Personal Loan in Pollachi

Personal Loan in Pollachi

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

FAQs

Rs. 40,000 - Rs. 55 lakh

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

Check now

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

Bajaj Finserv in your city

  • Whether you are a farmer, small business owner, or salaried professional in Pollachi, a Bajaj Finserv Personal Loan in Pollachi can support your goals with instant financing, flexible repayment, and no need for collateral. With high loan limits, transparent terms, and a fully online journey, Bajaj Finserv makes borrowing in Pollachi fast, safe, and convenient.

    ✅ Check your offer with phone number and OTP – Get funds in 24 hours* without any branch visit.
     

Located in Tamil Nadu’s Coimbatore district, Pollachi is known for its agricultural exports, peaceful environment, and growing infrastructure. With increasing financial needs—whether it is for expanding a business, covering medical bills, or supporting a child’s education—a personal loan in Pollachi offers a smart, reliable way to access funds without disrupting your savings.

*Terms and conditions apply

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Features and benefits of a personal loan in Pollachi

  • Pre-approved offers

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

  • No hidden charges

    No more surprises with hidden charges. Pay only the rates and charges you see as per our terms and conditions.

  • Minimum documentation

    Submit the basic documents to speed up your loan application process.

  • Repay easily

    A tenure of up to 108 months eases the hassle of loan repayment. Choose wisely using a personal loan EMI calculator.

  • Loan amount credited within 24 hours*

    Bajaj Finance transfers the approved loan amount within 24 hours*. Receive the funds directly in your account.

  • Quick approval

    Apply online to get your loan approval immediately post submission.

  • Unsecured loans

    Avoid any risk on assets with unsecured personal loans in Pollachi. No collateral is needed.

  • Higher loan amount

    Borrowers can avail of personal loans of up to Rs. 55 lakh in Pollachi. Fulfil necessary expenses without hassle.

  • Online account management

    Access the loan account online and track all information through our customer portal, My Account.

Geographically, Pollachi is situated close to the Western Ghats, which is a UNESCO World Heritage Site. There are a host of tourist attractions, including the Subramanyar temple that sees hundreds of devotees every month. Apart from jaggery, tourists here shop for coconut and vegetables too. The city also has a flourishing south Indian film industry.

Baja Finance addresses the diverse needs of people with flexible personal loans in Pollachi. Borrowers can use the money for multiple purposes. Consider your financial plans and choose a suitable repayment tenure of up to 108 months. The best way is to use the Personal Loan EMI Calculator. This online tool shows you monthly EMIs, total interest payable and the total cost of the loan.

*Conditions apply

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Eligibility criteria and documents for personal loan in Pollachi

You can easily get the funds you need in Pollachi 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
    • 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 Pollachi

  • 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.

Our representative will contact you for further steps.

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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