Use our personal loan EMI calculator to calculate your personal loan EMI and interest payable.
₹40,000 - ₹50 Lakh
You may be eligible for a pre-approved offer in Vijayawada
Enter mobile and OTP | Quick online approval | Get money in a day*
Bajaj Finserv in your city
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Getting a personal loan in Vijayawada is now easier than ever. You can easily apply for a personal loan in Vijayawada to manage different expenses, such as a home renovation, wedding, medical treatment, or higher education. You can apply online on your phone, or by visiting the nearest Bajaj Finserv branch.
You can also check if you already have a pre-approved offer in Vijayawada. The entire process is online, no branch visit required:
Check your offer → Apply online in 5 minutes → Receive funds within a day*
Read on to explore the features, eligibility criteria, and application process for a personal loan in Vijayawada.
*Terms and conditions apply.
Features of personal loan in Vijayawada
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Pre-approved offers
You can check if you have a pre-approved offer for a personal loan in Vijayawada. All it takes is just your phone number and OTP.
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Money in your account in 24 hours*
You will get the loan amount in your bank account within 24 hours*, making it easy to manage any urgent expenses.
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High loan amount and flexible tenure
You can take a loan ranging from Rs. 40,000 to Rs. 55 lakh - and spread the repayment over long tenure of up to 8 years.
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Quick approval
Apply online and get instant approval for your personal loan. Know more about the personal loan application process.
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Minimal documents
With very little paperwork required, the loan application and approval process becomes quick and convenient.
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No guarantor or collateral needed
You do not need to provide any collateral such as gold ornaments and property papers to get the loan.
*Terms and conditions apply.
Vijayawada is a lively city in Andhra Pradesh, India. It sits beside the Krishna River. The city is known for its rich culture and the famous Kanaka Durga Temple. It’s an important travel spot with busy markets, old buildings, and lots of tasty food to try.
Eligibility criteria and required documents
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Eligibility criteria
You can easily get our personal loan in Vijayawada with the below 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.
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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
How to apply for a personal loan in Vijayawada?
Follow the below steps to get a Bajaj Finserv Personal Loan in Vijayawada:
- Click on ‘CHECK ELIGIBILITY’ on this page.
- Enter your 10-digit mobile number and the OTP sent to your phone.
- 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.
- Now, click on ‘PROCEED’ to visit the loan selection page.
- Enter the offer or loan amount that you need. Choose from our three personal loan variants –Term, Flexi Term, and Flexi Hybrid.
- Choose the repayment tenure and click on ‘PROCEED’.
- Complete your KYC and submit your application.
Before applying for a personal loan in Vijayawada, you can plan your repayment by using our personal loan EMI calculator. By entering the loan amount, interest rate, and tenure, you can easily see the instalment amount.
Fees and Charges
Type of fee |
Applicable charges |
Rate of interest per annum |
10% to 31% p.a. |
Processing fees |
Up to 3.93% (Inclusive of applicable taxes) of the loan amount. |
Flexi Facility Charge | Term Loan – Not applicable Flexi variant - A fee will be deducted upfront from the loan amount (as applicable below)
*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 |
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) 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. |
Pre-payment charges |
Full Pre-payment: Foreclosure can be processed post clearance of first EMIs.
Part Pre-payment:
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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.
Key offerings: 3 loan types
Calculate your EMI
Frequently asked questions
Overview
Application
Eligibility
Repayment
Fees and charges
You can take a Bajaj Finserv Personal Loan for several uses, such as:
With a Bajaj Finserv Personal Loan, you can get the funds within 24 hours* of approval. Check your offer in just 2 steps and apply online to get our loan.
*Terms and conditions apply.
With Bajaj Finance Limited, you can expect instant approval on your personal loan application.
You can use our personal loan EMI calculator to find out your monthly instalment amount. You only need to enter the loan amount, interest rate, and the tenure to get an estimate of the EMI.
You can repay your personal loan in the form of EMIs (equated monthly instalments). Here, a fixed amount is automatically deducted from your bank account every month. You can set up a NACH mandate with your bank to pay the EMIs.
You can borrow up to Rs. 55 lakh Inclusive of insurance premium, VAS charges, Flexi facility charges, and processing fees without pledging any collateral.
Check your eligibility for our personal loan with just your mobile number and OTP. To get a quick personal loan, you only need to meet a few basic personal loan eligibility criteria:
- You must be between 21 years and 80 years* of age
- You must be a salaried individual employed with an MNC, public or private company
- You must be a residing citizen of India
- If you meet the salary requirement based on your city of residence, you can qualify for the loan.
You should be 80 years* or younger, at the end of the loan tenure
You will be asked to submit the following documents to get a personal loan from Bajaj Finserv:
- 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 our personal loan with just your mobile number and OTP.
*Terms and conditions apply
A CIBIL Score of 685 or above is required to get a Bajaj Finserv Personal Loan.
Lenders provide an interest rate when you opt for a personal loan. The personal loan interest rate depends on several factors including CIBIL Score, income, debt-to-income ratio, employment stability etc. Once you know the interest rate, you can use the interest calculator to know your EMI outflow.
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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*.