Personal Loan in Vijaywada

Personal Loan in Vijaywada

Get online approval for your personal loan in Vijaywada. No branch visit needed to check your eligibility.
Loan Types

Loan Types

Calculator

Calculator

FAQs

FAQs

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Rs. 40000 - Rs. 55 lakh

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

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

Bajaj Finserv in your city

Getting a personal loan in Vijaywada is now easier than ever. You can easily apply for a personal loan in Vijaywada 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 Vijaywada. The entire process is online, no branch visit required:

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


 

Read on to explore the features, eligibility criteria, and application process for a personal loan in Vijaywada.


 

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Features of personal loan in Vijaywada

  • Pre-approved offers

    You can check if you have a pre-approved offer for a personal loan in Vijaywada. All it takes is just your phone number and OTP.

  • 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.

  • High loan amount and flexible tenure

    You can take a loan ranging from Rs. 40000 to Rs. 55 lakh - and spread the repayment over long tenure of up to 8 years.

  • Quick approval

    Apply online and get instant approval for your personal loan. Know more about the personal loan application process.

  • Minimal documents

    With very little paperwork required, the loan application and approval process becomes quick and convenient.

  • 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.


Vijaywada 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.

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Eligibility criteria and required documents

You can easily get our personal loan in Vijaywada with the below eligibility 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
    • Phone bill
    • Real-time image / photograph
    • Ration card
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How to apply for a personal loan in Vijaywada?

  • Follow the below steps to get a Bajaj Finserv Personal Loan in Vijaywada:

    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.

Before applying for a personal loan in Vijaywada, 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.

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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 Loans – Up to Rs 1,999 to Rs 12,999/- (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) 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 (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 0.295% (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

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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*.