Features and benefits of Rs. 80,000 personal loan

  • Money in 24 hours*

    Money in 24 hours*

    Our disbursals are quick, so you can get a personal loan of Rs. 80,000 in your bank account within 24 hours* of approval.

  • Quick approval

    Quick approval

    Meet the eligibility criteria to enjoy approval in 5 minutes* of submitting your loan application.

  • Hassle-free paperwork

    Hassle-free paperwork

    Apply for a personal loan of Rs. 80,000 easily with minimal documents.

  • Special loan offers

    Special loan offers

    Existing customers can apply for the Bajaj Finserv Personal Loan with pre-approved offers to further expedite the process.

  • Repayment flexibility

    Repayment flexibility

    Choose the most convenient tenor of up to 96 months and plan your monthly payments using an EMI calculator for personal loan.

  • No undisclosed costs

    No undisclosed costs

    Our personal loan of Rs. 80,000 comes with 100% transparent fees and charges mentioned in the terms and conditions.

  • No collateral needed

    No collateral needed

    Our unsecured personal loan doesn’t require you to pledge any collateral, which means there is no risk of losing your assets.

  • Easy loan management

    Easy loan management

    Check EMIs and track loan activity digitally with Experia, our online customer portal, for 24/7 convenience.

The Bajaj Finserv Personal Loan of Rs. 80,000 is an ideal solution for your pressing financial needs. You can use the funds for various requirements without restrictions. Pay for sudden medical emergencies, higher education, a wedding, or even consolidate debt using the loan amount.

Check your eligibility and get approved hassle-free. Our personal loan of Rs. 80,000 requires simple documentation and offers disbursement within 24 hours*. This collateral-free personal loan does not need any guaranty, so your assets remain protected throughout. Plan your monthly payments carefully to avoid default and keep your CIBIL score high.

Our Flexi loan facility is a feature you can opt for to lower EMIs by up to 45%* when you pay with interest-only EMIs.

Read More Read Less

How much EMI will I need to pay for a personal loan of Rs. 80,000?


Approximate EMI at 13% interest rate

2 years


3 years


5 years


Eligibility criteria for Rs. 80,000 loan

  • Nationality



  • Age


    21 years to 80 years*

  • CIBIL score

    CIBIL score

    685 or higher

It’s easy to see if you qualify when you use the Personal Loan Eligibility Calculator.

Interest rates and fees for Rs. 80,000 personal loan

Be well-informed and check the interest rates on personal loans along with other fees and charges. This helps you estimate your EMIs as well as the total cost of the loan with ease.

How to calculate EMI on a Rs. 80,000 personal loan

A personal loan EMI calculator can help you accurately determine your EMIs. You just need to select the loan amount, rate of interest and tenure, to get the exact EMI payable for your personal loan.

A Personal Loan EMI calculator uses an EMI calculation formula to calculate your monthly instalments. The formula used is: E = P*r*(1+r)^n/((1+r)^n-1) where,

  • E is EMI
  • P is the principal loan amount
  • r is the rate of interest calculated monthly, and
  • n is the tenure/ duration in months

For example, the EMI for a Rs. 80,000 personal loan, at an interest rate of 13%, for a tenure of 36 months, will be approximately Rs. 2,696.

How to apply for a personal loan of Rs. 80,000

Follow these steps to apply for a Rs. 80,000 personal loan within minutes:

  1. 1 Click ‘APPLY ONLINE’ to visit the application form
  2. 2 Fill out contact information and verify yourself with an OTP
  3. 3 Enter the rest of the details related to your income and employment
  4. 4 Submit the form after you attach the needed documents

Our representative will contact you shortly to guide you through the next steps to get the loan of Rs. 80,000 transferred to your bank account within 24 hours*.

*Conditions apply

Frequently asked questions

How much salary is required to get a personal loan of Rs. 80,000?

The minimum salary to get our personal loan is Rs. 25,001.

How much credit score is required to apply for a Rs. 80,000 personal loan?

A CIBIL Score of 685 or higher is required to get our personal loan.

How much EMI will I have to pay for a Rs. 80,000 personal loan?

The EMI depends not only on the amount, but the tenure and interest rate as well. For example, the EMI for a Rs. 80,000 personal loan, at an interest rate of 13%, for a tenure of 36 months, will be approximately Rs. 2,696.

Am I eligible for a Rs. 80,000 loan with a cash salary?

You can get a loan even if you get a cash salary.

Can I avail of an Insta personal loan in financial emergency?

You can get an Insta Personal Loan for any legal expense, be it a financial emergency, or a wedding, or anything else.

How much personal loan can I get if my salary is Rs. 80,000?

The amount of personal loan you can get depends not only on your salary, but on several factors including your credit history, CIBIL Score, debt-to-income ratio, and so on.

Read More Read Less