Bajaj Finserv Personal Loan Detail Bajaj Finserv Limited, a part of Bajaj Holdings & Investments Limited that provides services like asset management, wealth management insurance, is one of the leading NBFCs that offer personal loans to meet various types of expenses. Offers Bajaj Finserv Loans that can be used for multiple purposes Bajaj Finserv gives Personal Loan up to Rs.37 lakhs.
And also gives a time period of 5 years to repay the loan and Bajaj Finserv Personal Loan has a very small processing fee and not so much process, once the documents are verified, then the loan is passed in this article. Bajaj Finserv Personal Loan Kaise le will tell in detail about how to take Bajaj Finserv Personal Loan, what documents are required for Bajaj Finserv Personal Loan and how to apply for it.
What is Bajaj Finserv Personal Loan?
Bajaj Finserv Personal Loan details – A personal loan is a loan that is given to you on the basis of your credit history and income. Personal loan is sometimes called signature loan or unsecured loans because personal loan is usually secured. Nothing is needed to do it.
Personal loans are easy to get from home loans and auto loans. Personal loans can be used for almost anything (Bajaj Finserv Personal Loan for salaried), but it is wise to only borrow as much as you need – and Only for things that improve your finances or have a significant impact on your life.
Features and Benefits of Bajaj Finserv Personal Loan
Features of Bajaj Finserv Personal Loan – Bajaj Finserv is one of the largest private bank in India with many features of its personal loan like:
- Gives personal loan up to 37 lakh for any requirement from BOI.
- The application process to avail Bajaj Finserv is quite simple and requires minimal documentation.
- Bajaj Finserv, Personal Loan repayments range from 12 months to 60 months, making it easy to repay the loan.
- Bajaj Finserv offers various types of personal loan schemes such as personal loan, flexi loan, personal loan for marriage, personal loan for travel, personal loan for medical emergency, personal loan for doctors, chartered Personal Loan for Accountants, Personal Loan for Self, etc.
Bajaj Finserv Personal Loan Interest Rates
Bajaj Finserv Personal Loan Interest Rates
- Flexi Loan :- Starting from 12.99%
- Personal Loan :- Starting from 12.99%
- Personal Loan for Self :- Starting at 18%
- Personal Loan for Chartered Accountant :- 14% to 15%
- Personal Loan For Travel :- Starting From 12.99%
- Personal Loan For Medical Emergency :- Starting From 12.99%
- Personal Loan For Marriage :- Starting From 12.99%
- Personal Loan for Doctors :- 14% to 16%
Bajaj Finserv Personal Loan Fees and Charges
Bajaj Finserv Personal Loan Fees and Charges
- Processing Fee :- Up to 3.99% of the loan amount
- Bounce Charge :- ₹ 600 – 1200 (Inclusive of applicable tax)
- Penal interest :- 2% of EMI per month + applicable tax or ₹ 200 per month (inclusive of tax), whichever is higher
- Security Fee (Only for Online Approval) :- ₹ 4499
- Outstation Check Collection Fee :- ₹ 65 + Applicable Taxes
- Part Payment Fee :- 2% of Amount Prepaid (Minimum 2 EMIs) + Tax
- Four Closure Charge :- 4% on outstanding loan amount
Eligibility Criteria for Bajaj Finserv Personal Loan
Bajaj Finserv Personal Loan Eligibility Criteria
- Applicant must be resident of India
- Applicant age should be at least 23 years
- Applicant’s maximum age should be 55 years
- Applicant must reside in one of the eligible cities
Documents required for personal loan application
Documents required for personal loan application
- Pan card
- Latest photo
- KYC Documents – Aadhar, Driving License, Voter ID Card, etc.
Additional Documents Required for Employed Persons
- Form 16 or latest salary slip
- Bank statement of last 6 months
Additional Documents for Self Employed Individuals, Traders and SMEs (Small and Medium Enterprises)
- Occupation Proof (Certificate of Business Existence)
- Business Documents (if annual turnover is more than Rs.1 crore)
- Bank account statement
- Copy of Income Tax Return (ITR) of the previous year
Additional Documents Required for Chartered Accountant
- Certificate of Practice (COP)
- Bank statement
Additional Documents Required for Doctors
- Medical registration certificate
Apply Online for Bajaj Finserv Bank Loan
How To Online Apply for Bajaj Finserv Personal Loan – If any person wants to apply online for Bajaj Finserv Personal Loan (How to get Bajaj Finserv Bank Personal Loan) then he can apply from the bank’s official website link of the website Given below, you can apply online for any type of loan from where Bajaj finserv personal loan status.
What is Bajaj Finserv EMI Card?
Bajaj Finserv EMI Card is a digital card through which you can buy any product on EMI (Equated Monthly Installment) without any interest rate in easy installments like TV, Freeze, Mobile phone and more Various of your favorite products. It is like a pre-approved loan, in which you can deposit the EMI of your purchased goods in a time period of 3 to 24 months. Bajaj Finserv Card is also known as Bajaj Finance Card and Bajaj EMI Card.
If you want to buy an online product and there is not enough payment in your bank as required to buy that product, then Bajaj Finserv Card can prove to be very helpful for you. With Bajaj Finance Card you can buy any product online / offline on easy EMI installments without any interest rate.
What are the types of Bajaj EMI Card?
There are two types of Bajaj EMI Card:
- Gold Card: To get a Gold EMI card, you have to pay Rs 412.
- Titanium Card: For Titanium EMI card, you have to pay Rs.848.
Eligibility to get Bajaj Card:
- Applicant’s age limit should be 18 years or more.
- You must have a means of income.
- You must have an account in the bank .
- The applicant’s Civil Score Record should be 750 or better.
Documents required to get Bajaj EMI Card
Yes, when you go to get your card made, you will also be asked for some documents, we have given the list below:
- Latest passport size photo
- Aadhar card
- Pan card
- A canceled check
- Bank Statement (Bank Passbook)
- Salary slip
Benefits of Bajaj Card
- Through Bajaj Finance Card, you can buy any item on EMI (Equated Monthly Installment).
- With Bajaj Finserv Card, you can take No Cost EMI i.e. goods without any interest.
- You get 0% interest on buying goods on EMI with Bajaj Finance Card, which means you have to pay the same amount in installments without any interest for the amount of product(s) you have purchased.
- With this card, you can also shop online on EMI in easy installments.
- With this you can also take personal loan and travel loan.
