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Bajaj Finserv Personal Loan in Kochi

Interest Rate starts from 12.75%

Bajaj Finserv Personal Loan Interest rates in Kochi

Please Find the Detailed Bajaj Finserv Personal Loan Interest Rates

30,000 To 75,00075000 Above
Salaried12.99%14.50%
Self Employed12.75%12.99%

Features of Bajaj Finserv Personal Loan Kochi

Type Features
Processing Fee1% - 3.0%
Pre Closure Charges4.0%
Part Payment ChargesAllowed
Min Tenure2 Years
Max Tenure4 Years
Min Age21 Years
Max Age55 Years
Min Loan AmountRs.50,000/-
Max Loan AmountRs.25,00,000/-
Min Monthly SalaryRs.30,000/-
Min Educational QualGraduation
Residence Years In City3 Years
Total Work Experiance1 Years

Bajaj Finserv Personal Loan Kochi Charges

Type Charges
E M I Bounce ChargesRs. 550/-
Duplicate Statement ChargesFree
Cheque Swapping ChargesRs. 500/-
Issue Amortization Schedule DuplicateFree
Default Interest Rate@24% P.A

Documentation For Personal Loan

  • Filled Application form
  • Identity Proof (PAN CARD)
  • Address Proof
  • Latest 3 months Payslips
  • Job Continuity Proof
  • 2 Passport Size colour Photographs
  • Co-Applicant identity proof, Address Proof
  • Co-Applicant relationship Proof and Photograph
  • 6 months Bank Statements
  • 3 Post Dated Cheques/ECS Mandate
  • Property Related documents
  • Filled Application form
  • Identity Proof
  • Address Proof
  • Last 2 years Income Tax Returns
  • Professional/Self employed existence proof for more than 3 years
  • 2 Passport Size colour Photographs
  • Co-Applicant identity proof, Address Proof
  • Co-Applicant relationship Proof and Photograph
  • 6 months Bank Statements
  • 3 Post Dated Cheques/ECS Mandate
  • Property Related documents
  • Passport
  • Driving License
  • PAN card
  • Photo credit card (with embossed Signature and last two months statement)
  • Banker's sign verification
  • PAN Card
  • Passport
  • License
  • School leaving certificate
  • Voter card
  • Birth Certificate
  • LIC policy (only for age Proof)
  • Latest salary slip
  • Current dated salary Certificate with latest form 16.
  • Latest year IT Returns with Tax Audit reports(For Self Employed applicants)
  • Latest salary slip
  • Current dated salary Certificate with latest form 16.
  • Latest year IT Returns with Tax Audit reports(For Self Employed applicants)
  • Form 16
  • Relieving letter
  • Appointment Letter (for last two months)
  • Last 6 months of VAT/Service Tax returns (For Self Employed Applicants)
  • Bank statements of latest 2 months
  • 3 months bank passbook

Bajaj Finserv Personal Loan FAQ's

What is a Personal Loan?

Personal loan, a loan to meet your current financial needs, is also referred to as an unsecured loan as there is no security against it. It is usually taken by borrowers who are looking for quick and easy loans with manageable interest rate and minimum documentation. You can use a personal loan as per your convenience without being monitored for the actual end usage.

What is the Eligibility for a Personal Loan?

Personal loan, a loan to meet your current financial needs, is also referred to as an unsecured loan as there is no security against it. It is usually taken by borrowers who are looking for quick and easy loans with manageable interest rate and minimum documentation. The primary Personal Loan eligibility criteria from is that you should be a salaried professional between 25-58 years of age.

What is Interest Rate for a Personal Loan?

Personal loan, is an unsecured loan as there is no security against it. offers personal loan interest rates based on your credit history, salary, the amount being borrowed. The lowest personal loan rate of interest starts from 16%. Additional fees such as Processing fee, EMI Bounce charges, Penal Interest and Secure Fee (only for online) would be charged.

How is Interest Calculated on a Personal Loan?

