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Flexi Hybrid Term Loan

Apply for a Flexi Hybrid Term Loan in Bhopal

Compare Flexi Hybrid Term Loan offers from FynnEdge partner banks and NBFCs if you live or work in Bhopal.

  • Interest-only initial tenure
  • Principal + interest subsequent tenure
  • Compare multiple lenders side by side

10.00%

Interest from

₹2 Crore

Loan up to

6 years

Tenure up to

Get the funds you need Get up to ₹2 Crore starting at 10.00% p.a.

+91
₹

₹1,00,000 – ₹2,00,00,000

By submitting this form you agree to be contacted by FynnEdge about your Flexi Hybrid Term Loan enquiry. Privacy Policy.

Looking for a Flexi Hybrid Term Loan in Bhopal? FynnEdge compares Flexi Hybrid Term Loan offers from partner banks and NBFCs for applicants living or working across Bhopal — including MP Nagar, Arera Colony, Kolar Road, Hoshangabad Road and New Market — so you can check eligibility and start your application online.

Flexi Hybrid Term Loan is typically available from ₹100,000 to ₹20,000,000 over a tenure of 24–72 months, at lenders' published rates of 10.00%–30.50% p.a.

Lenders typically assess: Salaried or self-employed with a regular income; Reasonable existing obligations relative to income; Exact criteria vary by lender.

Documents commonly required: PAN Card, Address Proof, Income Proof, Bank Statements (last 3 months).

Eligibility and final terms are set by the lender at the time of application — the figures here are indicative starting points, not a guarantee of approval or of the exact rate you'll be offered.

Flexi Hybrid Term Loan in Bhopal EMI calculator

Estimate your monthly instalment and see the full year-by-year principal and interest breakdown.

₹

Maximum loan amount: ₹2,00,00,000

%

Lenders' published rates for Flexi Hybrid Term Loan: 10.00%–30.50% p.a.. Interest-only for the initial tenure, then principal + interest — exact terms vary by lender.

years

Maximum tenure: 6 years (72 months)

Monthly EMI

₹21,247

Total interest

₹2,74,823

Total payment

₹12,74,823

Indicative only — your actual EMI depends on the lender's exact rate and terms at sanction.

Principal vs. interest

  • Principal 78.4%
  • Interest 21.6%

Principal & interest paid per year

2026
2027
2028
2029
2030

Time on the x-axis, amount repaid on the y-axis — early on leans toward interest, later on toward principal.

Full breakdown, starting this month

Assumes your first EMI falls this month — click a period to see every month within it.

