Bajaj Finserv Personal Loan Kaise Le: Features, Eligibility, Apply Process In 2024

Bajaj Finserv Personal Loan

Bajaj Finserv Personal Loan un logon ke liye ek best option hai jahan se aapko personal loan bahut hi jaldi mil sakta hai ya fir jo apne financial goals ko asaani se achieve karna chahte hain. Chahe aapko wedding expenses manage karne ho, education ke liye fund chahiye ho ya phir emergency ke waqt paiso ki zaroorat ho, Bajaj Finserv aapko bina kisi mushkil ke loan provide kar sakta hai. Aayiye jaante hain iske kuch khas features aur benefits:

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Aapko Bajaj Finserv Personal Loan se loan kaise mil sakta hai? Yeh loan kitne interest par mil sakta hai? Bajaj Finserv Personal Loan se loan kitne samay ke liye milega? Yeh sab jaankari aaj ki is post mein hum aapko denge, toh aap is post ko akhir tak zaroor padhein.

Bajaj Finserv Personal Loan Benefits

1. Loan Amount aur Flexible Repayment Options

Bajaj Finserv aapko ₹20,000 se lekar ₹40 lakh tak ka loan provide karta hai. Iske saath hi, aap apne repayment tenure ko 12 mahine se 96 mahine tak customize kar sakte hain, taaki aap par kisi bhi tareeke ka financial burden na aaye.

2. Quick Disbursal aur Hassle-Free Process

Bajaj Finserv ke saath personal loan lene ka process kaafi asaan hai. Agar aapka loan approved hota hai, toh paisa aapke account mein within 24 hours transfer ho jata hai. Iska online application process bhi bahut easy aur hassle-free hai, jo aap apne ghar baithe-baithe complete kar sakte hain.

3. Minimal Documentation Required

Bajaj Finserv Personal Loan ke liye minimal documents chahiye hote hain, jaise ki identity proof, address proof aur income proof. Iska matlab ye hai ki aapka loan jaldi aur asaani se approve ho jata hai.

4. Attractive Interest Rates

Bajaj Finserv aapko kaafi competitive interest rates offer karta hai jo aapki eligibility aur credit score par depend karta hai. Yha se aapko 11% – 32% ke bich mein interest rate par loan mil sakta hai. Achhe credit score wale customers ko low-interest rates mil sakte hain, jo isse aur bhi affordable banata hai.

5. No Collateral Required

Ye ek unsecured loan hai, toh iske liye kisi bhi collateral ki zaroorat nahi hoti. Aap bina kisi property ya security ko girwi rakhe loan le sakte hain.

6. Pre-Approved Offers

Bajaj Finserv ke kuch customers ke liye pre-approved loan offers bhi hote hain. Agar aap inke existing customer hain, toh aapko aur bhi fast approval aur processing ka fayda mil sakta hai.

Bajaj Finserv Personal Loan Loan Amount

Agar aap Bajaj Finserv Personal Loan se loan lena chahte hain toh aap ₹20,000 se lekar ₹40 Lakh tak ka loan le sakte hain, jo aapki credit profile aur eligibility par depend karta hai.

Bajaj Finserv Personal Loan Interest Rate

Bajaj Finserv Personal Loan aapko 11% – 32% ke interest rate se loan dena shuru karta hai. Aapko kitni interest rate par loan milega ye is baat par depend karega ki aapko loan kitne waqt ke liye kitni amount ka milega.

Bajaj Finserv Personal Loan Tenure Rate

Bajaj Finserv App mein aapko loan tenure 12 mahine se lekar 96 mahine tak mil sakta hai. Aap apni repayment ability ke hisaab se tenure select kar sakte hain.

Bajaj Finserv Personal Loan Processing Fees

Bajaj Finserv Personal Loan ke through loan lete waqt aapko processing fee 3.93% tak lag sakti hai jo loan amount par depend karti hai.

