Personal Loan

Instant Personal Loan

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An Overview of Online Personal Loans

Fulfil your diverse financing needs with an instant personal loan online. Bajaj Finserv offers personal loans up to Rs.25 lakh which can be availed by meeting minimum eligibility criteria and simple documentation requirements.

This online personal loan is collateral-free and comes with unrestricted end-use. Utilise the loan amount to meet big-ticket expenses like your child’s marriage or education, travel, home renovation, purchasing a used car, consolidation of debt, medical emergencies, and many more. Enjoy quick approval and easy disbursal of the loan, and repay in easy EMIs.

  • Features and Benefits of Instant Personal Loans

  • A collateral-free loan of high value

    Provide necessary documents to avail an instant loan of up to Rs.25 lakh in 5 minutes with Bajaj Finserv. The money is collateral-free and requires you to fulfil basic eligibility criteria.

  • Minimal documentation

    Minimum documentation

    Documents required are minimal, which simplifies the personal loan application process.

  • Instant approval

    Instant loan approval

    Meet minimum eligibility criteria to apply for a personal loan online and enjoy instant approval easily. The availability of the online facility for loan application simplifies the process too.

  • Flexible tenors

    Long and flexible tenor

    Select a flexible loan tenuor of up to 60 months and repay with ease.

  • Pay up to 45% lower EMI

    Flexi hybrid feature

    Opt for the Flexi loan facility that allows multiple withdrawals from a pre-sanctioned loan amount. Also, interest is charged only on the money withdrawn, thus reducing the EMIs substantially.

  • No hidden charges

    Zero hidden charges

    The absence of any hidden charges makes financing transparent for you.

  • Money within 24 hours*

    Fast disbursal

    Once approved, the loan amount is disbursed to your account within 24 hours* of approval.

Personal Loans Eligibility Criteria

Meet minimum loan eligibility criteria to avail the money.

  • Age - Between 20 and 60 years
  • Employment status - Salaried individual employed with a public sector company, a private company, or an MNC
  • CIBIL score - 750 and above
  • Residential status - Residing Indian citizen
  • Minimum income - Depending on the city you reside in

Check your eligibility today to apply.

Documents Required for Instant Personal Loan

Individuals must provide the following documents to avail instant personal loans.

Type of Document Requirement
Proof of identity PAN card, Aadhaar card, Voter ID card, passport, or any other government-issued photo identity proof
Proof of address Aadhaar card, Voter ID card, passport, ration card, utility bills, or any other government-issued proof of address
Income proof Salary slips for the last 2 months and bank account statements for the three previous months

Types of Personal Loans Available in India

Instant personal loans come with no end-use restrictions which make them suitable for meeting diverse urgent funding needs. These advances are also available in customised types to fulfil different financing needs.

  • Wedding
  • Higher education
  • Travel
  • Home renovation
  • Medical emergency
  • Debt consolidation
  • Buying used cars

Opt for a suitable advance per your urgent financing needs. Use an online personal loan EMI calculator to estimate your fixed monthly outgo and choose your tenor accordingly.

How to Apply for Instant Personal Loans Online from Bajaj Finserv?

Proceed with the following steps to apply for quick personal loans online with Bajaj Finserv.

  1. Fill the online application form with essential personal, employment, and financial details.
  2. Opt for a suitable amount and tenor for your pre-approved loan.
  3. Submit the essential documents with our representative.
  4. Enjoy instant approval and quick disbursal of the loan amount to your account.

Apply now to enjoy quick approval.

Bajaj Finserv offers competitive interest rates on personal loans to make repayment affordable for you. Check other fees and charges to make a repayment plan before applying.


How much CIBIL score is required to avail an instant personal loan from Bajaj Finserv?

The minimum ideal CIBIL score required for personal loans is 750.

How can I calculate EMI?

You can calculate your loan EMI with the help of the EMI calculator available online on our website for free.

What is the minimum salary required to get personal loans?

The minimum salary requirement for personal loans depend on the city you live in, the lowest of which starts from Rs.25,000.

What is the maximum loan that I can get?

Salaried individuals can avail a personal loan of up to Rs.25 lakh against simple eligibility.

How long does it take to get approved for loan?

If you have met all necessary eligibility criteria, you can expect to receive instant approval on your loan.

Are my personal loan interest rates fixed or floating?

Personal advances are available at both fixed and floating rates of interest.

How will I know if my personal loan had been approved?

To know whether your instant loan application has been approved, you can check your application status online through the dedicated customer portal or the Experia app. You can also do so offline by visiting your nearest branch.

How can I repay my personal loan?

You can repay your personal advance in monthly instalments/EMIs. You can also opt to part pre-pay or foreclose your loan account before the tenor ends.

How can I check the status of my personal loan application?

Check the status of your loan application at the customer portal online via the ‘track application’ feature or through the Experia app. To check the status offline, visit your nearest branch.

How to get personal loan statement?

You can receive your instant personal loan statement via the customer portal, Experia. Provide your customer ID and validate with an OTP to check statement.

*Conditions apply


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Disclaimer :

Calculator is an indicative tool to check personal loan eligibility and assist the user to calculate the loan amount that the user will be eligible to borrow. Calculation results are approximations and for information purposes only and interest rates quoted are indicative. Actual interest rates and loan eligibility amount will vary. To check eligibility for Personal Loan and know the actual eligibility amount, the user should share his complete and accurate details by clicking on the ‘apply now’ tab and provide additional information/ documents required for assessment of user’s application. Calculation results are not intended to substitute professional advice which the user is advised to seek. Loan terms and conditions apply.