Key takeaways


An Rs. 80,000 personal loan can help meet planned or urgent expenses without collateral. The minimum personal loan amount is Rs. 40,000, while interest rates start from 10% p.a. Eligible applicants may benefit from quick approval, minimal documentation, and digital processing, subject to applicable eligibility criteria.


  • Loan amount: Rs. 40,000 to Rs. 55 lakh.
  • Interest rate: Starts from 10% p.a.
  • CIBIL Score: A minimum score of 650 may be required.
  • Collateral: No collateral is required.
Personal Loan of Rs. 80,000

Personal Loan of Rs. 80,000

Bajaj Finance offers interest rates starting from 10% p.a., with Rs. 80,000 loan disbursal within 24 hours*. Check eligibility in 2 steps and apply without collateral, subject to applicable eligibility criteria.
Loan Types

Loan Types

Calculator

Calculator

FAQs

FAQs

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Rs. 40,000 - Rs. 55 lakh

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An unsecured personal loan of Rs. 80,000 can be a helpful and versatile solution for managing various financial needs without the requirement of collateral or security deposits. This loan amount is ideal for covering significant expenses like unexpected medical bills, essential home repairs, exciting travel plans, education costs, wedding expenses, or debt consolidation needs.


✅ Check your pre-approved loan offer with phone number and OTP → Apply online in 5 minutes → Receive funds within a day*.


This loan option offers remarkable flexibility and quick processing, making it perfect for addressing both planned and urgent financial requirements. With no security needed, a Rs. 80,000 loan is easily accessible to eligible borrowers with a stable income and a decent credit score, making it convenient for addressing immediate expenses efficiently and effectively.


Why this matters: Rs. 80,000 provides substantial funding for major expenses while remaining manageable in terms of repayment, striking the perfect balance between significant financial support and affordable EMIs.

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How much EMI will I need to pay for a personal loan of Rs. 80,000?

Understanding your EMI obligations helps you plan your budget effectively and choose the right tenure for your financial situation. Here are sample EMI calculations for a Rs. 80,000 personal loan at 13% interest rate:

TenureApprox. EMI at 13% Interest RateApprox. Total Interest PaidApprox. Total Amount Payable
2 years (24 months)Rs. 3,803Rs. 11,272Rs. 91,272
3 years (36 months)Rs. 2,696Rs. 17,056Rs. 97,056
5 years (60 months)Rs. 1,820Rs. 29,200Rs. 1,09,200

Why this comparison helps: Different tenures allow you to balance between affordable monthly payments and total interest costs. Shorter tenures save money on interest but require higher monthly payments, while longer tenures provide smaller EMIs but cost more overall.


Pro tip: Choose a tenure where the EMI doesn't exceed 30-40% of your monthly income to maintain healthy finances and avoid repayment difficulties.



How to calculate EMI on a Rs. 80,000 personal loan

A personal loan EMI calculator can help you accurately determine your EMIs with precision and reliability. You just need to input three simple parameters: the loan amount, rate of interest, and tenure, to get the exact EMI payable for your personal loan instantly.
 

A Personal Loan EMI calculator uses a standard EMI calculation formula to calculate your monthly instalments accurately. The mathematical formula used is:


E = P*r*(1+r)^n/((1+r)^n-1)

Where:

  • E = EMI (Equated Monthly Installment)
  • P = Principal loan amount (Rs. 80,000)
  • r = Rate of interest calculated monthly (Annual rate ÷ 12)

  • n = Tenure/duration in months



Practical example: For a Rs. 80,000 personal loan at an interest rate of 13% per annum for a tenure of 36 months, the monthly EMI will be approximately Rs. 2,696.

Here's how this calculation works:

  • Principal (P) = Rs. 80,000
  • Monthly interest rate (r) = 13% ÷ 12 = 1.08% (or 0.0108)
  • Tenure (n) = 36 months

  • Resulting EMI = Rs. 2,696


Pro tip: Always use EMI calculators to experiment with different tenures and interest rates to find the most suitable repayment plan for your budget and financial goals.


Why this helps: Understanding EMI calculations empowers you to make informed borrowing decisions and choose loan terms that align perfectly with your financial capacity and long-term planning.

