These figures come from one couple's quotes from Hyderabad, for a mid-range hotel and the main sights.
| Sample budget for 2, 5 nights | Cost (Rs.) |
|---|
| Return flights for 2, Hyderabad to Singapore | 70,000 |
| 5 nights in a mid-range hotel | 75,000 |
| Food for 6 days | 35,000 |
| Attractions: Sentosa, Gardens by the Bay, Night Safari | 30,000 |
| MRT, buses and taxis | 10,000 |
| Visas and travel insurance for 2 | 9,000 |
| Buffer | 11,000 |
| Total | 2,40,000 |
Last updated: 27th October, 2026
Flights and the hotel take 60% of the total. Hotel rates in Singapore are high by regional standards, so staying near an MRT station outside the Marina Bay area saves money without adding much travel time. Hawker centres serve full meals for a fraction of restaurant prices, and most are open late.
Harsha's anniversary trip
Harsha, 34, works in pharmaceutical research in Hyderabad. His salary is Rs. 95,000 a month, and 774 is his CIBIL score. He and his wife took the trip priced above in March. For their Singapore trip, they paid Rs. 75,000 from savings and borrowed the remaining Rs. 1.65 lakh at an illustrative 15.25% per annum. Their equated monthly instalment (EMI) options were 12 months or 24.
EMI = P × R × (1 + R)^N ÷ [(1 + R)^N − 1]. Here P = Rs. 1,65,000, R = 15.25 ÷ 1,200 and N = months.
| Tenure | Monthly EMI (Rs.) | Total interest (Rs.) | EMI as share of salary (%) |
|---|
| 12 months (1 year) | 14,912 | 13,945 | 15.7 |
| 24 months (2 years) | 8,020 | 27,478 | 8.4 |
Last updated: 27th October, 2026
At 24 months, the EMI is Rs. 6,892 lower and interest Rs. 13,533 higher. The fee for processing tops out at Rs. 6,815. Harsha chose 12 months, so the trip would be paid off before the next one.
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.
Booking a trip to Singapore? 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.