Personal Loan in Sirhind Fatehgarh

Personal Loan in Sirhind Fatehgarh

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

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₹40,000 -₹Rs. 55 lakh

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You may be eligible for a pre-approved offer in Sirhind Fatehgarh

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Enter mobile and OTP | Quick online approval | Get money in a day*

Bajaj Finserv in your city

  • Need instant funds to renovate your home in Bassi Pathana, manage wedding expenses, or handle a medical emergency in Sirhind Fatehgarh Sahib? A Bajaj Finserv Personal Loan gives you access to up to Rs. 55 lakh— without collateral and with a fully digital process.

    You can also check if you already have a pre-approved offer in Sirhind-Fatehgarh Sahib. The entire process is online, no branch visit required:
    Check your personal loan offer in Sirhind-Fatehgarh Sahib with phone number and OTP → Apply online in 5 minutes → Receive funds within a day*

    Whether it's a family occasion or an unexpected expense, you can count on fast, secure, and flexible financing tailored to your needs.

Sirhind Fatehgarh Sahib, steeped in historical significance, is one of Punjab’s important cultural and religious destinations. With educational institutes, small businesses, and a growing population, this city combines heritage with development.

As residents embrace modern lifestyles and financial responsibilities, a Bajaj Finserv Personal Loan offers a convenient solution to meet diverse needs — from daily essentials to life’s biggest milestones.

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Features of personal in Sirhind-Fatehgarh

  • Quick approval

    The simple online application form gives you quick approval within minutes.

  • Get a loan without collateral

    Bajaj Finance offers unsecured loans where you need not pledge any collateral.

  • Manage account online

    Track your loan account online through the customer portal . Know your loan information 24x7.

  • Pre-approved offers

    You can check if you have a pre-approved offer for a personal loan in Pune with just your phone number and OTP.

  • Easy repayment

    Evaluate your financial ability and choose a convenient tenor of up to 108 months accordingly.

  • Loan amount up to Rs. 55 lakh

    Apply for a personal loan in Sirhind for up to Rs. 55 lakh.

  • Money within 24 hours*

    Get the personal loan credited to your bank account within 24 hours* of approval.

  • Few documents

    Provide a few essential documents to complete your loan application without much hassle.

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Eligibility criteria and documents for personal loan in Sirhind Fatehgarh

You can easily get the funds you need in Sirhind Fatehgarh 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 Sirhind-Fatehgarh

  • 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