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Bajaj Finserv in your state

Gujarat is one of the most developed and industrialised states situated on the western coast of India. This state contributes significantly to the overall growth of the country.

The residents of Gujarat can now opt for a personal loan from Bajaj Finserv for additional funds. Visit our nearest branch in your city or apply online for instant funds.

Features of personal loan in Gujarat

  • Money in the account within 24 hours*

    Money in the account within 24 hours*

    Apply for an online personal loan and get the amount credited in the account within 24 hours* of approval.

  • Collateral-free loan

    Collateral-free loan

    Bajaj Finserv Personal Loan is unsecured credit, and you do not need to keep any security.

  • Pre-approved offers

    Pre-approved offers

    Avail of a pre-approved personal loan and speed up the loan processing. Check personal loan eligibility criteria beforehand.

  • Instant approval

    Instant approval

    Meet the simple eligibility and basic documentation for fast approval on loan.
  • Flexibility in repayment

    Flexibility in repayment

    Choose a tenor from 12 months to 96 months and use a personal loan EMI calculator for better estimation.

  • Funds up to Rs. 55 lakh

    Funds up to Rs. 55 lakh

    With proper eligibility, opt for a personal loan of up to Rs. 55 lakh with easy repayment options.

  • Complete transparency

    Complete transparency

    Qualify for a 100% transparent personal loan from us with borrower-friendly terms and conditions.
  • Minimal documentation

    Minimal documentation

    You only have to submit a few necessary documents to be eligible for a personal loan from Bajaj Finserv.
  • Manage loan online

    Manage loan online

    Monitor your loan details easily with our online account management facility 24/7.

  • Flexi loan facility

    Flexi loan facility

    Pay reduced EMIs up to 45%* with our Flexi loan facility. Ensure interest payment only on the fund withdrawn.

Gujarat is one of the fastest-growing states of Western India. This place is of great historical and cultural importance. Besides, the industries also developed rapidly in this state. The cities like Surat, Ahmedabad, Gandhinagar, etc., are some of the most urbanised regions of this state.

Individuals looking for financial support in Gujarat can now opt for a personal loan from Bajaj Finserv. Apply for instant personal finance and use it for any expenses. Use a store locator to reach the nearest branch.

Alternatively, apply online today for instant approval for a Bajaj Finserv Personal Loan.

*Conditions apply

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Eligibility criteria

Get funds up to Rs. 55 lakh by fulfilling the eligibility criteria mentioned below.

  • 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

Fulfil these parameters mentioned above and get the most of the funds possible. Submit the online form alongside for instant approval.

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Interest rate and charges

A personal loan from Bajaj Finserv is easy to avail of due to flexible repayment options. Check the interest rates and related charges now for better management of finances.

Current Interest Rate on Personal Loans

Use the interest calculator to get accurate repayment details based on the latest rates for a wedding loan. It helps you plan better and manage your loan effortlessly for your special day.

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 above Flexi facility charges 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
Principal Holiday Facility Fees
  • Up to Rs.1999/- for loan amount less than Rs.2,00,000
  • Up to Rs.3999/- for loan amount from Rs. 200000 to Rs.399999
  • Up to Rs.5999/- for loan amount from Rs. 400000 to Rs.599999
  • Up to Rs.7,999/- for loan amount from Rs. 600000 to Rs.999999
  • Up to Rs.8,999/- for loan amount from Rs.10,00,000 to Rs. 1499999
  • Up to Rs. 9999/- for loan amount from Rs. 15,00,000 to Rs.19,99999
  • Up to Rs.10,999/- for loan amount from RS. 20,00,000 to RS.2499999
  • Up to Rs.11,999/- for loan amount from RS.25,00,000 to RS. 29,99999
  • Up to Rs. 12,999/- for loan amount of Rs.30,00,000 and above

Above charges are inclusive of applicable taxes & will be deducted upfront from loan amount

*(Loan amount includes approved loan amount, Insurance Premium & VAS Charges)

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

*Terms and conditions apply.

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