Personal Loan in Vasai

Personal Loan in Vasai

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

Loan Types

FAQs

₹40,000 - ₹50 Lakh

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

Check now

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

Instant personal loan in Vasai

  • Need funds for a wedding celebration, higher education, or an urgent medical situation in Vasai? Whether you are in Vasai East, West, or Naigaon, a Bajaj Finserv Personal Loan offers you fast, collateral-free financial support — entirely online.

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

    With up to Rs. 55 lakh in funding, flexible repayment tenure, and a 100% digital application, you can handle your financial needs confidently and conveniently.

Vasai, a suburban town in the Palghar district of Maharashtra, has emerged as a growing residential and commercial hub. Thanks to better road and rail connectivity with Mumbai, more families and professionals are settling in Vasai for a balanced lifestyle at affordable living costs.

Whether you are planning your future or facing a sudden expense, a Bajaj Finserv Personal Loan in Vasai helps you manage your finances smoothly — without branch visits or complicated paperwork.

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Features and benefits of personal loan in Vasai-Virar

  • Pre-approved offers

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

  • Disbursal in 24 hours*

    Get the loan amount in your bank account within 24 hours* of approval. It’s a quick solution to manage urgent financial needs in Vasai.

  • Minimal documents needed

    Get a personal loan in Vasai with just a few basic documents. No heavy paperwork – enjoy a fast and simple application process.

  • Flexible repayment tenure

    You can spread your repayment from 12 months to 96 months, which means manageable EMIs right from the start.

  • Quick online approval

    Apply online for a personal loan in Vasai and get quick approval in 5 minutes*. Benefit from a smooth, end-to-end online application process.

  • No collateral required

    Apply for a personal loan in Vasai without any collateral or guarantor. Use the personal loan EMI calculator for to estimate your EMI.

  • Online loan management

    Manage your personal loan in Vasai anytime through our customer portal, My Account, and manage your loan account online.

*Terms and conditions apply

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Eligibility criteria for instant personal loan in Vasai

You can easily get the funds you need in Vasai 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.


Uses of personal loans in Vasai-Virar

Personal loans in Vasai-Virar can be used for a variety of purposes, offering flexibility and quick access to funds. Common uses include:


  1. Personal loan for travel: You can apply for a personal loan for travel to cover travel costs and enjoy your trip without financial stress.
  2. Personal loan for marriage: A personal loan for wedding can ease the burden of wedding expenses, allowing you to celebrate the special day in style.
  3. Personal loan for higher education: Use a personal loan for higher education to fund your studies, whether locally or abroad.
  4. Personal loan for medical emergency: If you face an unforeseen medical emergency, a personal loan for medical emergency ensures you get immediate financial support.
  5. Personal loan for home expenses: A personal loan for home expenses can cover home repairs, renovations, or upgrades.

These loans provide financial support for both planned and unexpected needs, making them a reliable borrowing option.


Interest rates and charges for personal loans in Vasai


Bajaj Finserv Personal Loan comes with competitive interest rates, typically ranging between 10% and 30% p.a., depending on the applicant’s profile and loan type. Along with attractive rates, borrowers should also be mindful of nominal processing and prepayment fees that may apply. These charges are clearly communicated upfront, ensuring complete transparency throughout the borrowing process. For detailed information, you can check the personal loan interest rate section on the Bajaj Finserv website.

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How to apply for a personal loan in Vasai?

  • 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

  • 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.

Compare loan variants

What are the uses of Personal Loan
 

What are the uses of Personal Loan

  • Flexi Hybrid Term Loan
  • Flexi Term (Dropline) Loan
  • Term Loan

Instalment

Interest-only EMIs for the initial part of the loan tenure. EMI applicable only on the withdrawn amount

Tenure

Initial tenure: Up to 36 months, Subsequent tenure: Up to 72 months

Annual maintenance charges

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

Part-prepayment facility

No part-prepayment charges

Flexi facility charges

Nominal Flexi facility charges applicable

Loan amount

Rs. 40000 to Rs. 55 lakh

Disbursal

Withdraw and prepay conveniently from your sanctioned loan limit

Instalment

Fixed EMIs that cover both the principal and interest on the withdrawn amount

Tenure

12 months to 96 months

Annual maintenance charges

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.

Part-prepayment facility

No part-prepayment charges

Flexi facility charges

Nominal Flexi facility charges applicable

Loan amount

Rs. 40000 to Rs. 55 lakh

Disbursal

Withdraw and prepay conveniently from your sanctioned loan limit

Instalment

Fixed EMIs that cover both the principal and interest

Tenure

12 months to 96 months

Annual maintenance charges

Not applicable

Part-prepayment facility

Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment.

Flexi facility charges

No Flexi facility charges.

Loan amount

Rs. 40000 to Rs. 55 lakh

Disbursal

Single disbursement of the loan amount

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

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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