This 3-city route fits the Australia trip cost above:
- Sydney, 4 nights: The Opera House, the Harbour Bridge, Bondi to Coogee coastal walk and a day in the Blue Mountains.
- Melbourne, 3 nights: Laneway cafés, the Queen Victoria Market and a full-day tour of the Great Ocean Road.
- Cairns, 3 nights: A boat trip to the Great Barrier Reef for snorkelling, and a day in the Daintree rainforest.
Fly back to Sydney for the flight home, or pick a return flight from Cairns or Melbourne if fares allow.
Meera's anniversary trip
Meera, 36, is a salaried product manager at a fintech company in Hyderabad. Her monthly income is Rs. 1,50,000, and her CIBIL report shows 795. She and her husband planned the Australia trip cost in the table for their tenth anniversary. Savings covered Rs. 1,50,000. Meera borrowed Rs. 3,50,000 at an illustrative 12.75% per annum and compared a 3-year equated monthly instalment (EMI) with a 4-year one.
EMI = P × R × (1 + R)^N ÷ [(1 + R)^N − 1]. Here P = Rs. 3,50,000, R = 12.75 ÷ 1,200 and N = months.
| Tenure | Monthly EMI (Rs.) | Total interest (Rs.) | EMI as share of salary (%) |
|---|
| 36 months (3 years) | 11,751 | 73,028 | 7.8 |
| 48 months (4 years) | 9,346 | 98,620 | 6.2 |
Last updated: 2nd November, 2026
A 4-year term eases the EMI by Rs. 2,405 while interest climbs Rs. 25,592. Up to Rs. 14,455 may be charged for processing. Meera kept 36 months, an EMI of 7.8% of her salary.
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.
Meeting the Australia trip cost? 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 → funds may be credited within 24 hours* of approval, subject to verification.
