Personal Loan in Osmanabad

Personal Loan in Osmanabad

Check your eligibility for personal loan in Osmanabad 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

Osmanabad’s growing economy and rich history mean diverse financial needs—from upgrading homes to funding education. With Bajaj Finserv, check your pre-approved offer in 2 clicks and get up to Rs. 55 lakh within 24 hours*. No collateral, no branch visits—just a fast digital experience.


Why this matters: Quick access to funds helps you seize opportunities and manage emergencies without draining savings or risking assets.

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Features and benefits of personal loan in Osmanabad

  • No collateral required—Borrow securely without pledging property or valuables.
    Pro tip: Keep major assets safe; use this loan for urgent needs.
  • Quick approval and disbursal—Get approved in minutes and funds in 24 hours*.
    Why it matters: Ideal for medical emergencies or time-sensitive business investments.
  • Flexible repayment tenure—Choose 12 months–96 months for manageable EMIs.
    Pro tip: Match tenure to your cash flow—longer for lower EMIs, shorter to save interest.
  • Attractive interest rates—Competitive rates based on your CIBIL score.
    Why this matters: Lower rates reduce your total repayment cost significantly.
  • Multi-purpose usage—Use funds for weddings, travel, education, home renovation, and more.
    Pro tip: Plan expenses in advance using an EMI calculator.
  • Minimal paperwork—Submit basic KYC and income documents online for hassle-free processing.
    Why it matters: Saves time and reduces visits to the branch.


 

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Eligibility criteria and documents for personal loan in Osmanabad

You can easily get the funds you need with the below criteria:

  • Eligibility criteria

    Check your eligibility for personal loan in Osmanabad and apply from the comfort of your home.


    • 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

    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


     

    Check your eligibility for personal loan using just mobile number and OTP – 100% online process. 

Interest rate on personal loan in Osmanabad

Get a personal loan online with competitive interest rates and flexible repayment options. Enjoy quick approval and minimal paperwork. Learn more about the interest rates and associate charges.

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How to apply for personal loan in Osmanabad

  • 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.

Uses of personal loan in Osmanabad

A personal loan can be used for multiple financial needs, such as:
 

  • Travel expenses – A personal loan covers expenses such as airfare, accommodation, local transportation, and sightseeing, ensuring a hassle-free trip without financial concerns.
  • Medical emergencies – Unexpected medical expenses can arise at any time. A personal loan provides quick access to funds for hospital bills, treatments, or urgent surgeries.
  • Home renovation – Whether it's repairing damages, upgrading interiors, or expanding your home, a personal loan allows you to finance home improvements effortlessly.
  • Education expenses – Cover tuition fees, accommodation costs, and study materials, ensuring uninterrupted education for yourself or your family members.
  • Wedding expenses – Plan your wedding stress-free by financing venue bookings, catering, decorations, and other related costs with ease.
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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 31% 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 0.30% (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 0.30% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.30% (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