Personal Loan in Bangalore

Personal Loan in Bangalore

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

Loan Types

FAQs

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Rs. 40,000 - Rs. 55 lakh

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

Check now

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

Instant personal loan in Bangalore

Living in India’s Silicon Valley means keeping up with a fast-paced lifestyle. Whether you are navigating the tech hubs of Whitefield and Electronic City or the vibrant streets of Indiranagar, financial agility is key to managing the city's high cost of living. From emergency medical costs to planned home upgrades, securing a personal loan in Bangalore provides the necessary cushion for urban professionals.


When time is of the essence, opting for an instant personal loan in Bangalore ensures you bypass lengthy bank queues. Bajaj Finance offers funds ranging from Rs. 40,000 to Rs. 55 lakh within 24 hours* disbursement and a completely paperless application process.


You can also check if you already have a pre-approved offer in Bangalore. The process is fully online, with no need to visit a branch:


Check your offer in Bangalore with phone number and OTP → Apply online in 5 minutes → Receive funds within a day*

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Features and benefits of instant personal loan in Bangalore

  • Pre-approved offers

    You can check if you have a pre-approved offer for a personal loan in Udupi. 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. 40,000 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 processes become 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. Use our personal loan eligibility calculator to see how much loan amount you can borrow.

Uses of personal loans offered by Bajaj Finance


  • Travel loan – Turn your dream vacation into reality with ease by opting for a travel loan. Enjoy flexible repayment options and a hassle-free process.
  • Marriage loan – Simplify your wedding planning and cover all expenses stress-free with a convenient marriage loan.
  • Personal loan for higher education – Invest in your future effortlessly by managing tuition and academic expenses with a personal loan for higher education.
  • Medical loan – Address urgent healthcare needs instantly with a medical loan designed for emergencies.
  • Personal loan for home expenses – Upgrade, renovate, or furnish your home conveniently with a flexible personal loan for home
     

*Terms and conditions apply.

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Eligibility criteria and documents for personal loan in Bangalore

You can easily get the funds you need in Bangalore with the below criteria:

  • Personal loan eligibility criteria In Bangalore

    • 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 for personal loan in Bangalore

    • 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


Check your eligibility for personal loan using just mobile number and OTP – 100% online process.

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Personal Loan interest Rates and Charges in Bangalore

Understanding the interest rates and charges is crucial when considering a personal loan in Bangalore. Here’s a quick overview:


CategoryDetails
Loan amountRs. 40,000 to Rs. 55 lakh
Interest RateStarting at 10% p.a.
Tenure12 months to 96 months
Disbursal 24 hours*
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How to apply for personal loan in Bangalore

  • 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 three personal loan variants –Term, Flexi Term, and Flexi Hybrid Term.
    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.

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