Features and benefits

  • Instant loan approval

    Instant loan approval

    Get approved within 5 minutes* of applying for your instant loan

  • Disbursal in %$$PL-Disbursal$$%*

    Disbursal in 24 hours*

    Receive money in the bank within a day of loan approval.

  • Collateral-free loans

    Collateral-free loans

    Obtain a personal loan of Rs. 30,000 without pledging security or offering a guarantor.

  • Repay in up to %$$PL-Tenor-Max-Months$$%

    Repay in up to 96 months

    Select a comfortable repayment tenure of up to 84 months after considering your monthly budget.

  • Flexi benefits

    Flexi benefits

    Withdraw money from your loan account multiple times and pay interest only on the utilised amount.

  • Up to %$$PL-Flexi-EMI$$% lower EMI

    Up to 45% lower EMI

    Opt for our Flexi personal loan facility and pay only the interest component as EMIs for the initial part of the tenure.

  • Online loan account

    Online loan account

    Log in to our customer portal, to view your repayment schedule, pay EMIs, make part-prepayments, and download statements.

  • 100% transparency

    100% transparency

    Be assured of zero hidden charges as you read our terms and conditions.

Our instant personal loan of Rs. 30,000 is ideal for short-term and urgent funding needs. It is a collateral-free offering, meaning that you do not need to pledge any security to avail of the loan.

With an easy online application process and simple eligibility criteria, you can get instant approval within 5 minutes* of applying. We require just a handful of essential documents for verification. The funds are disbursed to your bank account within 5 minutes* of approval.

For easy repayment, we offer a tenure of up to 96 months. You can use the Personal Loan EMI Calculator to pick the ideal tenure, striving for a balance between your instalments and total interest payment. With a good CIBIL score, you can secure a competitive interest rate, and we levy no hidden charges.

Our unique Flexi loan facility offers you a loan limit from which you can borrow funds as you go and make part-prepayments at no extra charges. Pay interest-only EMIs for the first part of the tenure to reduce your monthly debt outgo by up to 45%*.

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How to calculate your Rs. 30,000 personal loan EMI


Approximate EMI at 13% interest rate

2 years


3 years


5 years


You can calculate the EMI using our personal loan EMI calculator. All you need to do is enter the amount, tenure, and rate of interest to estimate the equated monthly instalment.

Eligibility criteria

  • Nationality



  • Age


    21 years to 80 years*

  • CIBIL score

    CIBIL score

    685 or higher

As a salaried professional, you can easily get a personal loan of Rs. 30,000 in major Indian cities. Use our Personal Loan Eligibility Calculator to apply for a loan amount that matches your income and fixed obligations.

Interest rates and fees

Bajaj Finserv offers attractive personal loan interest rates and charges. Moreover, you are assured of zero hidden charges and 100% transparency.

Steps to apply for a Rs. 30,000 loan

Follow these steps to apply for a personal loan of up to Rs. 30,000:

  1. 1 Click on ‘APPLY ONLINE’ to access our short online application form
  2. 2 Enter your phone number and authenticate yourself with an OTP
  3. 3 Fill in your basic KYC, income, and employment details
  4. 4 Upload the documents required and submit the form

Our representative will get in touch with you and guide you through the next steps.

*Conditions apply

Purpose and uses of a Rs. 30,000 personal loan

You can use your Rs. 30,000 personal loan for a wide variety of purposes, including:

  • Online courses or education
  • Home repairs
  • Medical expenses

Frequently asked questions

How to get a Rs. 30,000 personal loan immediately?

You can get a Rs. 30,000 Insta Personal Loan by following the below steps -

  1. Click on ‘CHECK OFFER’.
  2. Enter your 10-digit mobile number and OTP.
  3. Go with the pre-assigned limit or choose a different loan amount.
  4. Choose a repayment tenure that suits you best.
  5. Click on ‘PROCEED’ to complete the online process.

The online process may differ depending on whether you are a new customer or have an existing relationship with us. Once the process is done, the funds will be disbursed to your account immediately, within 30 minutes* to 4 hours.

*Applicable for select customers

What CIBIL Score is needed for a Rs. 30,000 loan?

For our Insta Personal Loan, you do not have to check eligibility criteria such as your credit score or salary. We extend pre-approved offers after assessing the creditworthiness of borrowers.

Will i get a personal loan of Rs. 30,000 if i get my salary in cash?

Some of our select customers can get an Insta Personal Loan without needing to submit any documents, such as salary slips or bank statements.

Can I get a 30000 personal loan without income proof?

Obtaining a Rs. 30,000 personal loan without a salary slip or income proof can be difficult. Lenders usually require proof of income to assess repayment ability while approving a personal loan.