Looking to renovate your home, planning a family vacation, funding your child's education or an upcoming marriage, a Personal Loan from Bajaj Finserv is your answer to instant cash without the wait.

Personal Loan: Features and Benefits

A Personal Loan is a great tool in managing your finances and acts as an impetus in putting your plans into actions. Here are the unique benefits of Bajaj Finserv Personal Loan:

Instant online approval

Get 100% end-to-end online Personal Loan solutions, which include information and assistance for Personal Loan eligibility criteria and documents, application to approval and disbursal. By opting for a Personal Loan from Bajaj Finserv you can get instant approval in 5 minutes and disbursal in your bank within 72 hours, through our online facility. All you need to do is fill an online form and check your Personal Loan eligibility online. Once, approved a Bajaj Finserv representative will get in touch with you and collect the documents required for Personal Loan.

Get funds in 72 hours in bank

We ensure as a standard that funds are at your disposal within 72 hours of the Personal Loan approval. This is the fastest turnaround time by any NBFC in India.

Loans up to Rs.25 lakh

You can apply for a Personal Loan online from Bajaj Finserv up to Rs.25 lakh and repay it at your ease by opting for tenures ranging from 24 months to 60 months.

You can also use the Personal Loan EMI calculator to know how much EMI you will have to pay for your Personal Loan.

Part prepayment facility

There are times when you may have some extra cash in hand, you can then choose to pre-pay a part of your Personal Loan amount which would not only reduce your overall tenure/EMIs but also help you close your Personal Loan quickly. There are no extra charges or fees for pre-payment facility.

These points will help you understand part-prepayment better:

  • You can pre-pay up to six times in a calendar year
  • The minimum pre-payment amount cannot be less than the sum of 3 EMIs.
  • There is no maximum limit for the pre-payment amount for Personal Loan.

You can also avail Flexi Loan, a flexi payment facility for your existing Personal Loan with which you get a benefit of saving interest cost by pre-paying any additional funds that you may have, without any interest being charged on the part-paid amount.

Flexi loans

Flexi loan account is an industry first facility extended by Bajaj Finserv. The advantage of the product is that you can pre-pay and drawdown money within the drop-line facility using a self-service process, which is easy and hassle-free. Once you avail the flexi facility, you stand to benefit by saving interest cost by pre-paying any additional / idle funds that you may have, without any interest being levied on the part-paid amount.

Benefits of Flexi loans

Flexi Loans offers many benefits over an existing term loan:

  • You have the flexibility to pre-pay the loan with idle funds.
  • You can re-avail the pre-paid amount within the drop-line facility at any time within the loan tenor timeframe without any additional documentation.
  • You save on interest costs. Interest is payable only on the utilized loan amount. There is no interest levied on the pre-paid amount.
  • Seamless, easy, hassle-free online transactions on the Bajaj internet portal– experia, the self-service account access tool for drawdown and RTGS that allows you to make pre-payments to Bajaj Finserv Ltd. through net banking facility.

In case of any query please SMS FLEXI PL to 9773633633 or write to us at flexi.pl@bajajfinserv.in

Nil foreclosure charges

In case you choose to foreclose your Personal Loan anytime during your tenure after the first EMI is paid, you can do so without any added foreclosure charges.

Preapproved offers

As an existing customer of Bajaj Finserv, you will be eligible to get exclusive pre-approved offers for Personal Loans from us.

Online account access

Once you’ve availed a Personal Loan from Bajaj Finserv, you can get all information about your Personal Loan like payment schedule, interest certificate, repayment track and key information related to your loans through our digital customer portal.

For details about Personal Loan agreements, terms and conditions or have any questions, you can refer to our Personal Loan FAQs.

Contest Winners

Sparkling Diwali Winners

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Name : Manish Rathod
Location : Mumbai
Date : 7-01-2014
Product won : Hyundai i10 Grand

Dear Vartika,

I would like to thank you and Nazareth for taking care of my entire loan process and selecting me as a lucky winner of online Personal Loan Diwali contest.

