Apply For Bajaj Personal Loan
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About This Video :
Bajaj Finance offers personal loans tailored to meet various financial needs, such as medical emergencies, weddings, home renovations, or higher education. Here’s a comprehensive overview to help you understand the offerings
Loan Amount & Tenure
Loan Amount: Up to ₹55 lakh (inclusive of insurance premiums, value-added services, and processing fees).
Repayment Tenure: Flexible options ranging from 12 to 96 months
Interest Rates & Charges
Interest Rates: Starting from 10% p.a., varying based on factors like credit score and income.
Processing Fees: Up to 3.93% of the loan amount (inclusive of taxes).
Prepayment Charges: Up to 4.72% of the principal outstanding.
Bounce Charges: ₹700 to ₹1,200 per instance.
Penal Charges: ₹6 to ₹12 per day for delayed payments
Eligibility Criteria
Age: Between 21 and 80 years (age at loan maturity).
Employment: Salaried individuals employed with MNCs, public, or private companies.
Citizenship: Must be a resident of India.
Credit Score: A CIBIL score of 685 or above is ideal for quicker approval
Required Documents
KYC Documents: Aadhaar card, PAN card, passport, voter’s ID, or driving license.
Income Proof: Salary slips for the last 3 months.
Bank Statements: Statements for the past 3 months.
Employment Proof: Employee ID card.
Loan Disbursement Time
Existing Customers: With pre-approved offers, funds can be disbursed within 5 minutes to a few hours.
New Customers: Typically, disbursement occurs within 24 hours after approval, provided all documentation is in order.
Loan Variants
Flexi Hybrid Loan: Offers the flexibility to borrow and repay within a specified limit. Interest-only EMIs are charged on the amount utilized.
Flexi Term Loan: Allows multiple withdrawals from the sanctioned limit with fixed EMIs covering both principal and interest.
Term Loan: A fixed loan amount with regular EMIs comprising both principal and interest
How to Apply
Online Application: Visit the Bajaj Finance Personal Loan page and click on “Check Offer.”
Enter Details: Provide your mobile number and verify with OTP.
Review Offer: View your pre-approved loan offer, including the loan amount and tenure.
Submit Documents: Upload the necessary KYC and income documents.
Complete Application: Finalize and submit your application
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Insurance
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Health Insurance Link :
Term Insurance Link :
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