Personal Loan in Vaduj

Personal Loan in Vaduj

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

Loan Types

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FAQs

FAQs

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Rs. 40000 - Rs. 55 lakh

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Looking for a quick and easy solution to meet your financial needs in Vaduj? A Bajaj Finserv Personal Loan offers a fast, hassle-free way to get the funds you need, whether for a wedding, medical emergency, or a home renovation. With simple eligibility criteria and minimal documentation, you can apply online and get the funds directly in your account. 


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


This loan can be used for various purposes with flexible repayment options and competitive interest rates. Apply today for an instant, personalised loan offer and enjoy the convenience of managing your finances easily. Know more about our personal loan and its features.

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Features and benefits of personal loan in Vaduj

Bajaj Finserv Personal Loan is designed to make borrowing easy and stress-free for Vaduj residents. Here’s what makes it a smart choice:

  • No collateral required – Enjoy an unsecured loan with no need for asset pledging.
  • Instant disbursal – Get the loan amount in your account within hours* of approval.
  • Flexible repayment tenure – Choose a repayment tenure that suits your budget.
  • Pre-approved offers - You can check if you have a pre-approved offer for a personal loan in Vaduj.
  • Competitive interest rates – Low rates ensure manageable monthly repayments.
  • Multi-purpose usage – Travel, education, home upgrades, or medical bills—it’s all covered.
  • Minimal documentation – Apply online with minimal documentation for faster processing.

Uses of personal loan in Vaduj

A personal loan is a flexible financial tool that people in Vaduj are increasingly relying on for both planned and unexpected expenses. Here’s how:
 

  • Travel – Plan a vacation or holiday without touching your savings. Learn more about personal loans for travel.
  • Weddings – Manage wedding expenses like venue, catering, and décor. Explore personal loans for weddings.
  • Education – Fund your education or professional courses with ease. Discover more about personal loans for education.
  • Medical emergencies – Get immediate financial support during medical emergencies. Check out personal loans for medical expenses.
  • Home improvements – Renovate, repair, or redecorate your home. Find out more about personal loans for home expenses.
     
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Eligibility criteria and documents for personal loan in Vaduj

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 Vaduj

    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 Vaduj

Interest rates for personal loans in Vaduj vary based on income, employment, credit profile, and loan amount. The better your credit health, the better your rate. Learn more about personal loan interest rates before applying.

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How to apply for personal loan in Vaduj

  • 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.

Conclusion

A Bajaj Finserv Personal Loan in Vaduj offers a quick, hassle-free way to access funds for a variety of needs, from medical emergencies to home renovations. With no collateral required, competitive interest rates, and flexible repayment options, it’s the ideal solution for managing both planned and unexpected expenses. The simple eligibility criteria and minimal documentation make the application process fast and convenient. So, why wait? Check your personalised loan offer today and get the financial support you need, when you need it most.

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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*.