Personal loan in Raipur

Personal loan in Raipur

Check your eligibility for personal loan in Raipur with your phone and OTP - no branch visit needed.
Loan Types

Loan Types

Calculator

Calculator

FAQs

FAQs

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Video

Rs. 40,000 - Rs. 55 lakh

Calculate your EMIs

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

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

Instant personal loan in Raipur

  • Raipur, the capital of Chhattisgarh, is growing rapidly as a commercial, medical, and educational centre. From upgrading your home to managing a medical emergency, or financing a dream wedding, a Bajaj Finserv Personal Loan in Raipur offers a quick and convenient way to access funds—without any collateral or branch visit.


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


    You can get a personal loan from Rs. 40,000 to Rs. 55 lakh, enjoy 100% online approval, and receive funds in just 24 hours*. The entire process is digital, simple, and hassle-free.

Raipur is one of the fastest-developing tier-2 cities in India. With SEZs, industrial growth, top hospitals, and universities, the city is expanding in every direction—from Telibandha to Shankar Nagar to VIP Road. With this growth comes the need for easy financing options. A personal loan in Raipur can help residents meet personal and professional expenses with ease, speed, and flexibility.

*Terms and conditions apply

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Features of personal loan in Raipur

  • Receive funds within 24 hours*

    The loan amount is sent to your bank account within 24 hours* of approval.

  • Instant approval

    Apply online for your personal loan in Raipur with the right eligibility to receive instant approval.

  • Basic documents required

    Submit only essential documents required for a personal loan to receive hassle-free approval.

  • Long tenure

    Repay your personal loan in Raipur at affordable EMIs with tenors going up to 108 months.

  • Pre-approved offers

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

  • 100% transparency

    With completely transparent terms and conditions, be assured of no hidden charges levied on your personal loan.

  • Funds up to Rs. 55 lakh

    Get up to Rs. 55 lakh to fulfil your diverse financing needs with ease.

  • Online loan account management

    Log in to the customer portal - My Account, to access your loan account for easy online tracking.

Wide range of personal loans offered by Bajaj Finance

Bajaj Finance provides an instant personal loan in Raipur to cater to diverse financial needs. These loans come with competitive interest rates, flexible repayment options, and minimal documentation, ensuring quick access to funds. Whether for planned expenses or emergencies, borrowers can choose from different types of personal loans, including:

  • Travel loan – Enjoy stress-free holidays with a travel loan covering airfare, accommodation, and other travel expenses.
  • Marriage loan – Manage wedding expenses effortlessly with a marriage loan for venue booking, jewellery, and more.
  • Personal loan for higher education – Secure quality education with a personal loan for higher education covering tuition fees and other costs.
  • Medical loan – Handle unexpected medical emergencies with a medical loan for hospital bills, treatments, and surgeries.
  • Personal loan for home expenses – Renovate or furnish your home with a personal loan for home expenses tailored for home improvement needs.

*Terms and conditions apply

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Eligibility criteria and documents for personal loan in Raipur

You can easily get the funds you need in Raipur 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 Raipur

  • 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

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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