Personal Loan in Tindivanam

Personal Loan in Tindivanam

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

Rs. 40000 - Rs. 55 lakh

You may be eligible for a pre-approved offer

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

Need extra cash in Tindivanam? Whether it’s for a sudden expense, a wedding, or a home renovation, a personal loan could be the easiest solution. With Bajaj Finance, you can apply online and check your eligibility in just a few simple steps. No paperwork, no bank visits — just quick approval and fast disbursal. It’s that easy. You can also check if you already have a pre-approved offer in Tindivanam. The process is 100% digital, with no need to visit a branch.


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


Know more about our personal loan and its features.

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Features and benefits of personal loan in Tindivanam

Here’s why a personal loan in Tindivanam is a smart choice:

  • No collateral required – No need to risk your gold or home.
  • Instant approval – Apply online and get approved in minutes — it's quick and easy.
  • Flexible repayment tenure – Choose a repayment plan that fits your budget, with terms up to 96 months.
  • Competitive interest rates – With competitive interest rates, your monthly payments stay manageable.
  • Pre-approved offers - You can check if you have a pre-approved offer for a personal loan in Tindivanam. 
  • Multi-purpose usage – Whether it’s a wedding, medical bills, travel, or home repairs, you decide how to use the funds.
  • Minimal documentation – Only basic documents are needed, making the process smooth and quick.

Uses of personal loan in Tindivanam

Have a major expense coming up? A personal loan can help you manage it without dipping into your savings. Here’s how people in Tindivanam are using their loans smartly:
 

  • Travel – Dreaming of a getaway? A personal loan for travel can cover everything from flights and stays to sightseeing and fun activities.
  • Weddings – Whether it’s your big day or a loved one’s, a personal loan for wedding expenses can take care of venues, jewellery, outfits, and more.
  • Education – Starting a new course or pursuing higher studies? A personal loan for education can help with tuition, books, and even living expenses.
  • Medical emergencies – Health issues can’t wait. A personal loan for medical emergency ensures you get funds quickly, when you need them most.
  • Home improvements – Giving your home a makeover? A personal loan for home expenses can help you fund new furniture, appliances, or renovations easily.


 

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Eligibility criteria and documents for personal loan in Tindivanam

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 personal loan in Tindivanam

    Here is a list of documents required for a personal loan that you can keep handy when applying:
     

    • 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 Tindivanam

Your personal loan interest rate in Tindivanam can vary based on factors like your income, credit score, and the loan amount. A strong repayment history usually helps you secure a better rate. Curious about what rate you might get? Find out more about how personal loan interest rates work and what you could qualify for.

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How to apply for personal loan in Tindivanam

  • 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 personal loan variants.
    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

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.

Disclaimer

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