Wedding is a grand festive occasion in every family which comes once in a lifetime. Whether it is your wedding or the wedding of your daughter, son or a distant relative, it brings a gamut of emotions right from celebrations, talking to sharing and caring, snoring and adoring, altogether.
The two souls coming from different family backgrounds commit to a long-life affair where they promise to maintain the sanctity of their marriage happily throughout their lives. Everybody wants to marry in a splendid affair where the memories get last until lifetime.This is why for making the weddings a lavish affair, Bajaj Personal loan is designed to fulfill your purpose of getting quick cash availability within instant online approvals.
The wedding loans are offered through fast disbursals, with low interest rate in order to ensure the coverage of your expenses happen no later than that.
Here are the unique advantages of Bajaj Finserv Personal Loan for the wedding :
Get Instant Approvals-
As when the need for financing arises, the quicker will be your loan processing. Choosing the marriage loan from Bajaj Finserv will not only approve your loan within 5 minutes flat but the loan disbursal gets done in your bank within 3 days as well.
Obtain Funds within 72 hours-
As a standard practice, the bank ensures that you have your funds within 72 hours after the approval of your loan.
Loans upto ₹ 25 lakhs-
The limits are set at higher levels by the bank in order to cover your end-to-end expenses for wedding purposes. You can apply for Bajaj Finserv Wedding loan upto ₹ 25 lakhs and repay it at your convenience by choosing the tenures ranging from 24 to 60 months.
Preapproved offers-
If you are an existing customer of Bajaj Finance, you will be eligible to get exclusive pre-approved offers for a Personal loan with the company.
Online Accessibility-
Once the amount of Personal loan gets transferred in your bank account, you may start getting all the information related to Personal Loans like payment schedule, interest certificate, repayment track and key information associated with your loans though the medium of digital customer portal.
Bajaj Finance Personal Loan Interest Rate-
The personal loan offered by Bajaj Finance is based on your credit history, salary, and your borrowed amount. The lowest Personal loan interest rate starts from 12.75% p.a. for loans upto ₹ 25 lakhs.The additional fees are also applicable on your personal loan which are known as processing fees, EMI bounce charges, penal interest and security fee (only for online).
- The processing fee charges : 2.25% - 3% of the loan amount
- EMI bounce charges : ₹ 1,000 for every bounce
- Penal interest : 2.00% p.m
- Security fee only for online : ₹ 999/-
- The foreclosure charges greater than 1 month : 4% plus applicable taxes on principal outstanding
- The part-prepayment charges greater than 1 month : 2% plus applicable taxes on part payment amount paid
- The annual maintenance charges applicable on the following basis:
Line of Credit: 0.25% on sanctioned amount
Flexi Loan: 0.25% on Flexi Dropline limit
Personal Line: 0.25% on Flexi Dropline limit
Bajaj Personal Loan Eligibility-
Bajaj Personal loans designed for wedding purposes are specially meant for salaried professionals for which the basic eligibility parameters you need to provide for:
- The age limit should be in the range of 25-53 years.
- Your need to be a salaried employee by profession.
- Your net monthly income should be based upon the location of your residence or employer allotted residential houses:
- The minimum net salary need to be ₹ 40,000 per month for cities such as Ahmedabad, Bangalore, Chennai, Coimbatore, Delhi, Faridabad, Ghaziabad, Gurgaon, Hyderabad, Kolkata, Mumbai, Noida, Pune, Surat, Thane
- The minimum net salary needs to be ₹ 35,000 per month for cities such as Chandigarh, Cochin, Jaipur, Nagpur
- The minimum net salary need to be ₹ 30,000 per month for cities such as Aurangabad, Baroda, Bhubaneswar, Indore, Madurai, Mysore, Nasik, Trivandrum, Vijayawada, Vizag.
Documents Required for Bajaj Personal Loan-
1. KYC Documents:
- Identity proof(Any one of the below)
- Passport / Voters ID card / Driving license / PAN card
- Address proof(Any one of the below)
- Passport / Driving license / Ration card / Latest mobile bill / Letter from employer (with HR / Admin sign)
2. Salary slips of the last 2 months
3. Salary account bank statement of the last 3 months
4. Employee ID card to furnish as employment proof
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