Personal Loan in Ludhiana

Personal Loan in Ludhiana

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

₹40,000 - ₹50 Lakh

You may be eligible for a pre-approved offer

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

Bajaj Finserv in your city

  • Ludhiana, Punjab’s industrial capital, is a city of ambition—whether you're growing a business, planning a wedding, or managing household upgrades. For big or unexpected expenses, a Bajaj Finserv Personal Loan in Ludhiana offers a fast, flexible, and fully digital way to access funds.

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

    Borrow up to Rs. 55 lakh, get 100% online approval, and receive money in 24 hours*—no collateral or branch visit required.

Famous for its textile, bicycle, and hosiery industries, Ludhiana is also home to thriving education centres, hospitals, and modern residential zones like Sarabha Nagar, Dugri, and Model Town. With increasing aspirations and growing expenses, more residents are turning to personal loans to manage life’s milestones and financial challenges.

A personal loan in Ludhiana can be the perfect solution—offering speed, ease, and financial confidence.

*Terms and conditions apply

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Features of personal loan in Ludhiana

  • Instant approval

    Apply online to get your personal loan application approved instantly.

  • High-value loan

    Be it for weddings, higher education or debt consolidation, avail up to Rs. 55 lakh for all purposes.

  • Pre-approved offers

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

  • Flexibility

    Opt for the Flexi loan facility and get a pre-assigned limit from which you can withdraw as you wish.

  • Easy repayment

    Repay over a flexible tenure of up to 96 months.

  • No surprise rates

    There are zero hidden charges imposed on a loan. Read our transparent terms and conditions here.

  • Minimal documents

    No more lengthy paperwork. Finish the application process with minimal documents.

     

  • Loan within 24 hours*

    Avail of one of the fastest personal loans in India from Bajaj Finance with money in bank within 24 hours*.

  • Online account facility

    Make EMI payments and monitor your loan account easily via My Account, our customer portal.

Located on the banks of River Sutlej, Ludhiana is the largest bicycle manufacturing centre in Asia. This state accounts for almost 50% of India’s bicycle production (10 million+ every year). The economy of Ludhiana is also dependent on its small-scale enterprises that manufacture hosiery, machine parts, industrial goods, garments, apparel, household appliances, etc.  Again, the city is one of India’s largest producers of automobile and tractor parts.

Meet your additional monetary needs with personal loans from Bajaj Finance. Borrowers in Ludhiana can enjoy unrestricted use, easy repayment tenure, quick financing and other benefits. Use the Bajaj Finserv Eligibility Calculator to know the highest loan amount you are qualified to avail. Enjoy the best interest rates starting from 10% p.a.

*Terms and conditions apply

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How to apply for personal loan in Ludhiana

  • 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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Eligibility criteria for personal loan in Ludiana

You can easily get the funds you need in Ludhiana 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

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

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Key offerings: 3 loan types

Disclaimer

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