Oct 2026 – Sep 2027 Principal paid₹1,62,268 Interest paid₹92,696 Total paid₹2,54,964
Month Principal paid Interest paid Total paid Balance remaining
Oct 2026 ₹12,914 ₹8,333 ₹21,247 ₹9,87,086
Nov 2026 ₹13,021 ₹8,226 ₹21,247 ₹9,74,065
Dec 2026 ₹13,130 ₹8,117 ₹21,247 ₹9,60,935
Jan 2027 ₹13,239 ₹8,008 ₹21,247 ₹9,47,696
Feb 2027 ₹13,350 ₹7,897 ₹21,247 ₹9,34,346
Mar 2027 ₹13,461 ₹7,786 ₹21,247 ₹9,20,886
Apr 2027 ₹13,573 ₹7,674 ₹21,247 ₹9,07,313
May 2027 ₹13,686 ₹7,561 ₹21,247 ₹8,93,626
Jun 2027 ₹13,800 ₹7,447 ₹21,247 ₹8,79,826
Jul 2027 ₹13,915 ₹7,332 ₹21,247 ₹8,65,911
Aug 2027 ₹14,031 ₹7,216 ₹21,247 ₹8,51,880
Sep 2027 ₹14,148 ₹7,099 ₹21,247 ₹8,37,732
Oct 2027 – Sep 2028 Principal paid₹1,79,260 Interest paid₹75,705 Total paid₹2,54,964
Month Principal paid Interest paid Total paid Balance remaining
Oct 2027 ₹14,266 ₹6,981 ₹21,247 ₹8,23,466
Nov 2027 ₹14,385 ₹6,862 ₹21,247 ₹8,09,081
Dec 2027 ₹14,505 ₹6,742 ₹21,247 ₹7,94,576
Jan 2028 ₹14,626 ₹6,621 ₹21,247 ₹7,79,951
Feb 2028 ₹14,747 ₹6,500 ₹21,247 ₹7,65,203
Mar 2028 ₹14,870 ₹6,377 ₹21,247 ₹7,50,333
Apr 2028 ₹14,994 ₹6,253 ₹21,247 ₹7,35,339
May 2028 ₹15,119 ₹6,128 ₹21,247 ₹7,20,220
Jun 2028 ₹15,245 ₹6,002 ₹21,247 ₹7,04,974
Jul 2028 ₹15,372 ₹5,875 ₹21,247 ₹6,89,602
Aug 2028 ₹15,500 ₹5,747 ₹21,247 ₹6,74,102
Sep 2028 ₹15,630 ₹5,618 ₹21,247 ₹6,58,472
Oct 2028 – Sep 2029 Principal paid₹1,98,030 Interest paid₹56,934 Total paid₹2,54,964
Month Principal paid Interest paid Total paid Balance remaining
Oct 2028 ₹15,760 ₹5,487 ₹21,247 ₹6,42,713
Nov 2028 ₹15,891 ₹5,356 ₹21,247 ₹6,26,821
Dec 2028 ₹16,024 ₹5,224 ₹21,247 ₹6,10,798
Jan 2029 ₹16,157 ₹5,090 ₹21,247 ₹5,94,641
Feb 2029 ₹16,292 ₹4,955 ₹21,247 ₹5,78,349
Mar 2029 ₹16,427 ₹4,820 ₹21,247 ₹5,61,922
Apr 2029 ₹16,564 ₹4,683 ₹21,247 ₹5,45,357
May 2029 ₹16,702 ₹4,545 ₹21,247 ₹5,28,655
Jun 2029 ₹16,842 ₹4,405 ₹21,247 ₹5,11,813
Jul 2029 ₹16,982 ₹4,265 ₹21,247 ₹4,94,831
Aug 2029 ₹17,123 ₹4,124 ₹21,247 ₹4,77,708
Sep 2029 ₹17,266 ₹3,981 ₹21,247 ₹4,60,442
Oct 2029 – Sep 2030 Principal paid₹2,18,767 Interest paid₹36,198 Total paid₹2,54,964
Month Principal paid Interest paid Total paid Balance remaining
Oct 2029 ₹17,410 ₹3,837 ₹21,247 ₹4,43,032
Nov 2029 ₹17,555 ₹3,692 ₹21,247 ₹4,25,477
Dec 2029 ₹17,701 ₹3,546 ₹21,247 ₹4,07,775
Jan 2030 ₹17,849 ₹3,398 ₹21,247 ₹3,89,926
Feb 2030 ₹17,998 ₹3,249 ₹21,247 ₹3,71,929
Mar 2030 ₹18,148 ₹3,099 ₹21,247 ₹3,53,781
Apr 2030 ₹18,299 ₹2,948 ₹21,247 ₹3,35,482
May 2030 ₹18,451 ₹2,796 ₹21,247 ₹3,17,031
Jun 2030 ₹18,605 ₹2,642 ₹21,247 ₹2,98,426
Jul 2030 ₹18,760 ₹2,487 ₹21,247 ₹2,79,666
Aug 2030 ₹18,916 ₹2,331 ₹21,247 ₹2,60,749
Sep 2030 ₹19,074 ₹2,173 ₹21,247 ₹2,41,675
Oct 2030 – Sep 2031 Principal paid₹2,41,675 Interest paid₹13,290 Total paid₹2,54,965
Month Principal paid Interest paid Total paid Balance remaining
Oct 2030 ₹19,233 ₹2,014 ₹21,247 ₹2,22,442
Nov 2030 ₹19,393 ₹1,854 ₹21,247 ₹2,03,049
Dec 2030 ₹19,555 ₹1,692 ₹21,247 ₹1,83,494
Jan 2031 ₹19,718 ₹1,529 ₹21,247 ₹1,63,776
Feb 2031 ₹19,882 ₹1,365 ₹21,247 ₹1,43,893
Mar 2031 ₹20,048 ₹1,199 ₹21,247 ₹1,23,845
Apr 2031 ₹20,215 ₹1,032 ₹21,247 ₹1,03,630
May 2031 ₹20,383 ₹864 ₹21,247 ₹83,247
Jun 2031 ₹20,553 ₹694 ₹21,247 ₹62,694
Jul 2031 ₹20,725 ₹522 ₹21,247 ₹41,969
Aug 2031 ₹20,897 ₹350 ₹21,247 ₹21,072
Sep 2031 ₹21,072 ₹176 ₹21,247 ₹0
Balance remaining after the last month of each period shown above.

Lenders offering this product

Compare lenders side by side

Tick up to 4 lenders to compare them head to head, or apply with any lender directly.

Lenders compared
4
Rates from
10.00% p.a.
Loan up to
₹55 Lakh
Tenure up to
9 yrs
Sort by

— pick at least one more to compare. — showing only your picks.

Lender Interest rate Loan amount Tenure Processing fee Eligibility Apply
Bajaj Finance logo
Bajaj Finance NBFC / HFC
Lowest rate Highest amount Longest tenure

Interest rate

10.00% – 30.50%

p.a. · Interest-only, then EMI (hybrid)

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹40,000 – ₹55 Lakh

Tenure

5–9 yrs

Processing fee

₹1,600–₹227,200

Fee details

Flexi Hybrid Term Loan: interest-only EMIs up to 36 months then principal+interest; PF up to 4.13% incl. taxes; Flexi fee up to 0.472% of dropline limit in initial tenure

Eligibility

  • Age 21–80 yrs
  • Min. income ₹0/mo
  • Credit score 650+
  • Salaried or Self-employed
Apply Now
Aditya Birla Finance logo

Interest rate

11.00% – 16.00%

p.a.

