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BAJAJ FINSERV DIRECT LIMITED

Avail Instant Personal Loans ✓ Loan up to 55 Lakhs ✓ Quick Disbursal ✓ Minimum Documentation!

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Personal Loan for 4 Years

Learn more about interest rates, eligibility criteria, and the benefits of opting for a 4-year personal loan on Bajaj Markets.

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A personal loan with a 4-year tenure could be an excellent choice for managing medium-term financial needs. Whether it is for home renovations, higher education, or unexpected expenses, this tenure strikes the right balance between manageable EMIs and timely repayment.

You can apply for personal loans on Bajaj Markets and receive up to ₹55 Lakhs at competitive interest rates and with simple documentation.

EMI Calculator for a 4-Year Personal Loan

Your Personal Loan EMI

₹ 2,124

Total Interest Amount

₹ 27,453

Principal Amount

₹ 1,00,000

Total Payable Amount

₹ 1,27,453

Loan Amount

Interest Rate

- +

Tenure

- +

Calculate Now

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

An EMI calculator is a convenient online tool that helps you estimate the monthly instalment you will need to pay when repaying a personal loan. Follow these steps to use the personal loan EMI calculator available on Bajaj Markets:

Input the loan amount you want
Enter the estimated interest rate based on the lender’s offering
Choose a tenure of up to 48 months or 4 years

By changing only the loan amount and interest rate and keeping the tenure fixed, you can decide if the EMIs work for your income and budget.

Personal Loan Details for 4 Years

Here are the key details of a 4-year personal loan on Bajaj Markets:

Particulars	Details
Minimum Loan Amount	₹40,000
Maximum Loan Amount	₹55 Lakhs
Starting Interest Rate	9.99% p.a.
Number of Partners Available	15

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

Key Features and Benefits of a 4-Year Personal Loan

An unsecured loan taken for this duration presents several advantages, making it a reliable solution for medium-term financial requirements. Consider the following reasons to opt for a loan with a 4-year tenure:

Reduced Financial Strain

Spreading repayments over four years allows for lower monthly instalments, making it easier to manage finances without stress.

Interest Savings Compared to Long-Term Loans

Although slightly longer than short-term credit, a four-year loan still helps limit total interest costs when compared to extended loan tenures.

Positive Impact on Credit Profile

Paying your loan EMIs on time over this 4-year period helps to improve your credit score. With a consistent repayment record, you can qualify for your next loan with ease and meet other life goals.

Convenient Digital Application

Bajaj Markets offers a user-friendly online process with minimal paperwork and fast loan approval for a loan of this tenure for added ease.

Quick Disbursement

Loans with a 4-year term are processed efficiently, allowing you to address urgent expenses such as medical emergencies, education fees, weddings, or travel plans without delay.

Opting for a 4-year personal loan comes with a range of advantages, making it a reliable financial solution for your needs. These are as follows:

Apply with basic documentation for quicker loan approval
Save on total interest due to the shorter repayment duration
Repay the loan within four years and avoid long-term financial commitments
Effectively manage routine expenses without impacting your monthly budget
Support business cash flow during lean seasons
Access immediate funds for urgent medical, personal, or business-related needs
Well-suited for both salaried individuals and self-employed professionals

Interest Rates and Charges of Lenders Offering Personal Loans For 4 Years

The table below shows the interest rates offered by various lenders on Bajaj Markets.

Available Offerings	Max. Loan Amount	Min. Interest Rate	Max. Tenure	Processing Fee
Privo (Credit Saison) Personal Loan	₹5 Lakhs	9.99%	60 months	1% to 3% of the loan amount + GST
Bajaj Finance Personal Loan	₹55 Lakhs	10.00%	96 months	Up to 3.93% of the loan amount
Kotak Mahindra Bank Personal Loan	₹40 Lakhs	10.99%	72 months	1.10% - 1.50% of the loan amount + GST
KreditBee Personal Loan	₹10 Lakhs	12.00%	60 months	Up to 5.1% + GST
L&T Finance Personal Loan	₹15 Lakhs	12.00%	48 months	Up to 3% of the loan amount + GST
SMFG India Credit Personal Loan	₹25 Lakhs	12.00%	60 months	0% to 6% of the loan amount
YES BANK Personal Loan	₹50 Lakhs	12.50%	72 months	1.15% to 2.75% of the loan amount
Federal Bank Personal Loan	₹5 Lakhs	12.75%	48 months	2% to 3% of the loan amount + 18% GST
Aditya Birla Capital Personal Loan	₹7 Lakhs	13.50%	60 months	Up to 4% of the loan amount + GST
PaySense Personal Loan	₹5 Lakhs	14.00%	60 months	2% to 2.5% of the loan amount + GST or ₹500 + GST (whichever is higher)
Muthoot Finance Personal Loan	₹10 Lakhs	14.50%	60 months	2% to 4% of the loan amount
Finnable Personal Loan	₹10 Lakhs	15.95%	60 months	Up to 3% of the loan amount
InCred Personal Loan	₹10 Lakhs	16.00%	60 months	2% to 5% of the sanctioned amount
Moneyview Personal Loan	₹10 Lakhs	1.33% p.m.	60 months	Starts from 2% of the approved loan amount
Piramal Finance Personal Loan	₹6 Lakhs	17.25%	60 months	1.50% to 4.50% of the loan amount

