You may, for an eligible offer, if verification completes without a pause, but same-day personal loan disbursal is not guaranteed. Plan as if it could take longer.
Worked example: Aarti in Thane
Aarti is 35 and works as a salaried HR executive in Thane. She earns Rs. 70,000 a month and has a CIBIL score of 765. She is an existing Bajaj Finance customer with a pre-assigned limit. She needs Rs. 90,000 for a car repair and applies 3 days before the garage's deadline, so personal loan disbursal timing does not put her under pressure. She compares the equated monthly instalment (EMI) at an illustrative 15% per annum.
EMI = P × R × (1 + R)^N ÷ [(1 + R)^N − 1]. P is the loan amount in rupees, R is the annual rate divided by 12 and by 100, and N is the tenure in months. The formula spreads the principal and interest into equal monthly payments, so early EMIs carry more interest and later ones more principal. All figures are rounded to the nearest rupee.
| Tenure | Monthly EMI (Rs.) | Total interest (Rs.) | EMI as share of salary (%) |
|---|
| 12 months (1 year) | 8,123 | 7,479 | 11.6 |
| 24 months (2 years) | 4,364 | 14,731 | 6.2 |
Last updated: 19th October, 2026
The 24-month option lowers the EMI by Rs. 3,759 but adds Rs. 7,252 in interest. The processing fee on Rs. 90,000 is up to Rs. 3,717. Aarti picks 12 months (1 year), since the EMI is under 12% of her salary and the personal loan disbursal arrives before her deadline.
What can delay approval: an Insta Personal Loan depends on your relationship with Bajaj Finance and your financial profile. Details that do not match your bank records can slow verification and personal loan disbursal.
Planning ahead for personal loan disbursal? With a Bajaj Finance Insta Personal Loan, you can borrow Rs. 40,000 to Rs. 15,50,000, subject to eligibility. Check your loan offer with your phone number and a one-time password (OTP) → apply online in about 5 minutes → get funds within 30 minutes** after approval.
