Bajaj Finance Personal Loan 2025 ¦ Bajaj Finserv Personal Loan Kise Le ¦ Bajaj Finance Loan Kise Le

Friends, in today's video, we will learn how to apply for a personal loan from Bajaj Finance in a new way in 2025. Friends, before applying for a personal loan, I would like to tell you a few things that will be very useful to you. First of all, this video is not a sponsored video. You all keep getting some comments in a lot of videos. Some of those comments were that you tell us how we can apply for a personal loan from Bajaj Finance. So that's why I'm making this video. Secondly, friends, it is very important for you to know that whenever you apply for a personal loan, you always have to apply for a loan from the same application that is approved by RBF, that is, the Reserve Bank of India, which is 100% approved here. You have to apply for a loan using the same application. Because guys, it has been seen here that there are a lot of third parties in the market. There are also third-party companies that give you a loan, but they take the access to your contact, your gallery, and then they start harassing your relatives. So don't ever make such a mistake. Apart from this, you have to keep in mind that you can always apply for a loan through a bank or a non-banking finance company, which is a very good company. There are many such companies in the market that are approved by RBF and Bajaj Finance is one of them. Apart from this, friends, I would like to tell you the fourth important thing that whenever you apply for a personal loan, you should apply for a loan as less as possible because you get a lot of interest here. Whenever you apply for a personal loan, any bank or any company there takes more interest from you. But guys, now you think that if your credit score is good, your civil score is very good, then you can go to the bank and apply for a loan once. If your civil score is good, then you will get a loan on a very low interest at a low interest rate. So for this, you have to go to the description of the video and I will give you the link to apply for a loan there. As soon as you click, the website of Bajaj Finance will open here and a personal loan is written here. If you come down, you will see that you can apply for a minimum loan of Rs 20,000 and a maximum loan of up to Rs 50,00,000. And here you also get a different time period like 12 months, 24 months, 36 months, there are a lot of multiple times. Now let's assume that you have to apply for a loan of any amount, you will ask for the permission of some location, you have to allow it. So whatever amount you have to take, you have to enter the amount here. So here I have written Rs 1,00,000 as an example. Now you can make an EMI of 12 months, 24 months, 36 months here according to you. The longer the amount, the longer the time you will get to pay the EMI here. Let's assume that you have to make an EMI of 3 years of 36 months, then you have to come down for the EMI of Rs 1,00,000 for 36 months. And it is clearly written here that you will get 11% interest every year for the loan amount you are taking. And if we talk in total, then we have to pay Rs 17,869 extra for Rs 1,00,000, which is of interest. Now the most amazing thing is that if you reduce this time, let's assume that you take it for 12 months, then your interest will also be reduced here. The less time period you will take for the EMI, the less interest you will have to pay. So you will try to select as little time as possible for you. Let's assume that I have to apply for a loan of 36 months, then the rest of the things have been given here. So now we have to apply, then simply click on the Apply option here. Now you have to enter your mobile number here, then click on the Get OTP box. Then you will get an OTP message on your number, you have to enter it and submit it, then you will be logged in here. Now you have to enter your full name in this box as per PAN card, whatever is your full name on the PAN card. Now guys, two options have been given here, one is Continue with Autofill, let's click here first and see. As soon as you click, your name, date of birth, all your personal details will be automatically filled here. So now let's go back and here we are back again. Now if we do Continue without Autofill, that is, we want to enter our details manually, then you have to do Continue without Autofill. Now guys, you have to fill up your details here, like what is your full name, then you are male, female, transgender in gender, whatever is your date of birth, you have to enter it and enter your PAN number here. After that, guys, here you have to select in Employment type that what do you do, so you will select, so there are two options here, one is Salary, if you do a job, then you will select Salary, if you do your own business, then you have to select Self-employed. After that, guys, you have to enter your GST number here, if you don't have a GST number, then you can leave it, there is no problem. After that, you have to enter the pin code number of your area and your city, enter the name of your city here, then tick the box below, accept the Terminal Conditions, continue, then guys, you have to fill up the Employment details here, like what is the name of your company, in which company you work, or if you have your own business, you will enter the name of your company. In the Company type, you will select whether you are in the Government sector, Manufacturing sector, Private sector, Public or Other, you select it according to you. After that, guys, here is the job profile, that is, whatever is your job post, Account Executive, Sales Executive, whatever it is, you will write, apart from that, if you want, you can also enter your office email id here, although there is no option here, you can leave it. Apart from this, it is being told that how many years of experience you have, so you can enter the number of years of experience here, and you can also enter the month here. Apart from this, you have to make the total Monthly Loan EMI 0 here and