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

You can get a Rs. 30K loan instantly by following these steps: Click on ‘CHECK ELIGIBILITY’ on this page. Enter your 10-digit mobile number and the OTP sent to your phone. Check if you have an offer. If not, fill in the application form with your basic loan details, such as your full name, PAN, date of birth, and PIN code. Now, click on ‘PROCEED’ to visit the loan selection page. Enter the offer or loan amount that you need. Choose from our personal loan variants. Choose the repayment tenure and click on ‘PROCEED’. Complete your KYC and submit your application. Our representative will contact you for further steps.

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

You need a CIBIL Score of 685 or higher to get our personal loan.

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

Some of our select customers with pre-approved offers can get a 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?

Some of our select customers with pre-approved offers can get a personal loan without needing to submit any documents, such as income proof.

Can I get an instant personal loan of 30,000 without collateral?

Yes, you can get our personal loan without having to submit any collateral such as gold ornaments or property.

Can I get a Rs. 30,000 loan without a CIBIL Score?

Obtaining a Rs. 30,000 loan without a CIBIL score can be challenging. Lenders usually assess creditworthiness through CIBIL scores to mitigate risks.

What is the repayment tenure for a Rs. 30,000 personal loan?

Our Personal Loan comes with repayment tenure ranging from 12 months to 96 months.

How long does it take for approval of a Rs. 30,000 loan without income proof?

Approval depends upon various eligibility parameters and paperwork requirements. If you meet all of them, you can get instant approval on your personal loan application.

Can I get a Rs. 30,000 personal loan without salary slip?

Some of our select customers with pre-approved offers can get a personal loan without needing to submit any documents, such as income proof.

Who is eligible for an urgent cash loan?

Eligibility for an urgent cash loan depends on factors like a stable income, good credit score, and valid identification. Meeting these criteria increases your chances of quick loan approval.

What is the minimum salary to get a personal loan?

The minimum salary varies depending on the lender and your location.

Instant Personal Loan of Rs. 30,000 - Check Eligibility & Apply Now

Features
Eligibility
Purpose
How to apply

Rs. 40000 - Rs. 55 lakh

You may be eligible for a pre-approved offer

Check now

Enter mobile and OTP | Check offer | No branch visit needed

Looking for a quick financial boost to handle unexpected expenses or seize immediate opportunities? A Rs. 30,000 personal loan can effectively help cover emergency expenses, urgent medical bills, educational fees, home repairs, or short-term cash flow needs without depleting your savings or disrupting your financial planning.

✅ Check your pre-approved loan offer with phone number and OTP → Apply online in 5 minutes → Receive funds within a day*.

Why Rs. 30,000 loans matter: This amount provides meaningful financial support for medium-sized expenses while keeping EMIs affordable and manageable, making it perfect for addressing urgent needs without over-borrowing.

Features and benefits of Rs. 30,000 personal loan

An instant personal loan of Rs. 30,000 offers numerous compelling advantages designed to address urgent financial needs efficiently and affordably:

Instant loan approval

Get instant loan online approval within 5 minutes* of applying through our advanced digital assessment system that evaluates your profile quickly and accurately for immediate decisions.

Why speed matters: Instant approval means you can address emergencies, medical needs, or time-sensitive opportunities without delays that could worsen your situation or cause you to miss critical deadlines.

Disbursal in 24 hourss*

Receive money deposited directly in your bank account within 24 hours of loan approval, ensuring immediate access to funds when urgent situations demand quick financial solutions.

Rapid access benefit: Same-day funding capability means you can handle medical emergencies, urgent repairs, educational deadlines, or business opportunities without missing critical moments.

Collateral-free loans

Obtain a personal loan of Rs. 30,000 without pledging valuable security, offering a guarantor, or risking your assets, making the borrowing process simple and stress-free.

Repay in up to 96 months

Select a comfortable repayment tenure of up to 96 months after carefully considering your monthly budget, income patterns, and financial goals to ensure sustainable repayment.