I have received the Rs. 5,000 Gift Card as a part of the promotion process.
Finally, I have been selected as lucky winner of Hyundai Grand i10 car which came to me as a pleasant surprise.

Thanks for your help again.
Manish Rathod
Mumbai

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Gift Card Winners

Here's a list of our valued customers who have won the Rs.5000 gift card on taking our Personal Loan

September 13

Name List Location
SHANMUKAVARAPRASA VIDALA BANGALORE
SHAIK RIYAZ BASHA BANGALORE
RAMESH THANGAIYA BANGALORE
KRISHNA CHAITANYA GOLI BANGALORE
SURESH CHETTUR BANGALORE
NARAYAN DESHPANDE BANGALORE
THIVAGAR THIYAGARAJAN PUNE
RITESH DHORE PUNE
DEEPAK JAIN PUNE
RAHUL MORE PUNE
AMIT MUNDHADA PUNE
SHEFALI THANAWALA MUMBAI
ARUL MMOMONTEIRO MUMBAI
MUKESH NAYAK MUMBAI
SYAM GOSALA MUMBAI
VENKATA RAMANIAN KOKA HYD
SAILESH MAMBAPURAM HYD
MAHESH K C DELHI
JAI KUMAR BHALOTIA DELHI
RAGHU VARADA BANGALORE
KARTHIK VASUDEVAN BANGALORE
VENKATESH KRISHNAMOORTHY BANGALORE
PRAKASH MALLAIAH BANGALORE
RAJIV SUBRAMANIAN BANGALORE
CVENUSURESH CHANDRAN PUNE
DHARMENDRASINGH JADEJA JAMNAGAR
DHANANJAY DEVDAS ALVA BARODA
SUNDAR BUSI HYD
KADIRI AHMED KHAN HYD
ANJANEYULU UMMANENI HYD
RAKESH KUMAR RAJAN DELHI
HIMANSHU PALIWAL DELHI
KAML JEET SINGH DELHI
BIJAY KUMAR SAHU DELHI
GAJENDRA SHARMA JAPIUR
SUBHASISH DEY BHARUCH
KANISH SRIVASTAVA BHOPAL
ABDUL AHAD BANGALORE
SAMARENDRA PALKRIT NAGPUR

Blackberry Winners

Here's a list of our valued customers who have won a Blackberry on taking our Personal Loan

