How long does it take to get a personal loan?

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.

What are the uses of personal loan in Bhilai?

You can take a Bajaj Finserv Personal Loan for several uses, such as: Personal loan for higher education Personal loan for medical emergency Personal loan for wedding Personal loan for home expenses

What is the maximum loan amount I can get with a personal loan?

With a Bajaj Finserv Personal Loan, you can get funds up to Rs. 55 lakh. Check your eligibility in just 2 steps and plan your expenses comfortably.

Can I apply for a loan in Bhilai with a low CIBIL score?

If you have a low CIBIL score, you may have to apply with a co-applicant.

What is the EMI for a personal loan of Rs. 10 lakh?

The EMI of your personal loan usually depends on the loan repayment tenure and the interest rate charged by the lender. You can use a personal loan EMI calculator to find out the EMI of Rs. 10 lakh personal loan. For instance, if you borrowed Rs. 10 lakh at an interest rate of 13%, the following is your EMI. Tenure Approximate EMI at 13% interest rate 2 years 4,754 3 years 3,369 5 years 2,275

Apply for a Personal Loan of Rs. 10 lakh in Bhilai

Rs. 40000 - Rs. 55 lakh

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Bajaj Finserv in your city

When financial needs arise, whether for a medical emergency, a wedding, or higher education, a personal loan can provide the necessary support. Residents of Bhilai now have access to a seamless borrowing experience with the Bajaj Finserv Personal Loan, which offers high-value loans, minimal paperwork, and flexible repayment options. If you are looking for a personal loan of Rs. 10 lakh in Bhilai, here is everything you need to know. You can also check if you already have a pre-approved offer in Bhilai. The process is 100% digital, with no need to visit a branch.

✅ Check your pre-approved loan offer in Bhilai 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 Bajaj Finserv Personal Loan

No part-prepayment charge on Flexi Term Loan (Flexi Dropline) and Flexi Hybrid Term Loan

Repay a part of your loan in advance, at no extra cost. You can part-pay as many times as you want.
Read about Flexi Term Loan

Loan of up to Rs. 55 lakh

Manage your small or large expenses with quick personal loans ranging from Rs. 40000 - Rs. 55 lakh.

Flexi loans

Make multiple withdrawals from a dropline limit and pay interest only on the withdrawn funds, with our Flexi loans.

Convenient tenures

Manage your loan easily with repayment options ranging from 12 months to 96 months.

Pre-approved offers

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

Approval in just 5 minutes*

Complete your entire personal loan application online from the comfort of your home or wherever you are and get an instant personal loan with fast approval.

Money in your account in 24 hours*

Your bank account will be credited with your loan amount within 24 hours* or, in some cases, on the same day of approval.

No hidden charges

Our fees and charges are mentioned clearly on this page itself and also on our loan documents. We advise you to read these in detail before applying.

No guarantor or collateral needed

You do not need to provide any collateral such as gold ornaments, property papers, or have someone stand as a guarantor.

*Terms and conditions apply.

These features make this one of the best personal loans in India.

How to apply for personal loan

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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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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Disclaimer

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

Personal Loan of Rs. 10 lakh in Bhilai

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