Bajaj Finance offers a broad range of secured and unsecured financial products to cater to the diverse needs of individuals and businesses.
Secured products require collateral, while unsecured products do not.
Secured financial products:
These loans are backed by collateral, which can result in lower interest rates and higher loan amounts than unsecured options. If a borrower defaults, the lender can seize the asset used as collateral to recover the funds.
Loan Against Property (LAP): You can mortgage a residential or commercial property you own to get significant funds for business expansion, a wedding, or medical needs.
Home Loan: This is a secured loan used to finance the purchase, construction, or renovation of a house. Bajaj Finance offers home loan balance transfers and top-ups as well.
Gold Loan: By pledging your gold jewelry or coins, you can secure quick funds. The loan amount is a percentage of the gold’s value and typically has competitive interest rates.
Loan Against Securities: This product allows you to get a loan by pledging financial assets like shares, mutual funds, and insurance policies without having to sell them.
Two-Wheeler Loan: This loan helps finance the purchase of a new or used two-wheeler, with the vehicle itself acting as collateral.
New and Used Car Loans: Bajaj Finance offers financing for both new and pre-owned vehicles. The vehicle purchased serves as the security.
Secured Business Loan: Businesses can get substantial funding by using their property as collateral. This is often used for business expansion, upgrading equipment, or managing operational costs.
Unsecured financial products:
Unsecured products do not require collateral, with the loan approval largely depending on your creditworthiness, income, and financial history. Due to the higher risk for lenders, interest rates are typically higher than for secured products.
Personal Loan: A versatile loan you can use for various personal expenses like weddings, travel, home renovation, or medical emergencies. Funds are often disbursed quickly with minimal documentation.
Insta Personal Loan: This product offers instant offers and faster disbursal times, sometimes in as little as 30 minutes, for those who meet eligibility criteria.
Unsecured Business Loan: Micro, Small, and Medium Enterprises (MSMEs) can get collateral-free financing for business operations, expansion, or working capital needs.
Loans for Professionals: Doctors and Chartered Accountants (CAs) can get customized unsecured loans with high limits and competitive interest rates to expand their practice.
EMI Network Card: This card offers pre-approved credit to finance purchases of consumer durables, electronics, and lifestyle products from partner stores on easy monthly installments (EMIs).
Easy EMI Loan: This loan can be used to finance the purchase of electronics and home appliances from the Bajaj Finserv EMI Network.
Please connect on Mobile /WhatsApp: 91-9820088394 or email to intellex@intellexconsulting.com for any further assistance and guidance.
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