Personal Loan in Sikar

Personal Loan in Sikar

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

Loan Types

FAQs

FAQs

₹40,000 - ₹50 Lakh

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

Check now

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

Bajaj Finserv in your city

  • Living in Sikar and need urgent funds for a wedding, higher education, travel, or a home upgrade? A Bajaj Finserv Personal Loan in Sikar gives you instant access to funds—without paperwork, collateral, or even a branch visit.

    You can borrow up to Rs. 55 lakh, enjoy 100% online approval, and receive funds within 24 hours* to take care of your goals without delays.

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

Located in Rajasthan’s Shekhawati region, Sikar is a fast-developing city known for its coaching centres, education hubs, and small businesses. From families preparing for weddings to students planning higher studies or professionals building their homes, Sikar’s financial needs are growing. A personal loan in Sikar ensures residents have quick, reliable, and digital access to funds.

*Terms and conditions apply

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Features and benefits of personal loans in Sikar

  • Easy documentation

    Provide only the minimum documents required to process a personal loan in Sikar.

  • Plan repayment easily

    Plan repayments easier with a personal loan EMI calculator. Tenure extends up to 108 months.

  • No hidden rates

    Bajaj Finance imposes no hidden charges on a personal loan. Our policy is 100% transparent.

  • Pre-approved offers

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

  • Loan amount up to Rs. 55 lakh

    Avail personal loan finance of up to Rs. 55 lakh. Meet your financial requirements effortlessly.

  • Online loan account

    Access your loan account online through our customer portal, My Account.

  • Loan credited within 24 hours*

    Get the money credited to your account within 24 hours*.

  • No collateral

    You need not keep any assets as collateral against a personal loan in Sikar.

  • Fast approval

    Once you fulfil the personal loan eligibility criteria accurately, be assured of receiving instant approval.

Sikar is famous for its grand havelis reflecting ancient architecture and intricate frescoes. The town has seven entry gates with massive walls. Economy-wise, Sikar gets most of its revenue from the agricultural sector. Few of the crops grown in this region are barley, wheat, cowpea, mustard, bajra, etc.

Whether you need funds for personal or professional purposes, a personal loan from Bajaj Finance can fulfil all your necessities adequately. Enjoy the most affordable interest rates in the market only with lenders like us. Check your eligibility for personal loan using just mobile number and OTP – 100% online process. Our terms and conditions are flexible and transparent with no surprise charges. Apply via an online application form easily.

*Conditions apply

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Eligibility criteria for personal loan in Sikar

You can easily get the funds you need in Sikar 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
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How to apply for personal loan in Sikar

  • 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.

Check out the personal loan interest rate and other charges before applying.

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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