Features and benefits

  • High-value unsecured loan
    High-value unsecured loan

    Enjoy collateral-free personal loans of up to Rs. 25 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 60 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 our customer portal, Experia, to track the outstanding loan, monthly instalments, 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. 25 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 67 years*

  • Employment

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

  • CIBIL score
    CIBIL score Check your CIBIL Score for FREE

    More than 750

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 better. 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

Entering the data to get an estimate of 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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