Personal Loan in Karnal

Personal Loan in Karnal

Get online approval for your personal loan in Karnal. Check your eligibility without branch visit – 100% online application.

₹40,000 - ₹50 Lakh

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

Enter mobile and OTP | Quick online approval | Get money in a 24 hours*

Bajaj Finserv in your city

  • Looking to manage sudden expenses or fund your next big goal in Karnal? A personal loan can be your financial solution. Whether it is for a medical emergency, wedding, travel, or home renovation, Bajaj Finserv Personal Loan offers a simple way to get funds when you need them most.

    You can also check if you already have a pre-approved offer in Karnal. The entire process is online, and no branch visit is required:

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

Karnal, in Haryana, is known for being an important hub for top educational institutes like IARI, CSSRI, and NDRI. It’s also one of the 100 cities selected for smart city development. With better infrastructure, rising education and healthcare costs, and evolving lifestyle needs, more residents are now exploring personal loans to manage financial needs without using up their savings.
Bajaj Finserv offers affordable personal loans in Karnal through its main branches. You can visit the nearest branch or simply apply online—it’s quick and easy.

*Terms and conditions apply.

Show More
Show Less

Features of personal loan in Karnal

  • Pre-approved offers

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

  • Flexi Loan variants

    Withdraw as needed and pay interest only on the amount withdrawn. With Flexi Hybrid Term Loan, you can pay interest-only EMIs for the first 24 months, easing your cash flow.

  • Flexible repayment options

    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. Use the personal loan EMI calculator for to estimate your EMI.

  • Instant approval and fast disbursal

    Fill up and submit the online loan application form and get approved almost instantly. You will get the loan amount in your bank account within 24 hours*, making it easy to manage any urgent expenses.

  • No collateral

    The Bajaj Finserv Personal Loan is completely unsecured – no need to pledge assets or arrange for a guarantor.

  • Online loan management

    Use our customer portal, My Account, and manage your loan account online.

  • No hidden charges

    Bajaj Finance maintains 100% transparency and does not levy any hidden charges on personal loans. Read the terms and conditions to know more.

  • Minimal to no documentation

    The documents required for a personal loan from Bajaj Finance are few. Keep them ready and get instant approval.

In the Swachh Survekshan 2019, Karnal was ranked the 24th cleanest city in India out of over 4,000 cities. With the Yamuna River nearby, Karnal is well known for producing high-quality Basmati rice. Milk and wheat production also play a big role in the local economy.

If you’re planning to take a personal loan in Karnal, you can count on trusted lenders like Bajaj Finance. Our process is simple, transparent, and free from hidden charges. Meet the eligibility criteria to get access to a higher loan amount and special features. Check your eligibility for personal loan using just mobile number and OTP.

 

*Terms and conditions apply.

Show More
Show Less

Eligibility criteria and documents for personal loan in Karnal

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

  • Eligibility criteria

    • Nationality: Indian
    • Age: 21 years to 80 years**.
    • Employed with: Public, private, or MNC.
    • CIBIL Score: 685 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

Know more about the personal loan eligibility criteria. Fulfil the parameters and get one of the best personal loan interest rates from Bajaj Finance. Know the other charges and fees for better understanding.

Show More
Show less

Fees and Charges

Type of fee

Applicable charges

Rate of interest per annum

10% to 31% p.a.

Processing fees

Up to 3.93% (Inclusive of applicable taxes) of the loan amount.
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) 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.

Pre-payment 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 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 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 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.

Key offerings: 3 loan types

Compare loan variants

What are the uses of Personal Loan

Overview

Application

Repayment

Eligibility

Fees and charges

What are the uses of personal loan in Karnal?
How long does it take to get a personal loan in Pune?

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.

How long does it take to get approved for a personal loan?

With Bajaj Finance Limited, you can expect instant approval on your personal loan application.

How can you calculate your EMI?

You can use our personal loan EMI calculator to find out your monthly instalment amount. You only need to enter the loan amount, interest rate, and the tenure to get an estimate of the EMI.

How can I repay my personal loan?

You can repay your personal loan in the form of EMIs (equated monthly instalments). Here, a fixed amount is automatically deducted from your bank account every month. You can set up a NACH mandate with your bank to pay the EMIs.

What are the eligibility criteria for a personal loan?

Check your eligibility for our personal loan with just your mobile number and OTP. To get a quick personal loan, you only need to meet a few basic personal loan eligibility criteria:

  • You must be between 21 years and 80 years* of age
  • You must be a salaried individual employed with an MNC, public or private company
  • You must be a residing citizen of India
  • If you meet the salary requirement based on your city of residence, you can qualify for the loan.

You should be 80 years* or younger, at the end of the loan tenure

*Terms and conditions apply

How is personal loan interest calculated?

Lenders provide an interest rate when you opt for a personal loan. The personal loan interest rate depends on several factors including CIBIL Score, income, debt-to-income ratio, employment stability etc. Once you know the interest rate, you can use the interest calculator to know your EMI outflow.

Show More Show Less

Disclaimer

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