Personal Loan in Moga

Personal Loan in Moga

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

FAQs

Rs. 40,000 - Rs. 55 lakh

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

Check now

Enter mobile and OTP | Check offer | No branch visit needed

Bajaj Finserv in your city

  • A Bajaj Finserv Personal Loan in Moga is designed to offer flexibility, speed, and peace of mind. With a 100% digital journey, you can apply, check eligibility, and receive funds without stepping outside your home.
     

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

Moga, located in Punjab, is known for its agricultural prominence and rapid urban development. As the city grows in education, health, and infrastructure, more residents are turning to personal loans to meet planned and urgent financial needs. A personal loan in Moga is an efficient solution—easy to apply for, flexible to use.


*Terms and conditions apply.

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Features of personal loan in Moga

  • Instant approval

    Apply online today to qualify for instant approval on the loan applied.

  • High loan sanction

    Meet the eligibility parameters and get an instant personal loan of up to Rs. 55 lakh.

  • Flexible tenure

    Choose a tenure up to 108 months with the online personal loan calculator.

  • Simple documentation

    Check the documents required for a personal loan and submit them with the application form.

  • Online loan management

    Use our customer portal, My Account, and access your loan account anytime, from anywhere.

  • Money within 24 hours*

    Getting money in your account is fast and hassle-free with Bajaj Finance’s online application process.

  • Greater transparency

    We offer funds with much transparency without charging any hidden costs. Contact us for better understanding.

  • Pre-approved offers

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

  • No guarantor or collateral needed

    Avail of a personal loan from us without pledging any asset. Meet only the eligibility to qualify for this fund.

Situated on the banks of the Sutlej, Moga is a city in Punjab. The major crops of this area are rice, wheat, sugarcane, etc. This city also has some renowned companies like Microsoft, LIC, etc. Moga is also home to educational institutions like Chandigarh University, Lovely Professional University and more.


 

Residents of Moga can reach out to Bajaj Finance for a personal loan that allows them to finance any big-ticket purchases.Meet only a few personal loan eligibility parameters and get instant funds during an emergency. Zero hidden charges make this loan a transparent borrowing solution.


 

*Conditions apply

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Eligibility criteria and documents for personal loan in Moga

You can easily get the funds you need in Moga 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. 

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How to apply for personal loan in Moga

  • 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

Credit guarantee scheme feeUp to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount
Credit guarantee scheme renewal feeUp to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year.
*Renewal Fee to be collected only for 3 subsequent financial years.
 
**If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated.

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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