The right time depends on what you want from Dubai:
- Sightseeing, safaris and beaches: November to March, ideally January or February, outside the New Year rush.
- A balance of weather and price: Late October, early November or April.
- Shopping: December and January for the Shopping Festival, or July and August for summer sales at lower hotel rates.
- The least cost: June to August, if you are happy to spend the day indoors.
Imtiaz's family visit
Imtiaz, 31, handles branch operations at a Kozhikode bank; his pay is Rs. 52,000 and his CIBIL score is 739. He planned a 5-night Dubai trip with his parents in late January, after the New Year rush. He borrowed Rs. 1.1 lakh for flights and the hotel at an illustrative 16.75% per annum, looking at the equated monthly instalment (EMI) for a 12-month and an 18-month term.
EMI = P × R × (1 + R)^N ÷ [(1 + R)^N − 1]. Here P = Rs. 1,10,000, R = 16.75 ÷ 1,200 and N = months.
| Tenure | Monthly EMI (Rs.) | Total interest (Rs.) | EMI as share of salary (%) |
|---|
| 12 months (1 year) | 10,019 | 10,234 | 19.3 |
| 18 months (1.5 years) | 6,953 | 15,159 | 13.4 |
Last updated: 27th October, 2026
With 18 months, monthly outgoings drop by Rs. 3,066, while interest on the Dubai trip loan climbs to Rs. 4,925. The processing fee would be no higher than Rs. 4,543. Imtiaz chose 18 months to keep room for the household budget.
What can delay approval: a CIBIL score below 650 or existing EMIs that take up a large share of your income. Names or addresses that do not match across documents, and more than one loan application in the same month, can also slow it down.
Planning a trip to Dubai? With a Bajaj Finance Personal Loan, you can borrow Rs. 40,000 to Rs. 75 lakh, subject to eligibility. Check your loan offer with your phone number and a one-time password (OTP) → apply online → receive funds within 24 hours* of approval.