Personal Loan in Narasaraopet

Personal Loan in Narasaraopet

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Rs. 40000 - Rs. 55 lakh

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

If you are looking for quick and hassle-free financial assistance in Narasaraopet, a Bajaj Finserv Personal Loan could be the perfect solution for your needs. Whether you want to fund a wedding, plan a vacation, manage medical emergencies, or consolidate debt, Bajaj Finance offers flexible loan options tailored to meet diverse financial requirements. With instant approval, minimal documentation, and disbursal within 24 hours*, applying for a personal loan has never been easier.


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

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Features and benefits of personal loan in Narasaraopet

A personal loan delivers compelling benefits, making it a smart financial choice:

  • Quick approval and disbursal – Get approved in minutes and receive funds in your bank account within 24 hours*.
  • Wide range of usage – Use the loan for travel, education, medical expenses, or emergencies.
  • Flexible repayment options – Choose a repayment period that suits you, from 12 months to 96 months.
  • Minimal paperwork – Enjoy a seamless process with minimal documentation required.
  • Loans up to Rs. 55 lakh: Avail personal loan of up to Rs. 55 lakh against no collateral or security.
  • Pre-approved offers: You can check if you have a pre-approved offer for a personal loan in Narasaraopet with just your phone number and OTP – no need to visit the branch.

Know more about our personal loan and its features.


*Terms and conditions apply.


Uses of personal loan in Narasaraopet

You can use a personal loan to:
 

  • Stress-free vacations: Fund your dream getaway with a travel loan and enjoy peace of mind.
  • Manage wedding expenses: Simplify your big day with a dedicated marriage loan tailored for your needs.
  • Finance your education: Cover tuition and other costs seamlessly with a higher education loan.
  • Home upgrades made easy: Enhance or furnish your home effortlessly using a personal loan for home improvement.
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Eligibility criteria for personal loan in Narasaraopet

To qualify for a high-value personal loan in Narasaraopet, you must meet specific eligibility 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 for a personal loan in Narasaraopet

    To ensure a hassle-free application process, applicants must submit the necessary documents for verification. Check the complete list of documents required for a personal loan below:
     

    • 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

Interest rate on personal loan in Narasaraopet

Avail of an online personal loan at attractive interest rates and flexible repayment tenure. Know more about the interest rates and associate charges.

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How to apply for a personal loan in Narasaraopet

  • To apply for a personal loan in Narasaraopet, follow these simple steps for a hassle-free process:

    • Click on ‘APPLY’ at the top of this page to open our online personal loan application form.
    • Enter your 10-digit mobile number and the OTP sent to your phone.
    • Fill in the application form with your basic loan details, such as your full name, PAN, date of birth, and PIN code.
    • Now, click on ‘PROCEED’ to visit the loan selection page.
    • Enter the loan amount that you need. Choose from our three personal loan variants –Term, Flexi Term, and Flexi Hybrid.
    • Choose the repayment tenure – you can select a suitable tenure and click on ‘PROCEED’.
    • Complete your KYC and submit your application.

Our representative will guide you on the next steps. The loan amount will be transferred to your bank account on the successful verification of your documents


Conclusion


A personal loan in Narasaraopet offers a hassle-free way to meet financial needs. With easy eligibility, minimal paperwork, and quick approval, it is an ideal funding solution. Compare interest rates and repayment terms before applying.

*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