Personal Loan

Below are the features that make the Bajaj Finserv Personal Loan a great choice:

• Loan amount of up to Rs. 55 lakh
• Flexible tenures of up to 96 months
• Quick disbursal within 24 hours* of approval
• Unsecured loan which means you do not need a guarantor or collateral
• No hidden charges

*Terms and conditions apply.

If you’re looking for the best personal loan in India, start by comparing interest rates, processing fees, and repayment tenures from different lenders. Check your credit score and eligibility first. Watch out for hidden charges, see how flexible the repayment terms are, and read customer reviews. Plenty of companies offer personal loans, but it’s smarter to go with a trusted lender that offers fair terms, clear policies, and fits your financial comfort zone.

A personal loan balance transfer means moving your existing loan to another lender that offers a lower interest rate or better terms. This can bring down your monthly EMI, cut your total interest payable, and make your loan easier to manage.

You borrow a fixed amount and repay it in EMIs over a chosen tenure. Interest is charged on the principal, and no collateral is required. Bajaj Finserv Personal Loan offers competitive interest rates, quick disbursal, and flexible repayment tenure, making it an ideal choice to manage your finances.

Our personal loan can be approved within 5 minutes, depending on your eligibility and documents.
*Terms and conditions apply

You need a CIBIL Score of 685 or above, to get our personal loan.

No, Bajaj Finserv Personal Loans are unsecured, so you don’t need to provide any security or collateral to apply.

A Flexi day-wise interest calculator shows how interest builds up and repayments work for Flexi Loans. It helps you track costs, plan better, and save on interest by managing your withdrawals and repayments smartly.

You can set up a NACH mandate with your bank to pay the personal loan through EMIs.

You can get a personal loan ranging from Rs. 40000 to Rs. 55 lakh Inclusive of insurance premium, VAS charges, Flexi facility charges, and processing fees without pledging any collateral.

To get a quick personal loan, you only need to meet a few basic personal loan eligibility and document requirements:

• You must be between 21 years and 80 years of age
• You must be a salaried individual employed with an MNC, public or private company
• You must be a residing citizen of India
• If you meet the salary requirement based on your city of residence, you can qualify for the loan.

You should be 80 years or younger, at the end of the loan tenure

Here is why you should choose a Bajaj Finserv Personal Loan

*Terms and conditions apply

A personal loan eligibility calculator gives you an idea of how much you loan you can get, based on your income, credit score, and other details. However, final approval depends on the lender, and may involve additional parameters.

The ideal credit score to get instant paperless approval for the best personal loan in India differs from lender to lender. A CIBIL Score of 685 and above is required to get a Bajaj Finance Personal Loan.

Since our personal loan is unsecured, it is a loan without security. You do not have to pledge collateral such as property or gold to get our personal loan.

We offer competitive and affordable interest rates on the Bajaj Finserv Personal Loan, starting at just 10% p.a.* You can choose a long or short repayment tenure, depending on your budget, ranging from 12 months to 96 months.

Processing fees are charges that are usually levied on the total loan amount sanctioned. Bajaj Finance Ltd charges up to 3.93% of the loan amount (inclusive of applicable taxes).