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BAJAJ FINSERV DIRECT LIMITED

Personal Loan of ₹35,000

Fulfil your financial needs effortlessly with a ₹35,000 personal loan. The loan is offered by multiple lenders on Bajaj Markets. Benefit from competitive interest rates starting at just 14% p.a. and flexible repayment tenures of up to 96 months.

Your Personal Loan EMI

₹ 743

Total Interest Amount

₹ 9,608

Principal Amount

₹ 35,000

Total Payable Amount

₹ 44,608

Loan Amount

Interest Rate

- +

Tenure

- +

Instant Approval

You can also make instant comparisons between loan offers from over 20 personal loan providers on Bajaj Markets.

Lenders Offering Personal Loans of ₹35,000 on Bajaj Markets

Multiple leading lenders offer personal loans of ₹35,000 via Bajaj Markets. Compare interest rates and repayment tenures to choose the best option for your requirements:

Lender	Max. Tenure	Min. Interest Rate
Kissht	24 months	14% p.a.
KreditBee	24 months	14% p.a.
PaySense Partners	60 months	14% p.a.
Finnable	60 months	15.95% p.a.
InCred	60 months	16% p.a.
moneyview	60 months	16% p.a.
Upwards	36 months	18% p.a.
MoneyTap	36 months	18% p.a.
Olyv	12 months	18% p.a.
Zype	12 months	18% p.a.
mPokket	90 days	24% p.a.

Disclaimer: The above-mentioned details are subject to change at the lender’s discretion.

EMI For a Personal Loan of ₹35,000 Over Varying Tenures

Your EMI, total interest, and repayment cost for a ₹35,000 personal loan at 14% p.a. vary by the chosen tenure. Shorter tenures result in higher EMIs but lower interest, while longer tenures lower EMIs but increase total interest. Review all details with different tenures in the provided table:

Tenure	EMI Amount	Total Interest Payable	Total Repayment Cost
1 Year (12 Months)	₹3,408	₹2,497	₹37,497
3 Years (36 Months)	₹1,196	₹8,063	₹43,063
5 Years (60 Months)	₹814	₹13,863	₹48,863
8 Years (96 Months)	₹608	₹23,368	₹58,368

Disclaimer: These are approximate values and are meant for illustration only. For actual EMI values, reach out to the lender.

Fees and Charges for a Personal Loan of ₹35,000

When applying for a personal loan of ₹35,000, lenders may impose additional fees, such as processing charges, foreclosure fees, and part-payment costs. These fees differ across lenders and can influence the total cost of your loan. Refer to the table below for an overview of the applicable fees.

Fees and Charges	Details
Processing Fees	2% to 12% of the loan amount
Foreclosure Charges	Up to 5% of the amount

Disclaimer: The above-mentioned details are subject to change at the lender’s discretion.

How to Calculate Your Personal Loan EMI

You can calculate your personal loan EMI using the following formula.

EMI = [P x R x (1+R)^N] / [(1+R)^N-1]

Where:

P = Principal loan amount

R = Monthly interest rate (Annual interest rate / 12 / 100)

N = Loan tenure in months

For example, a personal loan of ₹35,000 at 14% p.a. for 60 months will result in an EMI of ₹814. The total interest payable will amount to ₹13,863. Consequently, the total amount payable will be ₹48,863.

Amortisation Table for a Personal Loan of ₹35,000

Suppose you take a loan of ₹35,000 at an interest rate of 14% with a tenure of 6 months. Below is the amortisation breakdown:

Month	Payable Amount	Principal	Interest	Balance
Month 1	₹ 6,074	₹ 5,666	₹ 408	₹ 29,335
Month 2	₹ 6,074	₹ 5,732	₹ 342	₹ 23,603
Month 3	₹ 6,074	₹ 5,798	₹ 275	₹ 17,804
Month 4	₹ 6,074	₹ 5,866	₹ 208	₹ 11,938
Month 5	₹ 6,074	₹ 5,935	₹ 139	₹ 6,004
Month 6	₹ 6,074	₹ 6,004	₹ 70	₹ 0

Disclaimer: These are approximate values and are meant for illustration only. For actual EMI values, reach out to the lender.

