Bajaj Finance Personal Loan | Bajaj Personal Loan | Loan App Fast Approval

Описание: 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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