Personal Loan in Ludhiana

Ludhiana, Punjab’s industrial capital, is a city of ambition—whether you're growing a business, planning a wedding, or managing household upgrades. For big or unexpected expenses, a Bajaj Finserv Personal Loan in Ludhiana offers a fast, flexible, and fully digital way to access funds.

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

Borrow up to Rs. 55 lakh, get 100% online approval, and receive money in 24 hours*—no collateral or branch visit required.

Instant approval

Apply online to get your personal loan application approved instantly.

High-value loan

Be it for weddings, higher education or debt consolidation, avail up to Rs. 55 lakh for all purposes.

Pre-approved offers

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

Flexibility

Opt for the Flexi loan facility and get a pre-assigned limit from which you can withdraw as you wish.

Easy repayment

Repay over a flexible tenure of up to 96 months.

No surprise rates

There are zero hidden charges imposed on a loan. Read our transparent terms and conditions here.

Minimal documents

No more lengthy paperwork. Finish the application process with minimal documents.

Loan within 24 hours*

Avail of one of the fastest personal loans in India from Bajaj Finance with money in bank within 24 hours*.

Online account facility

Make EMI payments and monitor your loan account easily via My Account, our customer portal.

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 three personal loan variants –Term, Flexi Term, and Flexi Hybrid Term.
6. Choose the repayment tenure and click on ‘PROCEED’.
7. Complete your KYC and submit your application.

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