Avail a unique personal loan with low interest rates from Bajaj Finserv where you pay only interest as EMI ✔ Pay up to 45% lesser EMI ✔ Only Rs.1292 per lakh as EMI ✔ Check your loan eligibility and get online approval in 3 mins ✔ Money in bank in 48 hours ✔ Minimum documentation

Personal Loan: Interest Rates and Charges

For instant loan approvals online of up to Rs.25 lakh

  Applicable charges
Processing fees 2.25% - 3% of the loan amount
EMI bounce charges Rs 1,000 for every bounce
Penal interest 2.00% p.m
Interest rate 14% onwards
Secure fee only for online Rs. 2,499/-


Foreclosure Charges

Borrower Type: Interest Type Time Period (Months) Foreclosure charges
NA >1 4% plus applicable taxes on principal outstanding *

*Foreclosure: charges will be applicable on the current principal outstanding.
*Foreclosure charges for Flexi loans will be calculated on the current principal outstanding


Part prepayment charges

Borrower Type: Interest Type Time Period (Months) Part payment charges
NA >1 2% plus applicable taxes on part payment amount paid

*Part payment made should be more than 1 EMI
*Nil part payment charges for flexi

Annual Maintenance charges

Line of Credit Flexi Loan Personal Line
0.25% on sanctioned amount 0.25% on Flexi Dropline limit 0.25% on Flexi Dropline limit

*Chargers will be levied annually