Personal loan interest rates are calculated based on your credit history, salary, the amount being borrowed, and other criteria. In case you have not defaulted on payments of an earlier loan and have paid all your bills on time, you will be viewed as a low-credit risk. The lowest personal loan rate of interest starts from 16%.

How to Calculate Foreclosure of a Loan?

The pre-closure of loan or the full repayment of the remaining loan amount in one single payment is termed as a Loan foreclosure. Use the foreclosure calculator, by selecting the number of EMIs that you have already paid and the month on which you want to foreclose your loan. This will help you calculate the foreclosure amount.

What are Foreclosure Charge?

The full repayment of the remaining loan amount in one single payment is termed as a Loan foreclosure. Bajaj Finserv does not charge any extra fees or penalties as loan foreclosure charges. Use the foreclosure calculator, to calculate your foreclosure amount.

How to Calculate EMI on Calculator?

"An EMI Calculator is very easy to use. All you need to do is enter the following information: • The Loan Amount • Tenor( In Months) • Rate Of Interest "

What is a Personal Loan EMI?

Personal Loan EMI is the monthly payments that you would need to make in order to repay your Personal Loan. In order to calculate your Personal Loan EMI amount you can use an EMI calculator.

What are the Documents Required for a Personal Loan?

Personal Loan has different set of documents, eligibility criteria and loan requirements. The primary eligibility criteria for Personal Loan from Bajaj Finserv is that you should be a salaried professional between 25-58 years of age. In order to read about documents that would be required as well as to check eligibility criteria for Personal Loan

How to Prepay a Personal Loan?

Bajaj Finserv gives you the option to prepay your personal loan’s EMIs up to 6 times in a calendar year at any interval as per your convenience. The minimum amount for each personal loan prepayment transaction should not be less than 3 EMIs. There is no maximum limit for repayment amount, subject to your clearing of your first EMI. Feel free to use our Personal Loan repayment calculator for more clarity.

What is Part Prepayment of a Loan?

If you have a large sum of money and you use it to repay your loan early, it would result in either a reduction of your EMI amount or reduction in tenure. Repaying your loan early is termed as personal loan pre-payment or part prepayment of loan. The pre-payment amount must be at least three times of your EMI amount. There is no maximum limit for repayment amount, subject to your clearing of your first EMI. Feel free to use our Personal Loan repayment calculator for more clarity.

What is the Letter of Continuity?

A letter of continuity is a legal document which is signed by the borrower before the loan amount is disbursed. This document is an acknowledgement of the borrower that the balance loan amount would continue until it is completely paid off.

How to check CIBIL score for Personal Loan?

"Before applying for a Personal Loan, you can check your CIBIL score by following these steps: • You can initiate the process by filing in a form on CIBIL’s official website • You have to fill in personal details like name, address, and contact number • If you want a CIBIL Transunion score and your CIR (credit information report), you need to pay a fee of Rs.550 • Once you’ve submitted the form and made the payment, your CIBIL score and report will be mailed to you You can also apply for your CIBIL score offline by mailing all your documents and a demand draft of Rs.550 to CIBIL’s office in Mumbai. "

Flexi Loans

Flexi loan account is an industry first facility extended by Bajaj Finserv. The advantage of the product is that you can pre-pay and drawdown money within the drop-line facility using a self-service process, which is easy and hassle-free. Once you avail the flexi facility, you stand to benefit by saving interest cost by pre-paying any additional / idle funds that you may have, without any interest being levied on the part-paid amount.

Benefits of Flexi loans

Flexi Loans offers many benefits over an existing term loan:

You have the flexibility to pre-pay the loan with idle funds at no extra cost

You can re-avail the pre-paid amount within the drop-line facility at any time within the loan tenor timeframe without any additional documentation.

You save on interest costs. Interest is payable only on the utilized loan amount. There is no interest levied on the pre-paid amount.

Seamless, easy, hassle-free online transactions on the customer portal, the self-service account access tool for drawdown and RTGS that allows you to make pre-payments to Bajaj Finserv Ltd. through net banking facility.