Name List Location
AJJU SHAIKH PUNE
RADHAKRISHNA N V BANGALORE
RAJPAL JANGRA DELHI
SREEBALAJI H BANGALORE
RAJNEESH GOEL CHENNAI
HEMANTHKUMAR MADHUSUDHANAN CHENNAI
SWAPNIL PAWAR MUMBAI
RAHUL RATNAPARKHI PUNE
RAJAN SOOD DELHI
ABHIJEET KUMAR BANGALORE
ABHISHEK CHOUDHARY HYDERABAD
ABHISHEK KUMAR CHANDIGARH
ABILAASHH NAIR BANGALORE
ACHANTA SRIKRASHNA BHASKAR PUNE
AJAYA NATHANI HYDERABAD
ALOK CHOKHANI MUMBAI
AMARJIT YADAV BANGALORE
AMBUJ KUMAR SHUKLA DELHI
AMINA SULTANA HYDERABAD
AMIT DHUME MUMBAI
AMIT GUJARATHI BANGALORE
ANAND SHARMA PUNE
ANANDA REDDY GUNNERI BANGALORE
ANIL NAIR PUNE
ANIL PACHPOHE PUNE
ANIMESH BHARTIA DELHI
ANISH BATTA DELHI
ANKUR GARG DELHI
ANNAMMA PHILIP BARODA
ANSHUMAN ROY PUNE
ANUJ MAHESHWARI MUMBAI
ARAVIND BRAHMADEVARA HYDERABAD
ARUN DESAI BANGALORE
ARUN KUMAR MUMBAI
ATUL KAPOOR DELHI
AVINASH SANAP PUNE
AYON CHAKRABORTY BANGALORE
AYON CHAKRABORTY BANGALORE
B KARTHIKEYAN MADURAI
BHARGAV UPPALAPU HYDERABAD
BHASKARAN V BANGALORE
BIJOY KHARIBAM HYDERABAD
BOJESHA N BANGALORE
CHANDRA PRAKASH SHUKLA MUMBAI
DARSHANKUMAR KANUBHAI PATEL PUNE
DEBAL CHAKRABORTY BANGALORE
DEEPAK DAHIYA DELHI
DEEPAK JAIN DELHI
DHANANJAY AWALE PUNE
DHANESH DESHPANDE JAIPUR
DHEERAJ KUMAR KHANNA DELHI
DIVYANG MISTRY RAJKOT
GANGADARAN MAVALLAPALLI BANGALORE
GANSHAHEED SHAIK PUNE
GAURANGA CHATTOPADHYAY DELHI
GAURAV KUMAR LUDHIANA
GIRIDHAR VEPACHEDU HYDERABAD
GODAVARTHI SRINIVAS CHOWDARY BANGALORE
GOPALARAO GAJARAO VIJAYAWADA
GOVIND CHANDRASEKARAN BANGALORE
GOVIND SOOD PUNE
HARSHA MUNNALURI HYDERABAD
HEMRAJ S BANGALORE
HETALKUMAR KACHHADIYA AHMEDABAD
JAGADISWARA RAO SADARAM BANGALORE
JAYWANT AHER PUNE
JENSON THOMAS MUMBAI
JIJU MANI BANGALORE
JOTHIKANNAN MOOKAIYAN BANGALORE
K ANAND BABU BANGALORE
K SURESH KUMAR HYDERABAD
KANNAN MURUGAN HYDERABAD
KARTHIGAYAN A BANGALORE
KARTHIKEYAN GNANAMANI CHENNAI
KETAN TANK PUNE
KETCHUMANI GNANAMANI BANGALORE
KIRAN ARUN PATIL PUNE
KIRAN KULKARNI BANGALORE
KIRTI PRAKASH MUMBAI
KISHORE C V HYDERABAD
KONDAVEETI VENKATESWARA RAO BANGALORE
KOUSHIK BHATTACHARYA PUNE
KRANTHI BABU SRAVANAM BANGALORE
KUNWAR SINGH PUNE
LALIT GOYAL DELHI
LEENA ALIMCHANDANI BANGALORE
LOKESH ADDAGADA HYDERABAD
MADAN KATTA MUMBAI
MAHAVEERA KANNA VIJAYAWADA
MANAV BATRA MUMBAI
MANISH AGARWAL PUNE
MANISH KAPOOR DELHI
MANISH VERMA DELHI
MANJUSHREE GEDDA MUMBAI
MANOHAR SUBBARAYALU MUMBAI
MANOJ BHATNAGAR DELHI
MANU BHATIA DELHI
MOSES ANTONY PUNE
MUDIGANTI VIJAY SUMITH HYDERABAD
MUKESH VERMA PUNE
