Bajaj Finserv Personal Loan Apply 2024 : Friends, in today's article we are going to understand the questions related to Bajaj Finserv personal loan and the process of applying for that loan. Under this article, today we will know some important questions related to bajaj finserv personal loan like the interest rate of bajaj finserv personal loan, the amount you will get under bajaj finserv personal loan, what is the eligibility criteria of bajaj finserv personal loan.
But before understanding all these things, it is very important for us to know what is Bajaj Finance or Bajaj Finserv.
Bajaj Finance Loan Details
Type Of Loan Personal Loan
Loan Amount ₹30,000 से ₹40 लाख
Interest Rate 13% – 35% प्रति वर्ष
Loan Tenure 12 से 96 महीने
Processing Fees लोन राशि का 3.93% + taxes
Bounce Charges ₹700 – ₹1200 per bounce
Penal Interest 3.50% per month (EMI का भुगतान करने पर)
What is Bajaj Finserv ?
Friends, Bajaj Finserv is an old NBFC (Non-Banking Financial Institution) registered by RBI whose headquarters is in Pune, Maharashtra, India. This company has been working for more than 11 years in all the diverse areas related to finance and loans.
Bajaj Finserv is India's largest well-known and popular finance institution which has participated in the progress of many people and small businessmen by providing loans to them in the last 11 years.
Eligibility to take loan from Bajaj Finserv
To take a loan from Bajaj Finserv, it is necessary to have certain qualifications. which is like this:
The person taking loan from Bajaj Finserv must be a citizen of India.
The minimum age of the loan taker should be 21 – 23 years and maximum age should be 55 – 60 years.
The loan taker should have his own business or do some work which generates income. The salary should be at least Rs 20 thousand or more every month.
To take a loan, your credit score limit should be 750 or more so that the credit score is good.
To take a loan, Aadhaar card, PAN card which is linked to the mobile number is required which is required to fill the KYC information.
The loan taker must have a current bank account and for income proof it is necessary to have a bank statement for the last three months.
The loan taker should have 6 months of experience in his work.
Before taking a loan, check all the information carefully before applying because if the loan request is rejected then you will have to wait for 6 months and only after that you will be able to apply for the loan.
Features of Bajaj Finserv Personal Loan. Features Of Bajaj Finserv Personal Loan
Friends, if you are interested in taking Bajaj Finserv Personal Loan, then you should know about the features related to this loan, some of which are as follows: -
Simple, accessible and easy process to apply for loan online and offline
Quick online application process in less than 5 minutes
Quick approval of loan amount up to Rs. 25 lakhs
Transfer of loan amount to bank account within 24 hours
Minimal documentation and fastest loan processing time
Flexible EMI Structure
No collateral, security or guarantee required
One stop solution for all small and big loan needs related to your loan problems
These are some of the features of Bajaj Finserv Personal Loan.
Bajaj Finance loan apply online
There on the home page you will see the option of Personal Loan, or you can search by typing “Personal Loan” in the search bar.
After clicking on Personal Loan, an application form will open in front of you, which you will have to read carefully and fill.
After filling all the required documents you have to scan and upload them. Then you have to click on submit.
After some time or 24 hours after submission, the bank will call you and ask for some information about the loan.
After verification by the bank, the loan amount will be transferred to your bank account.
So in this way you can apply for the loan.
Through the Bajaj Finance Loan App, you can make personal loan EMI payments directly through your bank account, ATM card, credit card or any other UPI. You have options for all payment options.
Bajaj Finserv Personal Loan, Interest Rate
Currently, personal loan is being given in a very simple way through Bajaj Finserv Personal Loan. If you are in dire need of money, you can get Rs 100000 to Rs 2500000 under Bajaj Finserv Personal Loan in your mobile phone.
But know one thing in advance that before taking Bajaj Finserv Personal Loan, you must know about its basic interest rate i.e. what is the interest. Bajaj Finserv Personal Loan interest rate ranges from 11% to 25% per annum. Talking about the basic interest rate, your EMI and interest rate is calculated on the basis of the loan amount you get. Depending on the loan amount you get, you may see different EMI interest rates.
Bajaj Finserv Personal Loan Types
Personal Loan for Employed Individuals
Purpose: Collateral-free loan for salaried individuals to meet various financial needs like travel, marriage, medical emergency, education, debt consolidation, home renovation etc.
Loan amount: Up to Rs 40 lakh
Duration: up to 8 years
Personal Loan for Non-Employed Individuals
Purpose: Collateral-free loan for non-employed individuals to meet personal as well as business/professional needs.
Loan amount: Up to Rs 50 lakh
Duration: Up to 8 years
Personal Loan for Doctors
Objective: To meet the personal and professional needs of doctors including growth in medical practice.
Duration: Up to 8 years
Loan amount: Up to Rs 55 lakh
Personal Loan for Chartered Accountant
Purpose: Loan to meet personal and business needs of Chartered Accountants including wedding, vacation, home renovation, education, debt consolidation.
Loan amount: Up to Rs 55 lakh
Duration: Up to 8 years
Flexi Personal Loan
Purpose: A credit facility similar to a personal loan overdraft facility in which the applicant can withdraw funds from a pre-approved limit based on his credit profile.
Bajaj finserv Personal Loan Documents Requirement
Friends, if you are interested in taking a personal loan from Bajaj Finserv, then it is important for you to know the documents required to take the loan, which are as follows.
KYC documents like your Aadhar Card, PAN Card, Driving License etc.
Employee ID card of the place where you work
Salary slip of last two months
And last 3 months bank account statement
You just need to have the above mentioned documents with you to take a personal loan.
How to check Bajaj Finserv App EMI
First login to BAJAJ APP
After this go to “MY RELATION” category
Then click on LOAN VIEW ALL
After this you will be shown “CUSTOMER DURABLE LOAN”
In which you will get the EMI information of that loan which is ongoing.
In this app, complete information about EMI is shown to you like –
LOAN TENURE, NEXT EMI, VIEW STATEMENT, NO. EMI PAID, EMI START END DATE.
How to check EMI in Bajaj Finserv App
Important Link
Official Website : Click Here
Bajaj Finserv Loan Apply : Click Here