Other Bajaj Finserv Personal Loan Products

Wedding Loan

A Personal Loan for marriage, be it for self, siblings, son or daughter, is a great way to get quick cash and ensure you have all your expenses covered.

Here are the unique benefits of Bajaj Finserv Personal Loan for Wedding:

Instant approvals

In times of need, you’d want loan processing to be quick. Opting for a marriage loan from Bajaj Finserv will not only get you approval in 5 minutes flat but disbursal in your bank within 3 days as well.

Get funds in bank in 72 hours

As a standard practice, we make sure that funds are at your disposal within 72 hours of your loan approval.

Loans up to Rs.25 lakh

We’ve kept the limits high enough to cover end-to-end expenses for wedding needs. You can apply for a Wedding Loan online from Bajaj Finserv up to Rs. 25 lakh and repay it at your ease by opting for tenures ranging from 24 to 60 months.

Other Bajaj Finserv Personal Loan Products

Travel Loans

What is it about travelling that you just can’t resist? Some do it for the memories, some for the adventure, sometimes you want to slow down from your fast paced life or maybe just get to know yourself better. To travel is to live. Don’t you agree?

But travelling needs time and most importantly money. While the 1st part is in your hands, with Bajaj Finserv vacation loans you need not worry anymore about the expenses of your trip. We bring to you a Travel Loan with the quickest approvals, fastest disbursals, lowest interest rate and the complete process available online.

A Personal Loan for travel, be it for self or family, is a great way to get quick cash and ensure you have all your expenses covered

Other Bajaj Finserv Personal Loan Products

Personal Line of Credit

With Line of Credit, you can pay only the “interest” on the amount utilised. This reduces your monthly cash flow. The principal can be repaid anytime during the term or at the end of the loan term. After a 12-month period, you can renew for an additional term.

Benefits:

You have the flexibility to pre-pay the loan with idle funds at no extra cost

You can re-avail the pre-paid amount within the drop-line facility at any time within the loan tenor timeframe without any additional documentation.

You save on interest costs. Interest is payable only on the utilized loan amount. There is no interest levied on the pre-paid amount.

Seamless, easy, hassle-free online transactions on the customer portal, the self-service account access tool for drawdown and RTGS that allows you to make pre-payments to Bajaj Finserv Ltd. through net banking facility.

Other Bajaj Finserv Personal Loan Products

About Bajaj Finserv

Bajaj Finserv, a part of Bajaj Holdings & Investments Limited, is an Indian financial services company focused on lending, asset management, wealth management and insurance. The company through its joint ventures and subsidiaries employs over 20,000 employees and has established a nationwide presence across over 1400 locations.

The company is currently engaged in consumer finance businesses, life insurance, and general insurance and has plans to expand its business by offering a wide array of financial products and services in India. Apart from financial services, Bajaj Finserv is also active in wind–energy generation.

Bajaj Finserv Highlights

Ranked amongst the top 25 best places to work in Asia by the Great Place to Work (GPTW) Institute
10 Best Multinational Workplaces in Asia 2015
Best Small & Medium-sized Workplaces in Asia 2015 (50-500 Employees)
25 Best Workplaces in Asia 2015 (500 + Employees)
Awarded in the category of 25 Best Workplaces in Asia 2015 (500 + Employees)
Won the CIO 100 Innovation award for two products - EMI Card and Flexisaver.

Personal Loan Can Be Used For Many Purposes Like Below

Higher Education

Marriage

Vacations

Festivals

Medical Emergency

Home Renovation

Consumer Goods

School Fees

Why to Avail Personal Loans?

