Personal loan in Sinnar

Personal loan in Sinnar

Check your eligibility for personal loan in Sinnar with your phone and OTP - no branch visit needed.
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Rs. 40000 - Rs. 55 lakh

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Personal loans have become an essential financial tool for individuals seeking quick funds to meet various needs, such as medical emergencies, wedding expenses, home renovations, or even travel plans. If you reside in Sinnar and are looking for a reliable financial solution, Bajaj Finserv Personal Loan provides an excellent option with competitive interest rates starting at 10% p.a.* and flexible repayment terms of up to 96 months.


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


With Bajaj Finserv, you can enjoy instant approval, minimal documentation, and funds disbursed within 24 hours*. Let us explore the features, benefits, eligibility criteria, and steps to apply for a personal loan in Sinnar.

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Features and benefits of personal loan in Sinnar

A personal loan in Sinnar is a smart way to manage expenses with ease and confidence. Here’s what makes it so useful for local families:
 

  • No collateral needed – You get the money you need without putting valuable items at risk. This is especially useful for people who don’t own property or prefer not to mortgage their assets.
  • Instant approval – Once you apply online, your loan can be approved in as little as 5 minutes. If you meet conditions, money gets credited fast so you can solve urgent problems without delay.
  • Flexible repayment tenure – Pick a loan term up to 96 months so your monthly payments fit your budget. Whether you want to repay quickly or take more time, the choice is yours.
  • Competitive interest rates – Interest rates are tailored to your credit profile, so making repayments is more comfortable and affordable. The better your score, the lower your rate.
  • Multi-purpose usage – Whether you need to travel, pay for studies, fund your wedding, make repairs, or any other personal reason, this loan covers it all. You get flexibility for life’s changing needs.
  • Pre-approved offers: You can check if you have a pre-approved offer for a personal loan in Sinnar with just your phone number and OTP – no need to visit the branch.
  • Minimal documentation – You only need basic documents like ID, proof of income, and more. No piles of forms or chasing paperwork.

Pro tip: Using a personal loan for travel lets you book tickets and stays at current prices—no more waiting for months just saving up. Flexible EMIs help you pay back slowly and keep your monthly budget happy.

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Eligibility criteria and documents for personal loan in Sinnar

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

  • Eligibility criteria

    • Nationality: Indian
    • Age: 21 years to 80 years.
    • Employed with: Public, private, or MNC.
    • CIBIL Score: 685 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 Sinnar

    Applying for a personal loan in Sinnar is quick and straightforward, especially with minimal documentation. You just need to have a few required documents on hand, which are generally required during the personal loan application process
     

    • 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 Sinnar

Interest rates for a personal loan in Sinnar depend on various factors such as income, credit score, and loan amount. Learn more about the personal loan interest rate.

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How to apply for personal loan in Sinnar

Step-by-step guide to apply for a personal loan

Uses of personal loan in Sinnar

A personal loan in Sinnar is more than just emergency cash—it’s a tool for improving your life and chasing your dreams. Use it for:
 

  • Travel – Book tickets, hotels and tours in advance and enjoy your dream vacation without waiting to save up for years.
  • Weddings – Cover costs for venues, gold, clothes, photographers or caterers for a smooth, memorable celebration.
  • Education – Pay college fees, course costs, books or hostel charges to further your or your child’s career.
  • Medical emergencies – Afford timely treatments and medicines for illness or accidents when health comes first.
  • Home improvements – Buy furniture, fix things up, or renovate for a more comfortable living space without dipping into savings.
     

Whatever your need, quick money from a personal loan keeps your plans on track.


Additional read: Flexi Hybrid Term Loan

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Key offerings: 3 loan types

  • Flexi Hybrid Term Loan
  • Flexi Term 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 24 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 variant - A fee will be deducted upfront from the loan amount (as applicable below)

  • Up to Rs. 1,999/- for loan amount less than Rs. 2,00,000
  • Up to Rs. 3,999/- for loan amount from Rs. 2,00,000 to Rs. 3,99,999
  • Up to Rs. 5,999/- for loan amount from Rs. 4,00,000 to Rs. 5,99,999
  • Up to Rs. 7,999/- for loan amount from Rs. 6,00,000 to Rs. 9,99,999
  • Up to Rs. 8,999/- for loan amount from Rs. 10,00,000 to Rs. 14,99,999
  • Up to Rs. 9,999/- for loan amount from Rs. 15,00,000 to Rs. 19,99,999
  • Up to Rs. 10,999/- for loan amount from Rs. 20,00,000 to Rs. 24,99,999
  • Up to Rs. 11,999/- for loan amount from Rs. 25,00,000 to Rs. 29,99,999
  • Up to Rs. 12,999/- for loan amount of Rs. 30,00,000 and above

*All the Flexi facility charges above are inclusive of applicable taxes

*Loan amount includes approved loan amount, insurance premium, and VAS charges.
Principal Holiday Facility Fees
  • Up to Rs.1999/- for loan amount less than Rs.2,00,000
  • Up to Rs.3999/- for loan amount from Rs. 200000 to Rs.399999
  • Up to Rs.5999/- for loan amount from Rs. 400000 to Rs.599999
  • Up to Rs.7,999/- for loan amount from Rs. 600000 to Rs.999999
  • Up to Rs.8,999/- for loan amount from Rs.10,00,000 to Rs. 1499999
  • Up to Rs. 9999/- for loan amount from Rs. 15,00,000 to Rs.19,99999
  • Up to Rs.10,999/- for loan amount from RS. 20,00,000 to RS.2499999
  • Up to Rs.11,999/- for loan amount from RS.25,00,000 to RS. 29,99999
  • Up to Rs. 12,999/- for loan amount of Rs.30,00,000 and above

Above charges are inclusive of applicable taxes & will be deducted upfront from loan amount

*(Loan amount includes approved loan amount, Insurance Premium & VAS Charges)

Bounce charges

Up to Rs. 1,200 per bounce.
“Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason

Part-prepayment charges

Full Pre-payment:
Foreclosure can be processed post clearance of first EMIs.

  • 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 Loan (Flexi Dropline): 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-Payment.

  • Not Applicable for Flexi Term Loan (Flexi Dropline) 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 Loan (Flexi Dropline):

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 0.295% (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

Note: Additional cess if any, will be applicable to all charges according to state law.

*Terms and conditions apply.

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Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.