Features and benefits

  • Loans of up to Rs. 40 lakh

    Loans of up to Rs. 40 lakh

    Obtain a high-value personal loan advance that you can use for almost any financial need.
  • Fast online application

    Fast online application

    Fill out the application form online by entering basic details to avail of instalment loans quickly.

  • No collateral

    No collateral

    Apply for an instalment loan without pledging an asset as security.
  • Instant approval

    Instant approval

    Fast approval in 5 minutes* of applying online thanks to simple eligibility criteria.

  • Swift disbursal

    Swift disbursal

    Receive the advance within 24 hours* of approval and verification to address your urgent expenses.

  • Easy repayment

    Easy repayment

    Repay your advance per your budget in small instalments spread over up to 96 months.

  • Flexi loan facility

    Flexi loan facility

    Withdraw, and part-prepay funds from your approved sanction as the need arises for free.

  • 45% lower EMIs*

    45% lower EMIs*

    Opt to pay interest-only EMIs and the principal later to reduce your monthly debt outgo.
  • Personalised advance

    Personalised advance

    Take a look at your pre-approved offer to quickly avail your loan limit if you are an existing customer.

  • Zero hidden charges

    Zero hidden charges

    Read our terms and conditions to be 100% aware of our fees and charges.
  • Online account

    Online account

    Log in to our customer portal, Experia, to view your repayment schedule, pay EMIs, and more.

Instalment loans offered by Bajaj Finserv are advances that are repaid over time via equated monthly instalments (EMIs). You can easily apply for an advance online and obtain funds for all your needs, be it personal or commercial.

Thanks to the simple eligibility criteria, you can get your instalment loan approved in 5 minutes*, and with the documentation requirement being basic, you can get your application verified swiftly. Upon approval and verification, you obtain the advance within 24 hours*.

We offer collateral-free instalment loans, meaning that you do not have to pledge security or mortgage an asset. If you are an existing customer, you can avail of your pre-approved offer to obtain funds more quickly.

To plan for repayment, you can utilise a Personal Loan EMI Calculator. It helps you pick the right repayment term. Strive to repay over the shortest possible tenor to keep your interest payment small. However, pay attention to your EMI.

If you are looking to borrow funds as the need arises, you can opt for the Flexi Loan facility. It also allows you to pay interest-only EMIs, should you require to keep your EMI small.

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Eligibility criteria

  • Nationality


  • Age


    Between 21 years and 80 years*

  • Employment


    Salaried, employed with an MNC, public or private company
  • CIBIL score

    CIBIL score

    More than 685 check your cibil score for free

To estimate the maximum advance you can receive, use the Personal Loan Eligibility Calculator. It tells you how large an instalment loan you may qualify for based on your current income and fixed obligations.

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Interest rates and charges

The competitive personal loan interest rates and minimal fees and charges on the instalment loan make the advance affordable. As you read the terms and conditions, be assured of 100% transparency.

How to apply for instalment loans?

  1. 1 Fill in your employment, financial, and personal details in the application form
  2. 2 Enter the loan amount you desire and choose a suitable tenor to receive approval
  3. 3 Await contact from a Bajaj Finserv representative and submit the necessary documents
  4. 4 Receive the funds in your bank account within 24 hours* of approval and verification

*Conditions apply

Asked frequently questions

What is an instalment loan?

An instalment loan is a type of borrowing where a borrower receives a specific amount of money and agrees to repay it in regular, fixed payments over a set period. Each payment includes both the loan principal and interest, making it easier for borrowers to manage and budget their repayment.

What are the types of instalment loans?

Common types of instalment loans include personal loans, auto loans, mortgages, and student loans. These loans are versatile and involve fixed payments over time, with varying interest rates and terms.