Multi-purpose loan
No security or Collateral free 
Fixed rate of Interest
Flexible tenures from 6 months up to 60 months based on the profile of the customer.
Quick processing and recommendable in emergency
Loan payable (Repayment) in easy installments
Repayment through ECS / Auto-debit / PDC
Applicable charges- Processing fee, Pre payment charges and delay charges
No part payments allowed
Online application with less paper work.
Credit score can be improved on complete payment without any delays
Age limits - min 18 years to max 55 years
Online application with less paper work.
Min loan amount 50,000
Max loan amount up to 20,00,000

Expert Advice

Best Practices for Personal Loan

Clear Identification of purpose and planned Budget.
Cost - benefit analysis
Peer comparison- ROI, PF and other charges and repayment tenor (shop around)
Know your credit history score and eligibility
Plan the repayment from the regular incomes than from futuristic/speculative income.
Check various other alternatives before availing a personal loan.n
Be clear on payment date and mode of payment like ECS, Online payments, Post dated cheques.
Terms and conditions to be clearly understood before signing up the agreement.
Take payment protection insurance
Ensure proper updation of contact details.

Things not to do for Personal Loan

Do not jump to apply a loan do the necessary homework
Do not borrow more than what is required.
Do not apply loan at too many places at a time.
Do not sign personal loans for others
Do not sign the terms and conditions without reading
Do not rush with the process.

Factors that affect interest rates on Personal Loan

Banks charge a different rate of interest depending on a whole host of factors. The interest rate can broadly vary between 14 - 24%. We take you through three such individual details that can affect the rate of interest charged by the bank.

1) Credit/CIBIL History:-
 If you have good credit/CIBIL record then banks will definitely award you with a better rate of interest. This means that if you have taken a loan previously and managed to pay it off without defaulting then you will have a high credit/CIBIL score. Apart from the loan the banks also take into account payment of your credit card bill record.
2) Nature of Employment:-:-
The nature of your job also plays a crucial role in determining the interest rate. Banks have different checks in place if you are a salaried individual vis-à-vis a self employed person. So if you are working with a reputed organization then banks will be able to extend a cheaper rate of interest. But if you are working with an organization that is not very well known then a higher rate will be charged. In case you have your own business then banks will give you a loan even if you are in an advanced age. On the other hand in case you are a salaried employee then a loan will not be extended if you are nearing the age of retirement.
3) Bank-Customer relationship:-:-
If you approach the bank where you already have a bank account and you are a valued customer then banks may give you certain leeway. This mean you can negotiate with the bank for a cheaper interest rate. Most banks agree to give a concession of 0.5-1% on the interest rate. So next time you go around shopping for a personal loan, remember that these three points will affect the amount that the bank sanctions and the interest rate that it is levied. In the next article we will cover more points that affect interest rates on personal loan. So stay tuned!

Personal Loan Advantages and Disadvantages

Personal Loan Advantages:

A) Easy availability:
 A lot of banks offer personal loans of various amounts and durations. You can pick and choose between them.
B) No collateral:
Personal loans are not very large amounts. They rarely exceed Rs. 4 lakhs. So there is no need to put up security or collateral against personal loan.
C) No criteria:
You can opt for a personal loan without having to explain to the bank why you need it. You can take a personal loan for any purpose including travelling, home repairs, medical emergencies.
D) Quickly available:
If you have a relationship with a bank you can get a personal loansanctioned within 24 hours. Personal loans also require very little paperwork.
E) Improves credit history:
If you regularly pay your EMIs on time then personal loans are a great way to improve your credit record. An improved CIBIL credit record can be very beneficial when you are looking for a new loan.

Personal Loans Disadvantages:

A) High interest rates:
 After credit cards, personal loans have the highest interest rates among credit products. Sometimes personal loans have higher rates than credit cards also.
B) High pre-payment penalty:
If you pre-pay your personal loans, banks often charge a high penalty.
C) Need good credit history:
Today, most banks give personal loans only to people with a good credit history. If someone regularly takes personal loans, he may be seen as someone who is not careful with his finances.
D) Affects credit report: 
If you default on your personal loan your CIBIL credit report reflects it and your credit rating and credit score are affected.
E) Bad image:
If banks access your CIBIL credit report and see a large number of personal loans, you are seen as someone who constantly needs money and who is indiscipline.