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

Personal Loan EMIs for 4 Years for Different Amounts

Here is the table showing the EMIs for different loan amounts at a 9.99% interest for a 4-year loan tenure:

Loan Amount	Interest Rate	EMI Amount for a 4-Year Tenure
₹10 Lakhs	9.99% p.a.	₹25,357
₹20 Lakhs	9.99% p.a.	₹50,715
₹30 Lakhs	9.99% p.a.	₹76,073
₹40 Lakhs	9.99% p.a.	₹1,01,431
₹50 Lakhs	9.99% p.a.	₹1,26,788

Disclaimer: The calculation of EMI is for illustration purposes only. Actual figures may vary depending on the loan terms.

Eligibility Criteria for a 4-Year Personal Loan

To apply for a personal loan for 4 years on the Bajaj Markets, meeting the following criteria is mandatory:

Citizenship: You must be an Indian citizen
Employment Type: Both salaried and self-employed individuals are eligible
Age Requirement: The minimum age to apply is 18 years
Income Criteria: Stable source of income is recommended
Work Experience: You should have at least 6 months of work experience
Credit Score: A CIBIL score of 685 or above is necessary

Documents Required for a 4-Year Personal Loan

You also need to submit these documents when applying for a loan via Bajaj Markets:

Document Type	Accepted Documents
Identity Proof	Aadhaar Card, PAN Card, Voter ID, Passport, Driving Licence
Address Proof	Aadhaar Card, Passport, Voter ID, Driving Licence, Telephone Bill, Electricity Bill
Income Proof	Last 3 Months’ Bank Statements or Salary Slips

How to Apply for a 4-Year Personal Loan

If you meet the eligibility criteria and have all the valid documents available, you can follow these steps to apply for a loan on Bajaj Markets.

Click on the ‘Apply For Loan’ option on this page
Choose your profession from the dropdown options provided
Enter your mobile number and PIN code
Accept the terms and conditions after reading carefully
Click on ‘Proceed’
Enter or choose the following details as required, such as PAN, Name as per PAN card, Date of birth, Employer category, Employer/company name, Net monthly salary, Email ID, Gender, Salary credit mode (Bank or Cash)
Click on ‘Submit’
Review and select loan offers based on your eligibility
Provide any additional details if requested

After submitting the application, you will get a call from an executive with an offer. After accepting the offer and submitting the documents, the funds are disbursed into your bank account shortly.

Personal Loan Offers for Other Tenures on Bajaj Markets

Personal Loan for 6 Months	Personal Loan for 6 Years	Personal Loan for 1 Year
Personal Loan for 8 Years	Personal Loan for 7 Years	Personal Loan for 3 Months
Personal Loan for 5 Years	Personal Loan for 2 Years	Personal Loan for 10 Months
Personal Loan for 3 Years	Personal Loan for 4 Months	Personal Loan for 5 Months
Personal Loan for 7 Months	Personal Loan for 8 Months	Personal loan for 9 Months
Personal Loan for 11 Months

Frequently Asked Questions

Can you get a personal loan for four years?

You can easily get a personal loan for four years. The loan tenure depends on your income, credit score, and repayment ability.

What is the maximum loan one can get for a 4-year tenure?

You can get loan amounts ranging up to ₹55 Lakhs through lenders on Bajaj Markets.

Is 4 years the maximum tenure for a personal loan?

The maximum tenure can range up to 8 years with lenders available on Bajaj Markets.

Can I prepay or foreclose a 4-year loan?

Yes, you can prepay your 4-year loan. However, before doing so, contact the lender and get all the information to pre-close the loan. You may have to pay a foreclosure fee when closing the loan.

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Personal Loan for 4 Years

EMI Calculator for a 4-Year Personal Loan

₹ 27,453

₹ 1,00,000

₹ 1,27,453

Personal Loan Details for 4 Years

Key Features and Benefits of a 4-Year Personal Loan

Reduced Financial Strain

Interest Savings Compared to Long-Term Loans

Positive Impact on Credit Profile

Convenient Digital Application

Quick Disbursement

Interest Rates and Charges of Lenders Offering Personal Loans For 4 Years

Personal Loan EMIs for 4 Years for Different Amounts

Eligibility Criteria for a 4-Year Personal Loan

Documents Required for a 4-Year Personal Loan

How to Apply for a 4-Year Personal Loan

Personal Loan Offers for Other Tenures on Bajaj Markets

Frequently Asked Questions

Can you get a personal loan for four years?

What is the maximum loan one can get for a 4-year tenure?

Is 4 years the maximum tenure for a personal loan?

Can I prepay or foreclose a 4-year loan?

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