ओवरड्राफ्ट लोन क्या है? विशेषताएँ, लाभ और ब्याज दरें
Apr 23, 2026 | 4 mins read
Looking for urgent funds? Whether it is a sudden medical bill or last-minute wedding arrangements, an instant Personal Loan in Aurangabad can help you meet your financial needs quickly and easily. With complete digital processes and minimal paperwork, these loans are ideal for anyone who needs a fast and flexible solution. You can apply for a Personal Loan online in Aurangabad and get up to ₹ 30 Lakh* at an interest rate starting from 11%* p.a. for a tenure of up to 72 months.
One of the biggest advantages of opting for a Personal Loan in Aurangabad is the swift disbursal process. With L&T Finance, eligible applicants can get funds disbursed within 24 to 48 hours post verification. The entire Personal Loan disbursement process is digital, right from the online application to final disbursal. After you complete the Know Your Customer (KYC) process and set up your E-mandate, the funds are transferred directly to your bank account, ensuring that you get what you need, when you need it.
An EMI calculator for Personal Loan is a handy online tool that helps you plan your monthly repayment in advance. You simply enter:
The calculator gives an estimate of your monthly EMI and total repayment amount. This helps in choosing a suitable loan offer based on your budget and needs.
| Type | Criteria |
|---|---|
| Residency | Indian resident |
| Age requirement | 21 years to 58 years |
| Profession | Salaried or self-employed individuals |
| Document Type | Required Document & Checks |
|---|---|
| Identity Proof | Passport | PAN Card | Driver License | Voter ID | Aadhaar Card |
| Address Proof | Utility bill of any service provider not more than 2 months old (Electricity, Telephone, Post-paid Mobile Phone, Piped Gas, Water Bill) | Passport | Voter ID Card | Driving License |
| Income Proof | Income proofs vary for different professionals across salaried and self employed. |
Please find the easy detailed list of required documents here
| Type | Document |
|---|---|
| Salaried | Last 3 month's salary slips / Form 16 / Last 3 month's bank statement reflecting salary credits / Salary Certificate |
| Self Employed | Latest Income Tax Return (ITR) |
| Bank Statement | Last 3 month's statement is mandatory |
| Residence Ownership Proof | Not mandatory |
| Type | Interest Rate and Charges |
|---|---|
| Loan Processing Fees (non-refundable): | Upto 4%* of Loan Amount + applicable taxes |
| EMI Dishonour/Bounce Charge* *A bounce charge is a charge for (i) dishonour of any repayment instrument; or (ii) non-payment of instalment(s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate | As shown in the table below |
| Sanctioned Loan Amount | Charges |
| < ₹ 5 Lakh | ₹ 500 |
| ₹ 5 Lakh - ₹ 30 Lakh | ₹ 1000 |
| Late Payment Charges (LPC)/ Penal Charges: | 2% (p.m.) on EMI overdue + applicable taxes |
| *LPC revised from 3% to 2% per month on overdue EMI w.e.f. 4th Dec'23 | |
| *Taxes applicable on LPC w.e.f. 1st Apr'24 | |
| Part Payment Charges: | Up to 5% of pre-paid amount + applicable taxes |
| Foreclosure Charges: | 5% of POS (Principal Outstanding) + applicable taxes |
| Legal/ Recovery Charges: | As per actuals |
| Duplicate NOC Charges: | First 3 paper copies - free of cost |
| From 4th Paper copy - ₹250 + applicable taxes | |
| Repayment Swap charges (per swap): | ₹500 + applicable taxes (applicable only for branch walk-ins) |
| Loan Cancellation Charge: | Nil - for 3 days from date of disbursal |
| From 4th day - 5%+ applicable taxes (on the outstanding loan amount) | |
| Document Charges: | Nil for Statement of Account (SOA), Repayment Schedule, Foreclosure Letter, Welcome Kit |
| Annual Maintainance Charges (AMC): | Nil |
*Terms & Conditions Apply. All actual charges will be as per Key Fact Statement (KFS) shared by the company.
Apply for Personal Loan with these steps
1. Apply online in just few minutes
Select Personal Loan and click the 'Apply Now' button to start your seamless digital loan journey
2. Fill in your details
Enter your personal details, such as income details, current address, and more, to instantly check your loan eligibility
3. Get your customised offer
Explore personalised loan offers to match your needs. You may also get an options to enhance your offer
4. Set up E-mandate
Securely provide your bank details to easily register for an E-mandate, ensuring smooth loan repayments
5. Complete KYC
Verify your identity easily and securely with a quick KYC process from the comfort of your home
6. Get loan disbursement
Get your loan disbursement directly in your bank account, ensuring fast and seamless access to funds
Visit our website, click Apply Now, complete the form, upload documents and receive funds quickly. You can also use the PLANET app to apply for a Personal Loan with L&T Finance in Aurangabad.
You can get real-time updates about your loan application on your registered mobile number. You can also check your application status by logging in to our website or PLANET app with your registered mobile number and entering your application number.
Foreclosure charges are 5% of outstanding principal + taxes at L&T Finance.
You can get a Personal Loan of up to ₹ 30 Lakh* in Aurangabad, depending on your income and credit profile.
You'll need identity proof, address proof and income proof.
The Personal Loan interest rate at L&T Finance starts from 11%* p.a.
Processing fees are up to 3%* of the loan amount + applicable taxes (non-refundable).
Yes, self-employed professionals and business owners are eligible, subject to income verification and basic document submission.
L&T Finance provides loan approval in 2 minutes* with quick disbursal of the amount directly into your bank account.
A higher credit score improves your chances of approval and helps you get better interest rates on your loan.
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