Flexibility advantage: Longer tenure options provide smaller EMIs that are more manageable, while shorter tenures help you become debt-free faster with lower total interest costs.

Smart budgeting example: A Rs. 30,000 loan can be repaid over 36 months with EMIs around Rs. 1,000, or over 60 months with smaller EMIs of approximately Rs. 650, depending on interest rates.

Flexi loans

Make multiple withdrawals from a dropline limit and pay interest only on the withdrawn funds, with our Flexi loans.

Usage optimisation: The Flexi facility allows you to access funds as needed rather than taking the entire amount upfront, helping you save on interest costs and manage cash flow more effectively.

Online loan account

Log in to our comprehensive customer portal to view your repayment schedule, pay EMIs conveniently, make part-prepayments when you have extra funds, and download statements for your records.

Digital convenience: 24/7 online access allows you to manage your loan from anywhere, anytime, fitting perfectly with busy lifestyles and providing complete control over your loan management.

100% transparency

Be assured of zero hidden charges as you read our comprehensive terms and conditions, ensuring complete transparency in all fees, charges, and loan terms from application to final repayment.

Budget protection: Clear, upfront pricing helps you plan accurately and avoid financial surprises that could strain your budget during the loan tenure.

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Eligibility criteria and documents for personal loan

You can easily get the funds you need with the below criteria:

Eligibility criteria
- Nationality: Indian
- Age: 21 years to 80 years.
- Employed with: Public, private, or MNC.
- CIBIL Score: 685 or higher.
- Customer profile: Self-employed or Salaried
*You should be 80 years or younger, at the end of the loan tenure.

Use our personal loan eligibility calculator to apply for a loan amount that matches your income and fixed obligations.
Documents required

Here are the documents required for personal loan:
- KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
- PAN card
- Employee ID card
- Salary slips of the last 3 months
- Bank account statements of the previous 3 months
- Piped gas bill
- Pension order
- Letter of Allotment of Accommodation Issued by Employer
- Property / Municipal tax receipt
- Utility bill
- Phone bill
- Real-time image / photograph
- Ration card
Check your eligibility for personal loan using just mobile number and OTP – 100% online process.

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

Tenure	Approximate EMI at 10% interest rate
2 years	1,426
3 years	1,011
5 years	683

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.

Interest rates and fees on instant personal loan of Rs. 30,000

Bajaj Finance offers attractive personal loan interest rates and charges. Moreover, you are assured of zero hidden charges and 100% transparency. Use interest calculator to estimate your monthly payments.

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Purpose of Rs. 30,000 personal loan

A Rs. 30,000 personal loan is a versatile financial solution to cater to various immediate needs. Here are some common purposes for such loans:

Travel expenses: Plan your dream vacation without worrying about upfront costs. Opt for an instant loan for travel and pay for flights, accommodation, and activities conveniently.
Wedding costs: Cover wedding-related expenses, from venue bookings to attire and catering. An personal loan for wedding helps make your special day memorable without financial stress.
Higher education: Manage tuition fees or related costs with ease by applying for a personal loan for higher education and invest in a better future.
Medical emergencies: Tackle unexpected medical expenses swiftly with a personal loan for medical emergency to ensure uninterrupted care for your loved ones.
Home expenses: Renovate, repair, or upgrade your living space effortlessly using a personal loan for home expenses and enhance your home’s comfort and functionality.

These loans provide quick disbursal, minimal paperwork, and flexible repayment options, making them ideal for addressing urgent financial needs.

Other instant personal loan options

Rs. 25000 Personal Loan	Rs. 40000 Personal Loan
Rs. 50000 Personal Loan	Rs. 60000 Personal Loan
Rs. 70000 Personal Loan	Rs. 80000 Personal Loan

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Steps to apply for a Rs. 30,000 personal loan

Follow these steps to get a personal loan of Rs. 30,000 immediately:
1. Click on ‘CHECK ELIGIBILITY’ on this page.
2. Enter your 10-digit mobile number and the OTP sent to your phone.
3. Check if you have an offer. If not, fill in the application form with your basic loan details, such as your full name, PAN, date of birth, and PIN code.
4. Now, click on ‘PROCEED’ to visit the loan selection page.
5. Enter the offer or loan amount that you need. Choose from our personal loan variants.
6. Choose the repayment tenure and click on ‘PROCEED’.
7. Complete your KYC and submit your application.
Our representative will contact you for further steps.

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Type of fee	Applicable charges
Rate of Interest per annum	10% to 31% p.a.
Processing fees	Up to 3.93% of the loan amount (inclusive of applicable taxes).
Flexi Facility Charge	Term Loan – Not applicable Flexi variant - A fee will be deducted upfront from the loan amount (as applicable below) Up to Rs. 1,999/- for loan amount less than Rs. 2,00,000 Up to Rs. 3,999/- for loan amount from Rs. 2,00,000 to Rs. 3,99,999 Up to Rs. 5,999/- for loan amount from Rs. 4,00,000 to Rs. 5,99,999 Up to Rs. 7,999/- for loan amount from Rs. 6,00,000 to Rs. 9,99,999 Up to Rs. 8,999/- for loan amount from Rs. 10,00,000 to Rs. 14,99,999 Up to Rs. 9,999/- for loan amount from Rs. 15,00,000 to Rs. 19,99,999 Up to Rs. 10,999/- for loan amount from Rs. 20,00,000 to Rs. 24,99,999 Up to Rs. 11,999/- for loan amount from Rs. 25,00,000 to Rs. 29,99,999 Up to Rs. 12,999/- for loan amount of Rs. 30,00,000 and above All the Flexi facility charges above are inclusive of applicable taxes Loan amount includes approved loan amount, insurance premium, and VAS charges.
Principal Holiday Facility Fees	Up to Rs.1999/- for loan amount less than Rs.2,00,000 Up to Rs.3999/- for loan amount from Rs. 200000 to Rs.399999 Up to Rs.5999/- for loan amount from Rs. 400000 to Rs.599999 Up to Rs.7,999/- for loan amount from Rs. 600000 to Rs.999999 Up to Rs.8,999/- for loan amount from Rs.10,00,000 to Rs. 1499999 Up to Rs. 9999/- for loan amount from Rs. 15,00,000 to Rs.19,99999 Up to Rs.10,999/- for loan amount from RS. 20,00,000 to RS.2499999 Up to Rs.11,999/- for loan amount from RS.25,00,000 to RS. 29,99999 Up to Rs. 12,999/- for loan amount of Rs.30,00,000 and above Above charges are inclusive of applicable taxes & will be deducted upfront from loan amount *(Loan amount includes approved loan amount, Insurance Premium & VAS Charges)
Bounce charges	Up to Rs. 1,200 per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment 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 or any other reason
Part-prepayment charges	Full Pre-payment: Foreclosure can be processed post clearance of first EMIs. Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment. Flexi Term Loan (Flexi Dropline): Up to 4.72% (Inclusive of applicable taxes) of the Dropline limit as per the repayment schedule as on the date of full prepayment. Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) of the Dropline limit as per the repayment schedule as on the date of full prepayment. Part-prepayment Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment. Not Applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid Term Loan.
Penal charge	Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp duty (as per respective state)	Payable as per state laws and deducted upfront from loan amount.
Annual maintenance charges	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges Flexi Hybrid Term Loan: Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit during Initial Tenure. Up to 0.295% (Inclusive of applicable taxes) of Dropline limit during Subsequent Tenure

Note: Additional cess if any, will be applicable to all charges according to state law.

*Terms and conditions apply.

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Disclaimer

Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.

Instant Personal Loan of Rs. 30,000

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