10 Things to Keep in Mind While Taking a Personal Loan

A personal loan must be taken only for emergencies. These include medical emergencies, urgent repairs to your home or if you need to cover up a shortfall in an education loan or any other emergency needs.
Loans must not be taken for holidays, investing in stocks, buying expensive gadgets etc.
The amount you pay for a personal loanshould ideally not be more than 25 percent of your salary every month.
Flexible tenures from 6 months up to 60 months based on the profile of the customer.
Do your research before applying to a bank for a personal loan. Lots of banks have different rates of interest for different loans. (Check here)
Don't choose a flat rate of interest. Always choose an option that calculates interest on the reducing balance method.
Bargain with banks so that they don't charge you a pre-payment penalty charge.
Try and keep the loan term short, preferably 1-3 years.
Do not take too many personal loans as it reflects on your credit history.
Banks may tell you that you have been pre-approved for a personal loan and that you can get the loan cheaper than other customers. Check for it.
If you have a very large credit card debt (interest on credit cards is usually between 25%-30% percent for a month), you can take a personal loan to pay that off (interest on personal loans is between 13% -17% for a month).

Personal Loans Precautions

1. Clear Identification of purpose and planned Budget:  

One should have a clear identification of purpose of availing personal loan. Never opt for a personal loan only just because you can. Going for personal loan is a wise decision only in case of emergency and where the purpose is unavoidable. Apart from the purpose one has to also plan and budget the total requirement well in advance before applying for a personal loan.
Borrowing more than what is required leads to unnecessary debt. In certain instances borrowing far less than required amount may result in not serving the purpose. Therefore one has to make complete budget of the purpose and plan his / her borrowings accordingly. It is always to be noted that money one's spent is lost forever and unnecessary debt can lead to financial stress.

2. Understand the need Vs personal Loan:

Before opting for a personal loan one has make cost – benefit analysis of various kind of other loans which customer can get in the market. In case of emergency and unavoidable situations you can go for personal loan but where the purpose is to improve the life – like buying a fuel efficient car customer has to analyze the cost and benefits involved in the long run. In this scenario it is to be understood that in long run the benefits from purchase of new fuel efficient car should be greater than the interest charges and other costs involved in availing personal loan.

3. Check for Better rate:

Before availing a personal loan from any particular Bank/ NBFC customer has to compare interest payable and other charges to know the best annual percentage rates available in the market. Though the customer has a pre approved personal loan at a concessional rate with a particular Bank, he/ she might get the loan at a comparatively still lower rates with others. Therefore it is always better to check with 3-4 Banks before making the mindset to proceed with any one in particular. ApnaLoanBazaar will always provide the industry best rates, which are available in the Indian market. Check for Personal Loan Interest rates with ApnaLoanbazaar

Also the repayment tenure is other point to be noted before taking a loan. Eg: Some Bank's may offer maximum repayment tenor of 36 months whereas some others may offer maximum up to 60 months. Customer has to decide the repayments based on his income in consideration of his / her other obligations.

4. Credit scoring & Eligibility Criteria: 

Personal loans best feature is collateral free and quick loan process, Hence Bank/NBFC will carefully analysis of your credit history. Customers with good credit history score will have high bargaining power. Customers with moderate / Low credit history may end up taking loans at higher rate of interest and Banks will have advantage of it. Customers have to ensure that they do not have any overdue while going for a personal loan. It is advisable to clear the credit card outstanding and other loan overdue before going for a personal loan as it improves credit worthiness. It is to be noted that not only income of the customer but Leverage is considered for arriving the limits. Generally Bank/NBFC prefer the credit score is above 730 for funding the personal Loan.

ApnaLoanBazaar will help you to know your CIBIL(Credit) Score: Know your Credit Score here

5. Plan the repayment from the regular:

Customer has to be aware of repayment tenor, monthly repayment date, mode of payment and installment amount. Repayment tenor to be planned based on the income and obligations. Over burden of EMI may result in delay and sometimes even default of the loan amount. Customer shall not forget the repayment date and maintain sufficient balances in the account for meeting the EMIs. Payment of EMIs by way of ECS through account is preferable to avoid unintentional delays. Even online payment from account is a suggestible mode of payment. In case of salaried employees it is better to opt the monthly repayment date to be within first week of the month. In case of entrepreneurs/ Businessmen the EMIs are to be planned from their regular income than depending on some other futuristic/speculative sources.

