Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • Bajaj Finserv Doctor Loan Reviews

    • Bajaj Finserv Personal Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      In the year of 2012, I got personal loan from Bajaj. Actually they already preapproved the loan and they approached me on the same. Even I availed the loan without raising any thing from my end. But the interest rate was quite high, which is 24%. Hence I have done foreclosure. The service was really good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 17, 2017
    • Bajaj Finserv Personal Loan
      "Good"
      0.5 3.5/5 "Pretty good"
      I am having the personal loan with the Bajaj Finerv and the interest rate is around 14%. Loan amount got disbursed to my account within three to four days of time. Response is good one with them and the processing charges were around 10000 Rupees for 6 lakh Rupees as capital, which is really huge . I would like to suggest that they need to stick with their commitments like now they are showing the variation in prepayment charges.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 17, 2017
    • Bajaj Finserv Personal Loan
      "High Rate of Interest"
      0.5 2.0/5 "Expected more"
      Long time back I had taken preapproved loan from Bajaj Finserv which is personal loan. They collected required documents from me to process the loan. The loan amount is around three or four lakhs, but the interest rate is very high with them. Because of high interest rate, I had foreclosed the loan.
      Was this review helpful? 1
      , bangalore
      Reviewed on May 17, 2017
    • Bajaj Finserv Personal Loan
      "Good"
      0.5 3.0/5 "Satisfactory"
      I had taken a personal loan couple of years back with bajaj finserv. The services are very good. The response was quick. They collected my documents on time and the loan was processed on time too. The rate of interest was 25% which was bit high but they have come down now and the processing charged is 6k including insurance.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 16, 2017
    • Bajaj Finserv Personal Loan
      "Good"
      0.5 3.0/5 "Satisfactory"
      Bajaj Finserv offered me a personal loan. They have easy options in payment and it is very easy to finance with Bajaj and interest rate was 19% the loan amount is 63000 thousand cutomer was really good, they have offered me bajaj card so that there is no need for me to submit all the documents expect for pan card.
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      , mumbai
      Reviewed on May 16, 2017
    • Bajaj Finserv Personal Loan
      "High on ROI & charges"
      0.5 3.5/5 "Pretty good"
      My personal is from Bajaj Finserv and the team is quick in the process and paper work. The customer services are good and they are responsive too. But the interest rate and processing charges are high. I would not wish to refer them because of the high rates.
      Was this review helpful? 1
      , hyderabad
      Reviewed on May 15, 2017
    • Bajaj Finserv Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      When I took personal loan with Bajaj Finserv at the time my loan interest rate was 15% but they are offering around 11% of interest on loan products. I appreciate the Bajaj Finserv loan process, they gave me part payment and zero foreclosure option. I took the loan of Rs.3 Lakhs and I have closed during the second year without any charges.
      Was this review helpful? 1
      , pune
      Reviewed on May 03, 2017
    • Bajaj Finserv Personal Loan
      "Very Good service"
      0.5 5.0/5 "Blown Away!"
      BAJAJ FINSERV took around one week of time to disburse my personal loan. Because the day when I submitted my documents, within 3 days of time I got the loan credited to my account. I have just submitted the ID, address proof and salary slips and my photo copies . It was very smooth with the documentation process as well. I got personal loan based on my Bajaj card. The interest rate are high when compared with others.
      Was this review helpful? 1
      , mumbai
      Reviewed on May 03, 2017
    • Bajaj Finserv Personal Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      Bajaj Finserv offered me a personal loan. They have easy options in payment and it is very easy to finance with Bajaj. But the rate of interest is too high for my personal loan than other financial institutions. Customer service is fine and approachable.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 03, 2017
    • Bajaj Finserv Personal Loan
      "Rate of interest & other charges can be decreased in future"
      0.5 3.0/5 "Satisfactory"
      Availed Personal loan from Bajaj finserve around 6 months ago. They had offered me a personal loan for an interest of 28 % . The rate of interest . fees and charges needs to be reduced. The customer support needs to improve a lot with bajaj finance. I pay the loan amount through the ECS option, which is very easy, they dont have foreclosure option through on line, they are asking me to visit there branch to close the loan, which needs to be changed.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2017
    • Bajaj Finserv Personal Loan
      "Quick in reponse"
      0.5 5.0/5 "Blown Away!"
      Approached Bajaj Finserv for my personal loan, I got a quick response, and there process is very fast. The rate of interest and the other charges very low with bajaj finserv. They just took around 3 days to disburse my loan, which is very helpful.