Impact of Pre and Post-personal Loan Approval on CIBIL Score

Your CIBIL score, ranging from 300 to 900, reflects your creditworthiness and affects your loan eligibility. Here is how taking a personal loan can influence it:

Pre-approval Impact

When you apply for a personal loan, the lender checks your credit report, resulting in a hard inquiry. This can cause a slight temporary reduction in your CIBIL score.

Post-repayment Impact

Timely EMI payments help improve your credit score, demonstrating your ability to manage debt responsibly. This enhances your chances of receiving better loan offers in the future.

Uses of a Personal Loan of ₹35,000

It offers a quick and flexible solution to manage both planned and unexpected expenses. Here are some common ways to use it:

Renovation or Relocation

It can assist with home renovation or relocation expenses, covering costs like wooden flooring, painting, and repairs, ensuring a smooth transition or upgrade without financial strain.

Medical Emergencies

This loan can help cover sudden medical costs, including hospital bills, doctor consultations, medicines, and diagnostic tests. It ensures you receive the necessary treatment without financial stress.

Home Repairs

Unexpected home repairs, such as plumbing issues, electrical work, or fixing a leaky roof, can be expensive. A ₹35,000 personal loan provides the necessary funds to address these urgent repairs promptly.

Travel Plans

The loan can fund your dream vacation, covering flights, hotels, sightseeing, and shopping. Travel now and repay conveniently in easy instalments over time.

Other Instant Personal Loan Options

1,000 Personal Loan	2,000 Personal Loan	3,000 Personal Loan
5,000 Personal Loan	10,000 Personal Loan	15,000 Personal Loan
20,000 Personal Loan	25,000 Personal Loan	30,000 Personal Loan
40,000 Personal Loan	50,000 Personal Loan	60,000 Personal Loan
70,000 Personal Loan	1 Lakh Personal Loan	2 Lakh Personal Loan
3 Lakh Personal Loan	4 Lakh Personal Loan	5 Lakh Personal Loan
6 Lakh Personal Loan	8 Lakh Personal Loan	10 Lakh Personal Loan
15 Lakh Personal Loan	20 Lakh Personal Loan	25 Lakh Personal Loan
30 Lakh Personal Loan	50 Lakh Personal Loan

Frequently Asked Questions

What is the interest rate for a ₹35,000 personal loan?

You can secure a personal loan of ₹35,000 from Bajaj Markets with interest rates starting at 14% p.a. Rates may vary depending on the lender and your credit profile.

Can I get a ₹35,000 personal loan without collateral?

Personal loans on Bajaj Markets are unsecured, meaning no collateral is required to obtain the loan.

How long can I take to repay a ₹35,000 personal loan?

Repayment tenures for a ₹35,000 personal loan range from 3 months to 96 months, depending on the lender and your eligibility.

Can I use a ₹35,000 personal loan for multiple expenses?

There are no restrictions on usage. The loan can be used for medical emergencies, home repairs, travel, education, or any urgent financial needs.

How fast can I get a personal loan of ₹35,000?

You can receive instant approval on Bajaj Markets and have funds disbursed quickly. Trusted lenders such as KreditBee, Kissht, and others disburse loans within minutes of approval.

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Personal Loan of ₹35,000

Lenders Offering Personal Loans of ₹35,000 on Bajaj Markets

EMI For a Personal Loan of ₹35,000 Over Varying Tenures

Fees and Charges for a Personal Loan of ₹35,000

How to Calculate Your Personal Loan EMI

Amortisation Table for a Personal Loan of ₹35,000

Impact of Pre and Post-personal Loan Approval on CIBIL Score

Uses of a Personal Loan of ₹35,000

Other Instant Personal Loan Options

Frequently Asked Questions

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