6. Terms & Conditions:

All the terms and conditions to be read carefully, before sign the loan agreement. Terms in smaller font to be observe carefully. Payment terms to be noted and have to maintain sufficient balance in the account for meeting the EMIs. Check the correctness of the updated personal details. Mobile alerts, Email alerts will remind the due date of payment and confirm the receipt of amount. In his/ her busy schedule customer may forget the due date whereas these alerts will remind them and help in making the payments on time.

Other Important Points to be noted:

In general the larger the loan amount the lower the interest rate. In some instances you may save on borrowing slightly higher. Plan accordingly.
Do not make late payments; there is risk of delay charges and increase in annual rate. This will also affect your credit history.
Co-signing of any other individuals’ personal loan to be done with extreme caution because any default by them will affect your credit history.
Good payment track will improve the credit history and make you eligible for additional loans with lower interest rate benefits.

About Kochi

Kochi formerly known as Cochin, this is one of the major port cities located on the West Indian coastal areas. This city of the Ernakulam district of the state of Kerala is situated by the side of the Arabian Sea. Thus, this city is often referred as Ernakulam as well. This 2nd biggest city of Kerala is considered to be the first ranked city in the state for attracting national as well as international tourists. This vibrant city is known for providing breathtakingly scenic view of the Kerala state. Apart from that, this city is the industrial and commercial capital of this state of south India.

The commercial capital and the most cosmopolitan city of Kerala, Kochi along with its mainland part, this was once a major centre of commerce and trade with the British, Arabs, Chinese, Portuguese and Dutch etc.Kochi is the most modern city of Kerala where the best shopping markets are located. From Cochin ships set sail for foreign ports with pepper, seafood, rubber and coir.The King of Cochin always remained only as the title head for it was always under the colonization of foreign invaders.

Places To Be Visited In Kochi

Bolghatty Island

    The calming, soothing sound of Athirappilly Falls is the sound that greets the visitor here. Plummeting down 80 feet to Chalakkudy River, the picturesque Athirapilly Falls in Thrissur district is a very famous and very busy tourism destination. Be ready for a mesmerizing spell, right here at the Sholayar forest range.

Chennamangalam

    About 4km from Parur,this place houses the oldest synagogue in Kerala. There is also a Jesuit Church and ruins of a Jesuit College . One can also walk to the Hindu Temple overlooking river Periyar, a 16th-century mosque, as well as burial grounds.

Coonan Kurishu Shrine

    Located in the heart of the busy Mattancherry is the Coonan Kurishu Shrine which was the venue for about 25,000 Syrian Christians who, in 1653, assembled at the ancient cross in Mattancherry and tied long ropes to it. Pulling the ropes they took a solemn oath that they would never obey the Latin Archbishops or be under the Jesuits.

Cherai Beach

    A lovely beach bordering Vypeen island off Cochin , Cherai beach is ideal for swimming. Dolphins are occasionally seen here. A typical Kerala village with paddy fields and coconut groves nearby is an added attraction.It is a popular tourist destination especially among foreigners.

Chottanikkara Temple

    Sri Chottanikkara Bhagvathy Temple is the abode of millions of devotees who come here with many woes and pains. The huge golden idol, bedecked with jewels, flowers and various adornments is a sight to behold. Be ready to feel the positive vibrations emanating from the temple and take part in the festivities and poojas(rituals) to remove any afflictions you are suffering from.

Dutch Cemetery

    Located a short distance from St. Francis Church, near the entrance to the beach, this cemetry is supposedly maintained by the CSI, but is very badly kept. It is of historical importance, having many famous persons buried here. Most of the grave stones have been removed, but the few that are here are in fairly good condition.However because of the overgrowth of plants and shrubs, it takes a bit of real exploring to discover whose grave stone is whose.

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