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Bajaj Finserv in Thane

Located in Maharashtra on the outskirts of Mumbai, Thane is a significant base for the industry as well as agriculture. It is called the City of Lakes for its numerous water bodies.

A Bajaj Finserv Personal Loan in Thane is designed to provide multiple features and benefits. Walk into our Thane branch for more information. Alternatively, get quick financial solutions online.

Features and benefits of personal loan in Thane

  • High Loan Amount

    High loan amount

    Get a loan of up to Rs. 55 lakh and use the funds without any restriction.

  • Instant approvals

    Instant approvals

    Fill and submit our online application form to receive approval instantly.

  • Pre-approved offers

    Pre-approved offers

    Personalised pre-approved offers make the loan-availing process simple and quick.

  • Add-ons

    Add-ons

    All these benefits are also available on personal loans in Mumbai.

  • Online account management

    Online account management

    Get access to all your loan information and facilities using the online account management facility.

Thane’s agricultural sector generates revenue by cultivating moong, horse gram, rice, finger millet and other crops. The Thane district is the third most industrialised district in Maharashtra and has more than 18,000 small scale and around 1,500+ large and medium scale industries. Thane city is also home to several educational institutes of repute.

Whether you are looking to pay for your children’s higher education or invest in home renovation, a Bajaj Finserv Personal Loan is an ideal financing tool. The versatile product can be used for multiple purposes without any end-use restriction. Get a cost-effective loan at reasonable rates of interest and with nominal associated charges. Be assured of no hidden rates, owing to our transparent terms and conditions.

*Conditions apply

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Eligibility criteria

Borrowers in Thane can easily qualify for credit with our easy-to-meet personal loan eligibility criteria.

  • Nationality

    Nationality

    Indian, resident of India

  • Employment

    Employment

    Must be a salaried employee at a reputed MNC or a private/public limited company

  • Credit score

    Credit score

    Above 685

  • Age

    Age

    Between 21 years to 80 years*. 80 years* or younger, at the end of the loan tenure.

  • Income

    Income

    Refer to our city list for minimum salary requirements

Employed individuals with job stability have higher chances of enjoying better features as they possess a more robust repayment capability. Bajaj Finserv credits the money directly to the borrower’s account. Complete the procedure by submitting the minimum documents needed.

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Fees and charges

Bajaj Finserv offers credit at competitive personal loan interest rates in Thane.

Current Interest Rate on Personal Loans

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.

Our Personal Loan branches in Thane

Personal loan in Bhiwandi, Thane

Personal loan in Dahanu, Thane

Personal loan in Temghar, Thane

 

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