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹50,000 – ₹50 Lakh

Tenure

6–8 yrs

Processing fee

₹1,500–₹200,000 + GST

Fee details

Flexi Personal Loan: pre-approved credit line, interest only on amount withdrawn; self-employed min turnover Rs 5 lakh p.a.; CIBIL 750+ recommended; PF as per PL schedule

Eligibility

  • Age 21–60 yrs
  • Min. income ₹15,000/mo
  • Credit score 750+
  • 12+ months in current employment/business
  • Salaried or Self-employed
Apply Now
Piramal Finance logo

Interest rate

12.14%

p.a. onwards

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹50,000 – ₹25 Lakh

Tenure

7–7 yrs

Processing fee

Up to 5.00% + GST

Available on request Apply Now
Tata Capital logo
Tata Capital NBFC / HFC

Interest rate

12.99%

p.a. onwards · Interest-only, then EMI (hybrid)

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹2 Lakh – ₹35 Lakh

Tenure

5–8 yrs

Processing fee

₹2,600–₹175,000 + GST

Fee details

Personal Loan Hybrid Term Loan (dropline): amount stays fixed 1 yr for 60/72-month tenures and 2 yrs for 84/96-month tenures then drops monthly; interest only on utilised amount; PF as per PL schedule (up to 5% + GST); tenures 60/72/84/96 months; PL ra...

Eligibility

  • Age 21–58 yrs
  • Min. income ₹20,000/mo
  • Credit score 725+
  • 12+ months in current employment/business
  • Salaried
Apply Now

Not sure which lender fits? Check your eligibility with all 4 lenders with a single application.

Check eligibility

Rates are each lender's own published figures, checked against the lender's website on the date shown. The rate, amount and approval you are offered depend on the lender's assessment of your profile — FynnEdge does not guarantee approval, disbursal or any particular rate.

Why FynnEdge?

You could go directly to a bank. But why apply for a Flexi Hybrid Term Loan in Bhopal through us?

01

One profile, many lenders

Share your details once — we match you against multiple lenders' criteria instead of you applying to each one separately.

02

Clear, upfront eligibility

See which lenders you're likely eligible for, with plain-language reasons, before you apply.

03

A fully online journey

Check eligibility, compare lenders and apply — all online, without a branch visit.

04

Free EMI & credit tools

Plan your EMI and check your credit score for free, before you commit to anything.

05

Guidance, not just a listing

We help you understand your options and why a lender is or isn't a fit — not just hand you a list.

06

No service charges

Comparing and applying through FynnEdge is free. Any lender fees are disclosed upfront by the lender.

What our customers say

  • “I contacted Fynnedge for help regarding the different types of personal loans available. The process went smoothly but it took quite long for the approval. Overall, it was a good experience.””

    Kavita Iyer

    Kavita Iyer

    Hyderabad

  • “I collaborated with Fynnedge to seek a personal loan for a specific expenditure. The process was straightforward, and the staff explained how loans functioned. The only issue was the length of the whole application process.””

    Sandeep Malhotra

    Sandeep Malhotra

    Chandigarh

  • “I have had a very happy experience with the Flexi Hybrid Term Loan. I found the process quite easy, although I did have to go through a lot of documentation as well as learn about all the terms and conditions of the loan first." ”

    Rajesh Gupta

    Rajesh Gupta

    kanpur

  • “"I took the Flexi Hybrid Term Loan in order to complete all my current requirements and to help me in my future endeavors. I found the varied nature of the product very helpful and it also made it easier for me to check the conditions that initially appeared daunting. I am generally pleased with the way things went for me." ”

    Pooja Deshmukh

    Pooja Deshmukh

    Nagpur

  • “They helped me in flexi hybrid loan from the start to the end of the process concerning all my information needs. They resolved my doubts without wasting any time. But what I appreciated the most was their incredible process handling.”

    N

    Neha Gupta

    Mumbai

Frequently asked questions

What does "interest-only" mean during the initial tenure?

During the initial tenure, your monthly payment covers only the interest on the loan — the outstanding principal doesn't reduce during this period. Once the initial tenure ends, the loan converts to a standard EMI covering both principal and interest for the subsequent tenure.

Is the initial tenure the same for every lender?

No. Each lender configures its own initial tenure, subsequent tenure and interest rate for this product — compare them in the lender comparison table and calculator above before choosing.

Can I prepay or foreclose a Flexi Hybrid Term Loan?

Prepayment and foreclosure terms are set by each lender individually. Check the specific lender's terms during your application, or ask a FynnEdge expert before you apply.

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