Bajaj Finserv in your city
Ghaziabad is one of Northern India’s largest planned cities and is known as the Gateway of Uttar Pradesh, with one of the second-fastest growing industrial bases. The steel and electronics industries compose the city’s major employment sectors.
City residents can conveniently avail of a Bajaj Finserv Personal Loan in Ghaziabad from any of the 3 branches here to fulfil their diverse funding needs with ease.
Features and benefits
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Complete hassle-free paperwork with minimum document requirements to receive approval.
Hassle-free documentation
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Money credited within 24 hours*
With Bajaj Finserv bringing the fastest personal loan, receive money in the account within 24 hours* of approval.
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Flexi loan facility
The Flexi loan facility allows you to borrow as you go with EMI reduction by up to 45%*.
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Repayment flexibility
Choose from a flexible tenor of up to 96 months to make affordable repayments.
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100% transparency
With zero hidden charges, Bajaj Finserv maintains 100% transparency in terms and conditions.
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Financing of up to Rs. 40 lakh
Meet both big and small financing needs with a high-value personal loan of up to Rs. 40 lakh.
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Online management
Gain access to your loan account through the customer portal - My Account, for easy loan management from anywhere.
One of the major industrial bases in North and West India, Ghaziabad also hosts the administrative headquarters of its namesake district. The city also boasts a well-planned transportation infrastructure with its road and rail network and is one of the central North Indian rail junctions.
The city’s history dates back to the 18th century, with some of the top tourist attractions situated here. Bajaj Finserv brings one of the most easily accessible personal finances to the city residents against minimum eligibility requirements and zero collateral. Its easy online application fuels accessibility to the funding option.
*Conditions apply
Eligibility criteria
Provide only a few documents to fulfil personal loan eligibility criteria with Bajaj Finserv during application.
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Age
Between 21 years to 80 years*. 80 years* or younger, at the end of the loan tenure.
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CIBIL score
685 and above
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Should be employed with an MNC or a private/public limited company
Job-status
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Resident Indian citizen
Nationality
Bajaj Finserv brings collateral-free financing with minimal eligibility and document requirements to make funding convenient. Assess your affordability with a personal loan EMI calculator before applying to make an informed borrowing decision.
Interest rates and charges
Interest rates on personal loan are kept nominal with competitive charges for affordable financing.
Personal loan interest rates and applicable charges
Type of fee |
Applicable charges |
Rate of interest |
11% to 38% p.a. |
Processing fees |
Up to 3.93% of the loan amount (inclusive of applicable taxes). |
| Flexi Fee | Term Loan – Not applicable Flexi variant - A fee will be deducted upfront from the loan amount (as applicable below)
*All the Flexi charges above are inclusive of applicable taxes *Loan amount includes approved loan amount, insurance premium, and VAS charges. |
Bounce charges |
In case of default of repayment instrument, Rs. 700 - Rs. 1,200 per bounce will be levied. |
| Pre-payment charges | Full Prepayment
Part-prepayment
*Foreclosure will be processed post clearance of first EMI |
Penal charge |
Delay in payment of instalment(s) shall attract a penal charge of up to Rs. 12 per day 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. |
Mandate rejection charges |
Rs. 450 per month from the first month of the due date for the mandate rejected by customer’s bank until the registration of new mandate. |
Annual maintenance charges |
Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount during the initial tenure. Up to 0.295% (inclusive of applicable taxes) of total withdrawable amount during subsequent tenure. |
| Broken period interest / Pre-monthly Instalment interest |
"Broken Period Interest/Pre-monthly Instalment interest" shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 - Over and above the period of 30 days from the date of disbursement of the Loan: Method of recovery of Broken Period Interest/Pre-monthly Instalment interest:
Scenario 2: Less than period of 30 days from the date of disbursement of the Loan: Interest on first instalment will be charged for actual number of days. |
| Switch fee | Up to 1.18% of the loan amount (inclusive of applicable taxes). Switch fee is applicable only in case of switch of loan. In switch cases, processing fees will not be applicable. |
Note: Additional cess if any, will be applicable to all charges according to state law.
*Terms and conditions apply.
For Micro Finance Loans, please note below:
Purchase of any non-credit product by the microfinance borrowers is purely on a voluntary basis. Minimum interest, maximum interest, and average interest are 13%, 38%, and 35.71% per annum respectively. Part pre-payment and Foreclosure charges are NIL.
