Personal Loan in Ghaziabad: Apply Online for Instant Approval, EMI starts @₹1104/Lakh

Bajaj Finserv in your city

Ghaziabad is one of Northern India’s largest planned cities and is known as the Gateway of Uttar Pradesh, with one of the second-fastest growing industrial bases. The steel and electronics industries compose the city’s major employment sectors.

City residents can conveniently avail of a Bajaj Finserv Personal Loan in Ghaziabad from any of the 3 branches here to fulfil their diverse funding needs with ease.

Hassle-free documentation

Complete hassle-free paperwork with minimum document requirements to receive approval.
Money credited within 24 hours*

With Bajaj Finserv bringing the fastest personal loan, receive money in the account within 24 hours* of approval.
Flexi loan facility

The Flexi loan facility allows you to borrow as you go with EMI reduction by up to 45%*.
Repayment flexibility

Choose from a flexible tenor of up to 96 months to make affordable repayments.
100% transparency

With zero hidden charges, Bajaj Finserv maintains 100% transparency in terms and conditions.
Financing of up to Rs. 55 lakh

Meet both big and small financing needs with a high-value personal loan of up to Rs. 55 lakh.
Online management

Gain access to your loan account through the customer portal - My Account, for easy loan management from anywhere.

One of the major industrial bases in North and West India, Ghaziabad also hosts the administrative headquarters of its namesake district. The city also boasts a well-planned transportation infrastructure with its road and rail network and is one of the central North Indian rail junctions.

The city’s history dates back to the 18^th century, with some of the top tourist attractions situated here. Bajaj Finserv brings one of the most easily accessible personal finances to the city residents against minimum eligibility requirements and zero collateral. Its easy online application fuels accessibility to the funding option.

*Conditions apply

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Check the online interest calculator to find accurate repayment details based on the latest personal loan interest rate. It helps you plan better and choose the best loan option.

Type of fee	Applicable charges
Rate of interest	10% to 31% p.a.
Processing fees	Up to 3.93% of the loan amount (inclusive of applicable taxes).
Flexi Facility Charge	Term Loan – Not applicable Flexi variant - A fee will be deducted upfront from the loan amount (as applicable below) Up to Rs. 1,999/- for loan amount less than Rs. 2,00,000 Up to Rs. 3,999/- for loan amount from Rs. 2,00,000 to Rs. 3,99,999 Up to Rs. 5,999/- for loan amount from Rs. 4,00,000 to Rs. 5,99,999 Up to Rs. 7,999/- for loan amount from Rs. 6,00,000 to Rs. 9,99,999 Up to Rs. 8,999/- for loan amount from Rs. 10,00,000 to Rs. 14,99,999 Up to Rs. 9,999/- for loan amount from Rs. 15,00,000 to Rs. 19,99,999 Up to Rs. 10,999/- for loan amount from Rs. 20,00,000 to Rs. 24,99,999 Up to Rs. 11,999/- for loan amount from Rs. 25,00,000 to Rs. 29,99,999 Up to Rs. 12,999/- for loan amount of Rs. 30,00,000 and above All the Flexi charges above are inclusive of applicable taxes Loan amount includes approved loan amount, insurance premium, and VAS charges.
Bounce charges	Rs. 700 - Rs. 1,200 per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason
Pre-payment charges	Full Prepayment Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment. Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as of the date of full prepayment. Part-prepayment Term Loan: Up to 4.72% (inclusive of applicable taxes) of the principal amount of the loan prepaid on the date of such part-prepayment. Not Applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid. *Foreclosure will be processed post clearance of first EMI
Penal charge	Delay in payment of instalment(s) shall attract Penal Charge of Rs. 8 - Rs. 12 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp duty (as per respective state)	Payable as per state laws and deducted upfront from loan amount.
Annual maintenance charges	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount during the initial tenure. Up to 0.295% (inclusive of applicable taxes) of total withdrawable amount during subsequent tenure.
Broken period interest / Pre-monthly Instalment interest	Method of recovery of "Broken Period Interest/Pre monthly instalment Interest" would be as follows: EMI Date : 2nd Scenario 1: If Loan is disbursed on 1st or post 10th of the month: For Term Loan: BPI amount will be capitalised, i.e added to Principal amount on Due date / Deducted from disbursement For Flexi Loans: BPI amount will be capitalised, i.e added to Principal amount on Due date / Added to first instalment Scenario 2: If Loan is disbursed between 3rd and 10th of the month: First instalment will consist of interest for actual number of days EMI Date : 7th Scenario 1: If Loan is disbursed on 1st to 6th or post 10th of the month: For Term Loan: BPI amount will be capitalised, i.e added to Principal amount on Due date / Deducted from disbursement For Flexi Loans: BPI amount will be capitalised, i.e added to Principal amount on Due date / Added to first instalment Scenario 2: If Loan is disbursed between 7th and 10th of the month: First instalment will consist of interest for actual number of day

Note: Additional cess if any, will be applicable to all charges according to state law.

*Terms and conditions apply.

How to apply for a Personal loan in Bangalore, Karnataka?

Step-by-step guide to apply for a personal loan

Click on ‘APPLY’ at the top of this page to open our online personal loan application form.
Enter your 10-digit mobile number and the OTP sent to your phone.
Fill in the application form with your basic loan details, such as your full name, PAN, date of birth, and PIN code.
Now, click on PROCEED’ to visit the loan selection page.
Enter the loan amount that you need.
Choose the repayment tenure – you can select tenure options of 12 months to 96 months and click on ‘PROCEED’.
Complete your KYC and submit your application.

Our representative will guide you on the next steps. The loan amount will be transferred to your bank account on the successful verification of your documents

Conclusion

In conclusion, a personal loan in Bangalore is a convenient and flexible financial solution for various needs. Whether you need funds for education, medical expenses, or home renovations, there are options available to suit your requirements. Even if you have a low credit score, you can still avail of a personal loan for low CIBIL score in Bangalore. By meeting the eligibility criteria and providing the necessary documents, you can secure a loan with ease.