MUNISAMY SUREN BABU BANGALORE
MURALEEDHARAN V S DELHI
MURALI VIRUDHACHALAM CHENNAI
NAGARAJU GAJAWADA HYDERABAD
NANDA KUMAR DASAPPA BANGALORE
NARASIMHA REDDY GORLA BANGALORE
NARINDER SINGH BANGALORE
NAVEEN PENTAKOTA HYDERABAD
NAVEENKUMAR NAGESH CHILAKWAD BANGALORE
NIMMAKURI PRAKASH PUNE
NIRAJ KUMAR ANAND MUMBAI
NIRANJAN KUMAR HYDERABAD
NITIN SATTELOO NAGPUR
NRIPENDRA NATH DELHI
NUKALA PHANI KUMAR BANGALORE
PADMANABHA REDDY GANGIREDDY CHENNAI
PANKAJ CHAPKE PUNE
PANKEJ KHANNA DELHI
PARANKIMAMVILLA JOHN KOSHY BANGALORE
PINAKI RATH KOLKATA
PRABAKARAN T MUMBAI
PRADEEP SALUJA DELHI
PRASAD DURGAOLI MUMBAI
PRASANNA AAKASH DELHI
PRASANNA MAHIBALAN MUMBAI
PRASANTH C S BANGALORE
PRASHANT NAIR PUNE
PRAVEEN KUMAR L N S BANGALORE
PRITEN NAYAK PUNE
PRITESH MISHRA NAGPUR
PRITHWIRAJ GHOSH BANGALORE
PULKIT HANDA DELHI
RAGHAVENDRA UM PUNE
RAHUL DRAVID DELHI
RAJA SEKHAR KODALI HYDERABAD
RAJAT RASTOGI DELHI
RAJAT SAMANTA MUMBAI
RAJEEV SHARMA DELHI
RAJESH ARORA BARODA
RAMANATHAN S BANGALORE
RAVI KANT DELHI
RAVI KEDIA BANGALORE
RAVIKUMAR MALLAJOSYULA BANGALORE
RAVINDER SARDAR SINGH HYDERABAD
RAVISHANKAR KARAGADA PRAKASH BANGALORE
ROHIT BALKRISHNA SURYAWANSHI PUNE
SABBINENI MURTHY HYDERABAD
SACHIN SURESH VATSARAJ MUMBAI
SACHIN VASANT SAGAR DELHI
SAKET CHATURVDI PUNE
SAM GEORGE BANGALORE
SAMRAT HALDER BANGALORE
SANDEEP GUPTA LUDHIANA
SANJAY GHOSH KOLKATA
SANTOSH DASHRATH JAKAWAR HYDERABAD
SASIKUMAR BALASUNDARAM MUMBAI
SATHYANARAYANAN S BANGALORE
SATYAJIT DAS DELHI
SENTHILKUMAR RAJAKUMAR CHENNAI
SHRAVAN KUMAR HYDERABAD
SHRIDHARAN KRISHNAN MUMBAI
SHWETA MISHRA BANGALORE
SIVAKUMAR A DELHI
SREENIVASULU N PATTIPATI BANGALORE
SRIDHAR ATRE PUNE
SRIKANTH GOVARDHANA G HYDERABAD
SRINIVAS GARAPATI HYDERABAD
SRINIVAS YADAM BANGALORE
SUBHASIS PRATIHARI MUMBAI
SUBROTO GHOSH KOLKATA
SUDHIR KUMAR DELHI
SUJOY BANERJEE CHENNAI
SUMAN SINHA KOLKATA
SUNEEL SINGH DELHI
SUNIL CHALLA HYDERABAD
SUPRIYO BISWAS BANGALORE
SURESH TIWARI BARODA
SURESH VADLAMANNTI CHENNAI
SWARNA DANTHULURI HYDERABAD
TABREZULLA SHAFIULLA BANGALORE
THIRUMALAIKUPPAM MURTHY BANGALORE
UMESH KULKARNI MUMBAI
VIGNESH K BANGALORE
VIJAY THAKARE PUNE
VIJAY THAKARE PUNE
VIJAYA BHASKAR D BANGALORE
VINAYA MADA MUMBAI
VINAYAK RAMANLAL RANA PUNE
VIRAJ DESHMUKH MUMBAI
VIVEK TRIPATHI BANGALORE

iPhone Winners

JAYSON RAWAT DELHI
MANJUNATH RL BANGALORE
SANGHARSH KESAR PUNE
YOGESH POOJARI MUMBAI
VIKRAM CHITALE PUNE
SACHIN JAIN BANGALORE
VALLIESWARAN VAIRAVAN BANGALORE