
    • Phone 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 Kumbakonam

  • 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.

Get attractive personal loan interest rates from Bajaj Finance and repay your loan conveniently in affordable EMIs.

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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

Credit guarantee scheme feeUp to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount
Credit guarantee scheme renewal feeUp to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year.
*Renewal Fee to be collected only for 3 subsequent financial years.
 
**If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated.

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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