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      , coimbatore
      Reviewed on Apr 23, 2017
    • Bajaj Finserv Personal Loan
      "Fast Service"
      0.5 5.0/5 "Blown Away!"
      Bajaj Finserv approached me for a personal loan. They quoted the interest rate of 16% but I had not accepted the interest rate, so they had reduced it as 12.5%. But the processing fee was 9000 along with the health insurance for 24000. Also they put some charges around 7000 for some policy. Other charges are very high so I did not take loan from Bajaj. But their way of approaching was very speed.
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      , chennai
      Reviewed on Apr 21, 2017
    • Bajaj Finserv Personal Loan
      "Super Fast Service"
      0.5 4.0/5 "Great!"
      Bajaj Finserv is such a good financial service provider. I recently applied for a personal loan. On the same day they had collected the documents, the very next day the loan amount been disbursed. Following day they sent a message stating that my loan had been approved. I am trying to say that, even they disbursed the amount before sending a information that my loan got approved. That much fast they are. Interest rate is very negotiable with them. It is very comfortable with Bajaj in all the aspects.
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      , howrah
      Reviewed on Apr 21, 2017
    • Bajaj Finserv Personal Loan
      "cheaters and not reliable"
      0.5 0.5/5 "Unacceptable"
      I have a taken a personal loan from Bajaj in 2014 and the agreement was there would be no preclosure charges. But these cheaters now charging a 4% preclosure charges. When asked they are saying as per current economic standards.They are charging from JUN 2016 it seems. If so then they should ve implemented it for the new loan applications but they are charging for the existing ones.I dont understand how these people are working. Frauds and cheaters.People dont take loans from these people they are not reliable. Should have given a negative star.
      Was this review helpful? 2
      , chennai
      Reviewed on Apr 19, 2017
    • Bajaj Finserv Personal Loan
      "Very high Interest rates"
      0.5 2.0/5 "Expected more"
      Bajaj finance took around 10 days of time to disburse my personal loan, with the tenure of 2 years. The rate of interest, other charges are really high when compared with others. The interest rates can be decreased in future. The response and the follow up was really good with bajaj finance.
      Was this review helpful? 1
      , ambala
      Reviewed on Apr 15, 2017
    • Bajaj Finserv Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      Bajaj finance Corporation is very good. They took around 2 days of time to disburse my personal loan. The follow up was very good, they took around one day of time for the documentation. The rate of interest and charges charged by them is way too high which cannot be even compared with others. Plus, they are primarily focusing on consumer loan, gold loan and mortgage loan. They are really doing great in all the aspects.
      Was this review helpful? 3
      , raipur
      Reviewed on Apr 12, 2017
    • Bajaj Finserv Personal Loan
      "Needs to improve"
      0.5 1.0/5 "Really Bad"
      I got the personal loan with the Bajaj Finserv and their interest rate is around 19.5% and the loan amount got credited to my account within a day of time. Processing charges are around 2% of the total capital amount. I would like to suggest that they need to stick with the information as they verbally confirm certain things, but you can not find the same in the papers.
      Was this review helpful? 2
      , madurai
      Reviewed on Apr 04, 2017
    • Bajaj Finserv Personal Loan
      "Its Good"
      0.5 4.0/5 "Great!"
      I have taken personal loan with Bajaj Finserv on last year, they done the fast process within 10 days they realized the amount. I had taken the amount of Rs. 3.9 lakhs with the interest rate around 12%, with the tenure of five years, I am happy with pre and post process of Bajaj service.
      Was this review helpful? 3
      , ludhiana
      Reviewed on Apr 04, 2017
    • Bajaj Finserv Personal Loan
      "High interest rate and processing fees"
      0.5 4.0/5 "Great!"
      When I was taking a personal loan from Bajaj Finserv, the processing fees and interest rate were very high. Interest rate was 15.25% and the processing fee was 14,000. But I had taken a loan as I was in need, also I approached them through online source. The executives from Bajaj came to my premises and collected the documents, they made my work simple. It would be better if they reduce their charges.
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      , nasik
      Reviewed on Apr 03, 2017
    • Bajaj Finserv Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      I got the personal loan with Bajaj Finserv and the interest is around 22%. The loan amount got credited to my account within three days of time. I had applied for the loan amount1.5 laks I received in hand is 1.43laks process fee and insurance they have charged me is 7k approximately.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 03, 2017
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    Bajaj Finserv Doctor Loan is Rated as "Great!" by 1411 Users

