So the day has finally come, you are getting married. But wait a minute does wedding expenses bother you? If that’s so, borrow Bajaj Finserv Personal Loan. It is an easy and affordable way to meet unexpected financial needs. For highlights, you can borrow up to INR 25 Lakh from Bajaj Finserv at an interest rate of 13.00% per annum onwards. Let’s go right into this article and know more about the features and benefits of Bajaj Finserv Personal Loan.
High Loan Amount
Borrowing Bajaj Finserv Personal Loan means all your wedding expenses will be met because it has a maximum limit of INR 25 Lakh. How does the personal loan amount determine? The loan amount will be based on the following factors -
Age - The minimum age criteria for Bajaj Finserv Personal Loan is 23 years, and if you meet the same and earn a good monthly income, you can borrow the high loan amount. Whereas if your age is around the maximum age limit of 55 years, there will be fewer chances for you to borrow a high loan amount.
Income - Your income helps the lender know whether you are creditworthy to borrow a Bajaj Finserv personal loan or not. The following are the minimum monthly income criteria as per your residence state/city.
INR 35,000 for the residents of Bangalore, Delhi, Mumbai, Chennai, Hyderabad, Pune, Ghaziabad, Noida, Thane, Coimbatore.
INR 30,000 for the residents of Ahmedabad and Kolkata
INR 28,000 for the residents of Jaipur, Surat, Cochin, Nagpur, Chandigarh
INR 25,000 for the residents of Rajkot, Calicut, Goa, Baroda, Lucknow, Indore, Bhubaneswar, Nasik, Aurangabad, Vizag, Madurai, Mysore, Bhopal, Jamnagar, Kolhapur, Vapi, Raipur, Trichy, Trivandrum, Jodhpur, Vijayawada
Obligations - If you have any ongoing credit card bills or loan EMIs, the same will be considered while determining the loan amount. So make sure, your income saves enough after the repayment of current obligations that it has a sufficient amount for new loan repayment.
Previous Repayments - Your past loan and credit card repayment history can impact your Bajaj Finserv personal loan. So if you want to avail of the high loan amount, you need to ensure that your CIBIL score > 750. You can check your CIBIL Score for free from Bajaj Finserv and know whether you are eligible for the personal loan.
Easy Repayments
Bajaj Finserv personal loan doesn’t bother you for repayments, as you can choose a suitable tenure and pay your borrowed loan and applicable interest rate in equated monthly installments. To choose a suitable loan tenure, take the help of the Bajaj Finserv personal loan EMI calculator. You can access the online calculator by visiting the Bajaj Finserv official website. How to use the online EMI calculator? To use the calculator, you need to insert the following details -
Loan amount
Loan tenure
Loan interest rate
The calculator will generate the approximate EMI and total interest payable amount. And you can check the amortization schedule to find how much principal or interest you will pay each year.
Note: The actual EMI and payable interest may differ depending on the date of loan disbursal.
How to Apply for Bajaj Finserv Personal Loan?
You can apply for the Bajaj Finserv personal loan either online or offline, whatever you prefer. Know about the application procedure in detail below.
Offline Application - Visit any nearby Bajaj Finserv branch and ask for the personal loan at the information desk. Once you get the loan application form, fill in the appropriate details and submit the same with the required documents such as a copy of Aadhaar, salary slip, etc.
Online Application - Here, you can apply for Bajaj Finserv personal loan at the convenience of your home. Just open your smartphone or desktop, and visit Bajaj Finserv official website and follow the instructions below -
Select ‘Personal Loan’
Click the ‘Apply Now’ button
Enter your first and last name as it is on your PAN card, state/city name and mobile number
Click the ‘Get OTP’ button
Enter the OTP that you have received on your mobile phone and complete the online application procedure
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