Features and benefits

  • High-value unsecured loan

    High-value unsecured loan

    Enjoy collateral-free personal loans of up to Rs. 40 lakh. Meet any financial emergency without any hassles because there are no restrictions on end-use.

  • Flexible repayment tenor

    Flexible repayment tenor

    Choose a convenient repayment period extending up to 96 months. Use our online EMI calculator for personal loans to estimate your instalments.

  • Flexi loan facility

    Flexi loan facility

    Pay interest only on withdrawals from a pre-set credit limit and reduce your outgo by up to 45%*.

  • Zero hidden charges

    Zero hidden charges

    There are no hidden charges on the Bajaj Finserv Personal Loan. All terms and conditions are mentioned upfront.

  • Simple documentation

    Simple documentation

    The minimal document requirement for personal loans ensures the quick processing of your application.

  • Disbursal within %$$PL-Disbursal$$%*

    Disbursal within 24 hours*

    Bajaj Finserv offers instant loan approval and disbursal within 24 hours*.

  • Online application

    Online application

    The simple online application streamlines the process of meeting immediate financial emergencies effectively.

  • Pre-approved offers

    Pre-approved offers

    Bajaj Finserv customers can access pre-approved offers and expedite the application by submitting their names and contact details.

  • Quick processing

    Quick processing

    Eligible applicants can expect their loan application to be approved within 5 minutes*.

  • 24x7 online assistance

    24x7 online assistance

    Log in to customer portal- My Account to track the outstanding loan, monthly installments, and more.

Financial emergencies can arise at any time. Secure yourself during such times with an emergency loan from Bajaj Finserv. Avail of a high-value personal loan of up to Rs. 40 lakh against easy-to-meet eligibility criteria. Complete your documentation in minutes and get quick access to the funds you need.

Apply online today and enjoy the host of benefits of an emergency loan.

*Conditions apply

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Eligibility criteria

Bajaj Finserv requires applicants to meet certain eligibility criteria to qualify for an emergency loan:

  • Nationality



  • Age


    Between 21 years and 80 years*

  • Employment


    Salaried individuals employed with a private, public or an MNC enterprise

  • CIBIL score

    CIBIL score

    Check your CIBIL Score for FREE

    More than 685

Apart from meeting Bajaj Finserv’s simple eligibility parameters, ensure you submit all the documents required to get instant approval on your personal loan application. Existing customers can check their pre-approved personal loan offers to get the money in their bank account in just a few minutes.

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Interest rates and charges

Bajaj Finserv offers personal loans at competitive rates to help you manage your loan repayment. Please read about all the terms and conditions before you avail of your loan.

Frequently asked questions

How to calculate interest rates on emergency loans?

Salaried individuals are advised to check out the online EMI calculator for personal loans. Enter the tenor, interest rate, and loan amount. This will evaluate the exact interest payable on monthly instalments.

What are the factors that affect interest rates on emergency loans?

Some of the factors that affect interest rates on emergency loans are as follows:

  • Existing relationship with the lender
  • Credit score and repayment history
  • Monthly income and city of residence
  • Your age and place of employment
How to check the emergency or personal loan eligibility?

Check your loan eligibility using our online Personal Loan Eligibility Calculator. Enter the following details to compute:

  • Monthly income
  • Expenses
  • Birthdate
  • City of residence

Enter the data to estimate the tentative loan amount you are eligible to borrow.

How to reduce the burden of EMIs on emergency loans?

A robust CIBIL score and a good repayment record can go a long way in getting a good deal on your emergency loan. When you avail of the funds you need, try to negotiate a better interest rate and opt for a longer tenor. Once you get the money, try to be prompt with your repayment. Make part-prepayments as and when you have the funds to reduce your EMI or tenor.

Alternatively, choose the Flexi loan facility that can help you lower your EMIs by up to 45%* for the initial part of the tenor.

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