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    Personal Loan BYTES FROM OUR KITCHEN

    Bajaj Finserv Doctor Loan

    Overview about Bajaj Finserv Doctor Loan

    Bajaj Finserv provides a specific loan that is aimed at helping consultants and practicing doctors working in clinics or hospitals to expand their operations to include better services and treatment. This loan features low interest rates and fast approval times.

    Where can a Bajaj Finserve Doctor Loan be used?

    This unsecured loan is provided exclusively to people with valid medical registration numbers and thus requires no guarantors or collaterals. The loan thus availed can be used to purchase assets to aid in the development of medical facilities or in improving the level of service provided in terms of treatment and healthcare.

    Who are eligible for availing a Bajaj Finserve Doctor Loan?

    An unsecured loan meant for medical professionals, this specialised loan has a few eligibility criteria to be met in order for the institution to be able to sanction the loan. The eligibility requirements can be mentioned as follows –

    1. Applicant should either -
      • Be a postgraduate doctor (MD/DM/MS/MCH/MDS) with minimum 5 years of post- qualification experience
      • A graduate doctor (MBBS/BDS) with minimum 8 years of post-qualification experience
      • Own a house (parental house acceptable) or clinic in areas serviced by Bajaj Finserve
    2. Requirements need that –
      • The gross monthly salary should be INR 75000 and INR 40000 for tier 1 and tier 2 cities
      • Immediate preceding 2 years’ Form 16 along with 3 months’ payslips be provided
      • Immediate preceding 3 months’ salary credit bank statements be provided
      • Education Qualification Certificates be provided
      • Government approved identity and address proof be provided
      • Proof of own property (either residence or office) be provided
    3. The co-applicant (if any) needs to provide –
      • Government approved identity and address proof
      • Proof of relationship with the applicant

    What are the financing types?

    The financing modes allowed under the Doctor Loan can either be of a working capital type or demand loan type (Flexi Loans). The former allows a longer repayment period with standard rates and the latter has differential rates as per the amount and tenure chosen.

    What are the Bajaj Finserve Doctor loan limits?

    Based on the credit-worthiness of the applicant, Bajaj Finserve can provide loans within a range of INR 5 lakhs to INR 45 lakhs. Flexi loans might have differing limits based on the discretion of the NBFC.

    What are the interest rates of Bajaj Finserve Doctor Loan?

    Interest rates for a Doctor Loan could range from 11% per annum to higher figures based on Bajaj Fin serve’s discretion.

    What documents are required during applying for Bajaj Doctor Loan?

    The standard list of required documents for applying for this loan are mentioned as follows –

    1. Immediate preceding 2 years’ Form 16 along with 3 months’ payslips
    2. Immediate preceding 3 months’ salary credit bank statements
    3. Educational qualification certificates
    4. Government approved identity and address proof
    5. Registration number pertaining to valid Medical License

    What are the features of Bajaj Finserve Doctor Loan?

    The Doctor Loan from Bajaj Finserve is an unsecured loan that requires no guarantors or collaterals and is a really good financing option for medical practitioners to start a new venture or improve upon existing facilities.

    The loan period can range from 12 months to 60 months. The processing fees will be 2% of the loan amount and along with that, a security fee of INR 1,999 will be levied. There is an option to make pre-payments 6 times in a year in order to close the loan sooner. The loan can also be closed before the set tenure by making a lump sum payment, provided that the first EMI has been paid, and there would be no additional charges levied.

    How to apply for Bajaj Finserve Doctor Loan?

    The loan can be applied for through Bajaj Fin serve’s website, as well as forms can be downloaded, filled and submitted along with relevant documents at a local branch. Additionally, one could call or mail Bajaj Finserve requesting an executive assistance for application process.

    One can also apply for Bajaj Finserve Doctor Loan through Bankbazaar, wherein eligibility charts, EMI calculators and infographics can guide one through the application process.

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