Insta Personal Loan Eligibility and Documents

Insta Personal Loan Eligibility and Documents

Check your loan offer in just 2 steps. Select customers can apply without income-proof or other documents.*

FAQs

FAQs

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Eligibility criteria for Insta Personal Loan

The eligibility and paperwork for Insta Personal Loan depends on whether you are a new customer or have an existing relationship with us.

Existing customers

Since you are an existing customer with a pre-approved offer, there are no additional eligibility criteria that apply to you. Find out your loan offer in just two clicks. Some of our existing customers may be asked to submit additional documents, such as your income proof, KYC documents, and bank statement to get the Insta Personal Loan.

New customers

New customers with an Insta Personal Loan offer may need to go through a CIBIL check and provide additional documents. The documentation and application process may change slightly.

Documents required

  • KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
  • PAN card
  • Employee ID card
  • Salary slips of the last 3 months
  •  Bank account statements of the previous 3 months
  •  Piped gas bill
  • Pension order
  • Letter of Allotment of Accommodation Issued by Employer
  • Property / Municipal tax receipt
  • Utility bill
  • Real-time image / photograph
  • Ration card

Age: 21 years to 80 years*

*Higher age limit applicable at the time of loan maturity.

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How to apply for Insta Personal Loan

  • Step-by-step guide to apply for a personal loan

    1. Click on ‘CHECK OFFER’ on this page to open our online form.
    2. Enter your 10-digit mobile number and verify your profile with the OTP sent to your phone.
    3. You will see an offer with a pre-assigned loan limit for you. You can either go with it or choose a lower amount.
    4. Select a repayment tenure that suits you best.
    5. Click on ‘PROCEED’ to complete the online process.
The online process may differ depending on whether you are a new customer or have an existing relationship with us.

Note: Some customers may need to submit additional documents to complete their Insta Personal Loan application process.

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Frequently asked questions

Eligibility

Documents

What is the CIBIL score required to be eligible for a Bajaj Finserv Insta Personal Loan?

Knowing your credit score to get our Insta Personal Loan is not necessary because we check your credit score before extending an Insta Personal Loan offer to you.

How can I check my Insta Personal Loan eligibility?

You do not need to check your Insta Personal Loan eligibility. Existing customers already have a pre-approved offer, while for new customers, we generate a pre-assigned limit by taking multiple criteria in account such as your credit score, repayment history and so on. Check your loan offer in just 2 clicks.

What is the age limit to get an Insta Personal Loan?

You can get a Bajaj Finserv Insta Personal Loan as long as you are between the age of 21 years to 80 years*. Younger applicants generally get a higher loan amount as they have more earning years ahead.

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

What documents are required for an Insta Personal Loan for a salaried applicant?

In most cases, you don’t need to submit any documents to get a Bajaj Finserv Insta Personal Loan. However, depending on your profile, you may be asked to submit additional basic documents like:

  • Passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
  • PAN card
  • Employee ID card
  • Salary slips of the last 3 months
  • Bank account statements of the previous 3 months
  • Piped gas bill
  • Pension order
  • Letter of Allotment of Accommodation Issued by Employer
  • Property / Municipal tax receipt
  • Utility bill
  • Real-time image / photograph
  • Ration card
Can I get loan without any proof?

We extend pre-approved offers to select existing customers after checking their creditworthiness. In some cases, you may be able to get funds without having to submit any proofs such as income proof or salary statements.

How can I get an instant loan without documents?

Our Insta Personal Loan comes with pre-approved offers for existing customers. New customers can generate a pre-assigned limit for themselves. Select customers, depending on their profile, may be able to get the funds without having to submit any documents.

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Disclaimer

Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.