Instant personal loan in Surat

Surat, a major commercial hub in South Gujarat, is renowned for its thriving textile and diamond industries. Nestled at the mouth of the Tapti River, it is among the largest urban centres in western India, housing top engineering firms like Reliance Industries and Larsen & Toubro.

Bajaj Finserv offers personal loans in Surat with attractive interest rates and transparent terms. Whether you need funds for emergencies or planned expenses, these unsecured loans come with flexible repayment options and minimal charges. Visit a nearby branch for expert assistance or apply online for a hassle-free experience. Manage your loan easily via the My Account portal or the mobile app for seamless payments and real-time updates

Features and benefits of personal loan in Surat

  • 24x7 account management

    24x7 account management

    It’s easy to track all loan details, including EMI dates, outstanding balance, tenor, etc., through our customer portal - My Account.

  • Additional perks

    Additional perks

    Seek a personal loan for a marriage and various other purposes. Avail of a personal loan in Ahmedabad for similar benefits.

  • High-value financing

    High-value financing

    Qualified borrowers can apply for funds of up to Rs. 55 lakh and meet their multiple needs effortlessly.

  • Immediate approval

    Immediate approval

    Receive approval on your loan information immediately after submitting the online application form.

*Conditions apply

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Eligibility criteria for personal loan in Surat

Meeting the eligibility criteria is essential for a smooth personal loan approval process. Use our personal loan eligibility calculator to check your eligibility instantly. Ensure you have KYC documents, bank statements, salary slips, an employee ID card, and a passport-sized photograph for hassle-free processing.

  • 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*

  • Income

    Income

    Minimum salary requirement is Rs. 28,000 per month. Refer to our eligibility page for other details

Documents required to get personal loan in Surat

To avail of a personal loan in Surat, applicants must submit essential documents to ensure hassle-free approval. Knowing the personal loan document requirements in advance helps streamline the process. Here’s what you’ll need:

  • KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
  • PAN card
  • Employee ID card
  • Salary slips of the last 3 months
  • Bank account statements of the previous 3 months
  • Piped gas bill
  • Pension order
  • Letter of Allotment of Accommodation Issued by Employer
  • Property / Municipal tax receipt
  • Utility bill
  • Real-time image / photograph
  • Ration card

*You should be 80 years* or younger, at the end of the loan tenure.

Current interest rates on personal loans

Understanding the personal loan rate of interest in Surat helps borrowers make well-informed financial decisions. Interest rates vary based on factors like credit score, income, and loan tenure. Bajaj Finserv offers competitive rates to ensure affordable borrowing. Check the latest interest rates and charges below:

Loan Details

Rates & Charges

Interest rate

Starting from 10% p.a.

Processing fee

Up to 3.93% of the loan amount

Tenure

12 months to 96 months

Late payment fee

As per lender's policy


Compare rates carefully to choose the best loan offer that suits your needs.

Uses of Personal Loans in Surat

A personal loan provides financial support for various purposes:

With quick approvals, minimal paperwork, and flexible repayment options, personal loans ensure financial convenience for planned and unexpected expenses.

How to apply for a personal loan in Surat

To apply for a personal loan in Surat, follow these simple steps for a hassle-free process:

  1. Click on ‘APPLY’ at the top of this page to open our online personal loan application form.
  2. Enter your 10-digit mobile number and the OTP sent to your phone.
  3. Fill in the application form with your basic loan details, such as your full name, PAN, date of birth, and PIN code.
  4. Now, click on ‘PROCEED’ to visit the loan selection page.
  5. Enter the loan amount that you need. Choose from our three personal loan variants –Term, Flexi Term, and Flexi Hybrid.
  6. Choose the repayment tenure – you can select tenure options of 12 months to 96 months and click on ‘PROCEED’.
  7. 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

Our Personal Loan branches in Surat

FAQs

Who can avail of a Personal Loan in Surat?

Salaried and self-employed individuals who meet the lender’s eligibility criteria can apply for a personal loan in Surat.

What documents are required to avail of a Personal Loan in Surat?

You need certain documents to apply for a personal loan in Surat. Kindly check personal loan eligibility and documents for more details.

What is the maximum age to avail of a personal loan in Surat?

The maximum age limit is usually 80 years* for salaried individuals and self-employed applicants, depending on the lender.

Where can I find a Personal Loan agent in Surat?

You can visit the nearest Bajaj Finserv branch in Surat or apply online for a hassle-free loan experience without an agent.

How much can I borrow with a personal loan in Surat?

Eligible applicants can borrow up to Rs. 55 lakh, depending on their income, credit score, and lender’s policies.

How can I calculate EMI for a Personal Loan online?

Use the Personal Loan EMI Calculator to check your monthly instalments based on the loan amount, tenure, and interest rate.

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