continue, after that, this page will open in front of you, now you have to verify your income here, because here you have to verify the bank account, so that it automatically takes your bank statement and your income returns are verified from there. So now you just have to continue here, now guys, this page will open in front of you, now you have to search your bank here, after that, guys, this page will open in front of you, so you will tick the box below, and here you will click on Get OTP, now an OTP will come on your number, fill in the one-time password and submit it, now guys, your bank account will be seen here, your last digit, and here you have to select the bank account, after that, guys, now you have to give your account consent here, so here you will click on Select All Consent Handle, after that, it will be selected here, after that, you will come down at the end, and here you will also tick, and after that, you will click on Give a Consent, once you want, you can also read it, after that, guys, here you have to fill up your office address, whatever is your office address, so here you have to fill up all your details, after that, you will continue here, and now you will see, here we have got an offer of 10 lakhs, which means we can apply for a loan of up to 10 lakhs, however, if you want to take less, then you will click on Added Details here, and here, whatever amount you want to take, you will enter the amount here, like now we want an amount of 1 lakh for personal loan, so here we will select, we have entered 1 lakh, now here, Select a Loan Tenure, which means you have to make an EMI for how many months, you have to select here, one is of 39 months, and the other is of 27 months, so whatever EMI you want to make, you have to select, after that, guys, here you are being told, what is the tenure, how much amount you have to pay every month, after that, you will click on Continue, now guys, here you will get a summary of the entire loan, like if you take a loan of 1 lakh, out of that, the processing fee is added here, 4,091 rupees, and guys, apart from this, here, Bajaj Alliance's Life Group, here, there is a complete policy of 4,199, so you will leave this, apart from this, by adding both, the amount of the loan and the processing fee, 1,04,091 rupees is being made, and guys, here, it is clearly being told, that here, broken period interest, that is, pre-EMI interest is being taken from you, of 898 rupees, this means that, let's say, we are applying for a loan, after that, what will happen, like tomorrow, day after tomorrow, the loan will be transferred to the bank account, so guys, whenever we have to give our first EMI, so the difference between that time and the money received in our account, we are getting the interest of 898 rupees, okay, so in total, here, 4,989 rupees is being made, and here, guys, the money that will be transferred to your account, will be of 99,102 rupees, so you will come down a little, and here, you will check the details once, you will see it properly, here, the summary is told, that the total amount is 1,04,091 rupees, and the tenure of the loan is of 27 months, that is, every month, for 27 months, we will have to make a payment of 5,624 rupees, and here, the interest rate is 35 percent, and here, guys, the due date of EMI, that is, when we have to pay EMI, that will also be seen here, okay, so now, you simply have to continue here, and guys, here, some permission will be asked from you, you will allow it, and here, you will tick the box, now, we have to do KYC, after that, we will continue, and here, the options of your Aadhaar card will come, so you will enter the Aadhaar number here, after that, we will continue, now, guys, you will get an OTP from Aadhaar, one-time password, you will enter it, and submit it, now, guys, here, the 6 number password of your DigiLocker, you will enter it, and you will complete it, now, guys, here, two things are being accessed, one is of Aadhaar card, and the other is of PAN card, now, guys, here, you will get the complete details of your KYC, like what is your name, what is the last number of Aadhaar number, complete details will come, so you check it, if, guys, your permanent and current address is same, so you will say yes, if yours is different, then you will say no, okay, that is, suppose, my Aadhaar address is of Rishikesh, and I am working in Delhi, so my current address will be of Delhi, and permanent address will be of Rishikesh, now, I stay in one place, so I will say yes, after that, guys, here, you have to enter your full name, of your father or mother, or suppose, husband or wife, you enter the name, after that, guys, you continue here, now, guys, you will wait for a while, now, our KYC verification is going on, now, you have to link your bank account here, because here, guys, one rupee will be transferred in your bank account, from their side, because here, basically, there is a process of verification, okay, so in that condition, in your account, one rupee will be transferred from Vijay's side, so you will click on add account, after that, whatever is your account, here is the holder name, you will automatically get the full name of the account holder, now, you have to enter the bank FHC code, and you have to enter the account number here, after that, you will continue from below, after that, guys, here, you will see, like this, you will wait for a while, after that, guys, your application will be submitted successfully, and remember, you will get a callback from Bajaj, and whatever details will be asked from you, you will tell, after that, this amount, loan amount, will be transferred in your bank account, guys, if you don't need any personal loan, then you can apply for Bajaj's Insta EMI card, here, you will get a limit of up to 3 lakh rupees, by using which, you can do shopping easily, if you want to know, how to apply, already, I have made a video, in the description of the video, you will get the link, you must watch that video, and by liking the video, share it with your friends.