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Features and benefits of Rs. 80,000 personal loan

A Rs. 80,000 personal loan offers numerous compelling advantages that make it an excellent financial solution for your diverse needs:


  1. Money in 24 hours*

Our disbursals are remarkably quick, so you can get a personal loan of Rs. 80,000 deposited directly in your bank account within 24 hours* of approval, ensuring you have access to funds when you need them most.


Pro tip: Having all your documents ready and accurate information can make the disbursal even faster, perfect for urgent financial needs.


2. Quick approval

Meet our straightforward eligibility criteria to get instant approval within minutes of submitting your loan application through our advanced digital assessment system.


Why it matters: Quick approval eliminates waiting anxiety and allows you to plan your expenses with confidence, knowing funds will be available soon.


3. Hassle-free paperwork

Apply for a personal loan of Rs. 80,000 easily with minimal documents and a streamlined process that eliminates complex paperwork and multiple submissions.

Time-saving advantage: Most applicants already have the required basic documents readily available, making the process incredibly smooth and efficient.


4. Special loan offers

Existing customers can apply for the Bajaj Finance Personal Loan with pre-approved offers to further expedite the process and often receive preferential rates and faster processing.


Pro tip: Existing customers often enjoy loyalty benefits, including reduced processing fees and better interest rates, making it even more cost-effective.]


5. Repayment flexibility

Choose the most convenient tenor of up to 9 years and plan your monthly payments using our comprehensive EMI calculator for personal loan to find the perfect payment schedule for your budget.


Smart budgeting example: A Rs. 80,000 loan at 13% interest can have an EMI of around Rs. 3,803 for a 24-month tenure, helping borrowers repay the loan within a shorter period.


6. No undisclosed costs

Our personal loan of Rs. 80,000 comes with 100% transparent fees and charges clearly mentioned in the terms and conditions, ensuring no hidden surprises or unexpected costs.

Why this matters: Complete transparency helps you budget accurately and make informed financial decisions without worrying about surprise charges later.


7. No collateral needed

Our unsecured personal loan doesn't require you to pledge any collateral such as property, gold, or fixed deposits, which means there is no risk of losing your valuable assets.


8. Easy loan management

Check EMIs and track loan activity digitally , our comprehensive online customer portal, for 24/7 convenience and complete control over your loan information.


Digital advantage: Online access allows you to monitor your loan progress, view payment history, and manage your account from anywhere, anytime.

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Eligibility criteria for Rs. 80,000 loan

You can easily get the funds you need with the below criteria:

  • Eligibility criteria

    NationalityIndian
    Age21 years to 80 years
    Employed withPublic, private, or MNC.
    CIBIL Score650 or higher.
    Customer profileSelf-employed or Salaried

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


    It’s easy to see if you qualify when you use the Personal Loan Eligibility Calculator.

Interest rates and fees for Rs. 80,000 personal loan

Check the interest rates on personal loans and applicable fees before applying. This can help estimate your EMI and understand the total repayment cost.


Use our interest calculator online to check exactly how much interest you will end up paying on the loan amount you borrow, allowing you to make informed financial decisions.


Factors affecting your interest rate:

  • Credit score: Higher scores typically qualify for the best available rates
  • Income level: Stable, higher income often results in preferential pricing
  • Employment type: Government employees and MNC workers may get special rates
  • Existing relationship: Bajaj Finance customers often receive pre-approved offers

  • Loan tenure: Shorter tenures generally come with lower interest rates



Why this matters: Understanding all costs upfront helps you choose the most cost-effective loan option and avoid any financial surprises during the repayment period.

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Documents required for Rs. 80,000 personal loan

Documentation requirements for a Bajaj Finance Personal Loan are minimal. Five document categories are required at the time of application:


Document CategoryAccepted Options
KYC proofAadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
Identity proofPAN card, Real-time image / photograph
Employment proofEmployee ID card, Letter of Allotment of Accommodation Issued by Employer
Income proofSalary slips — last 3 months, Bank account statements — last 3 months
OthersPension order, Utility bill, Phone bill, Piped gas bill, Property / