Instant Personal Loan for Rs. 30,000 Salary

Instant Personal Loan for Rs. 30,000 Salary

Check your eligibility for personal loan on Rs. 30,000 salary with your phone and OTP - no branch visit needed.
Loan Types

Loan Types

FAQs

FAQs

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Rs. 40000 - Rs. 55 lakh

You may be eligible for a pre-approved offer

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Enter mobile and OTP | Check offer | Know your exact loan terms

Bajaj Finance now offers loans up to Rs. 55 lakh, making it easier than ever to meet your money needs. Whether you're planning a wedding, funding education, or managing unexpected expenses, a personal loan can provide funds quickly. With flexible terms and competitive rates, you can get a personal loan even with Rs. 30,000 salary. 


Check your pre-approved loan offer in just 2 steps to see what you qualify for.

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Features and benefits of Rs. 30,000 salary personal loan

  • No collateral needed

    The Bajaj Finserv Personal Loan doesn't require you to provide any property or guarantor for the loan.
     

    Why this helps: No risk to your assets and simpler approval process.

  • Repayment flexibility

    Your loan period can extend up to 96 months. Use a personal loan EMI calculator beforehand to find a suitable period.

  • Meet the immediate need for funds

    Get the personal loan amount credited to your bank account within 5 minutes* of getting approval.

  • Total transparency

    Bajaj Finserv ensures 100% transparency for its personal loans with no hidden charges and clear terms.

  • Minimal documentation

    Get a loan with your Rs. 30,000 salary by providing just a few personal and income-related documents.


    Pro-tip: Keep your documents ready to speed up the approval process.

  • Flexi loan facility

    Make multiple withdrawals from a dropline limit and pay interest only on the withdrawn funds, with our Flexi loans.

  • Online account management

    You can manage your loan account 24/7 with our dedicated online customer portal, My Account.

  • Pre-approved offers

    You can check if you have a pre-approved offer for a personal loan with just your phone number and OTP – no need to visit the branch.

If you need a personal loan with Rs. 30,000 salary, there are several options available to meet your money needs. Personal loans are unsecured, meaning you don't need to provide collateral, making them attractive for immediate funds.


To apply for an instant personal loan with Rs. 30,000 salary, you typically need basic documents like proof of identity, income statements, and bank statements. Lenders often offer quick approval processes, letting you access funds rapidly.


Smart move: Compare interest rates and repayment terms from different lenders to ensure you choose the best option for your situation. This way, you can manage your repayment without stress.


Salaried people can now meet all their money needs with a personal loan from Bajaj Finserv. People who earn up to Rs. 30,000 can get a loan with good repayment terms and attractive interest rates. With no collateral requirement, you can quickly get a loan by meeting simple eligibility requirements and submitting just a few basic documents.


Interest rates and charges applicable on Rs. 30,000 salary instant loan

With affordable personal loan interest rates on offer, a personal loan is convenient for all salaried people, even those with a salary up to Rs. 30,000.


*Terms and conditions apply

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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.

Check your eligibility for personal loan using just mobile number and OTP – 100% online process. 

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How much personal loan can I get on a salary of Rs. 30,000?

  • Several factors, including salary, determine how much money you can get with a personal loan. Some key factors are:

    • CIBIL Score
    • Repayment history
    • Debt-to-income ratio

Interest rates and charges applicable on Rs. 30,000 salary instant loan

With affordable personal loan interest rates on offer, a personal loan is convenient for all salaried people, even those with a salary up to Rs. 30,000.


Other salary-based personal loan options

Personal Loan for 70,000 SalaryPersonal Loan for 50,000 SalaryPersonal Loan for 60,000 Salary
Personal Loan for 15,000 SalaryPersonal Loan for 40,000 SalaryPersonal Loan for 35,000 Salary

Contact us or visit your nearest branch to know more.


*Terms and conditions apply.

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Key offerings: 3 loan types

  • Flexi Hybrid Term Loan
  • Flexi Term Loan
  • Term Loan

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    You can pay interest-only EMIs for up to 24 months, after which, the EMI will consist of both, the principal and the interest. EMI is applicable only on the withdrawn amount.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest on the loan amount you withdraw.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Amount disbursed in one go
    The entire loan amount is disbursed at the start.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest.

  • Flexi facility charges
    No Flexi facility charges.

Personal loan interest rate and applicable charges

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

Pre-payment charges

Full pre-payment

  • 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 total withdrawable amount as per the repayment schedule as on the date of full prepayment.
  • Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment.

Part pre-payment

  • Term Loan: 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.

*Foreclosure will be processed post clearance of first EMI

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 total withdrawable amount (as per the repayment schedule) on the date of levy of such charges.

Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount during the initial tenure. Up to 0.295% (inclusive of applicable taxes) of total withdrawable amount during subsequent tenure.

Broken period interest / Pre-monthly Instalment interest

Method of recovery of "Broken Period Interest/Pre monthly instalment Interest" would be as follows:


EMI Date : 2nd

Scenario 1: If Loan is disbursed on 1st or post 10th of the month:

For Term Loan: BPI amount will be capitalised, i.e added to Principal amount on Due date / Deducted from disbursement
For Flexi Loans: BPI amount will be capitalised, i.e added to Principal amount on Due date / Added to first instalment

Scenario 2: If Loan is disbursed between 3rd and 10th of the month:
First instalment will consist of interest for actual number of days

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

*Terms and conditions apply.

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