Bajaj Finserv Personal Loan Example

Agar aap ₹10,000 ka loan lete hain aur 1.5% per month ke hisaab se interest lagta hai, toh aapko tenure ke hisaab se repayment karna hoga. Agar yeh loan 3 mahine ke liye hai, toh aapko interest aur principal mila ke jo amount repay karna hoga woh ₹10,450 ke around ho sakta hai.

Bajaj Finserv Personal Loan Apply Process Online in 2024

Agar aap Bajaj Finserv se personal loan lena chahte hain, toh inke website ya fir loan application par diye gaye “Apply” button par click karke apne mobile number ke zariye login kar sakte hain.

Step 1: Personal Details Fill Karein

Login ke baad, aapko apni personal details bharni hoti hain, jaise aapka full name, gender, date of birth, PAN number, employment type, GST, pin code, aur city. Yeh saari details bharne ke baad, aapko “Continue” par click karna hai.

Step 2: Employment Details

Aapke employment type ke hisaab se, agar aap business karte hain toh business ki detail provide karni hogi; aur agar aap company mein kaam kar rahe hain, toh us company ke bare mein detail deni hoti hai. Business details mein aapko apne business ka naam, type, annual turnover, aur kab se aapka business chal raha hai, yeh sab batana hota hai. Saath hi, yahan par aapko yeh bhi mention karna hoga ki kya aapke upar pehle se koi EMI chal rahi hai ya nahi. FIR “Continue” par click karne ke baad, aapke account ka verification process shuru ho jaata hai.

Step 3: Income Verification

Income verify karne ke liye aapko apne bank ki statement upload karni hoti hai. Aap apna bank select karte hain aur net banking ki madad se apni income ko verify kar sakte hain.

Step 4: Office Address

Iske baad aapko apne office ka address provide karna hota hai.

Step 5: Loan Offers Aur Selection

Sari information verify karne ke baad, Bajaj Finserv aapko loan offers provide karta hai jo aapke profile ke hisaab se tailored hote hain. Aapko yahan teen tarah ke loan options milte hain: Flexi Hybrid Loan, Flexi Term Loan, aur Term Loan. Inmein se aap kisi bhi ek loan option ko select kar sakte hain. FIR aapke selected loan par lagne wale charges ki details display ki jaati hain.

Example: Agar aapko ₹8 lakh ka loan offer kiya gaya hai, toh processing fees ke saath ₹16,327 ka charge include kiya jaa sakta hai. Yeh charges deduct hone ke baad, aapke bank account mein ₹7,96,679 transfer kiye jayenge.

Step 6: KYC Verification

Aapko DigiLocker ki madad se apne Aadhaar Card ko verify karna hoga. Aadhar verification ke liye aap apna Aadhar number denge, jismein linked mobile number par OTP aata hai. OTP bharne ke baad, aapki KYC detail upload ho jaati hai. Fir aap father, mother, ya spouse ki detail fill karenge aur aapka KYC verification successful ho jayega.

Step 7: Bank Account Verification

Aapke bank account ki verification ke liye, aapke account mein ₹1 credit kiya jayega. Aapko wahi bank account add karna hoga jo loan applicant ke naam par hai. Jaise hi ₹1 account mein credit ho jaata hai, loan ki remaining amount bhi aapke bank account mein transfer kar di jaayegi.

Note: Agar loan amount zyada hai (₹8 lakh ya ₹5 lakh se upar), toh verification ke liye Bajaj Finserv aapke ghar par aake documents collect ya verify kar sakta hai.

Bajaj Finserv Personal Loan aapko flexible aur convenient option provide karta hai jab aapko financial help ki zaroorat ho. Iska quick disbursal aur minimal documentation ka process ise aur bhi convenient banata hai. Toh agar aapko financial support chahiye, toh Bajaj Finserv ke personal loan ko consider karna ek smart choice ho sakta hai.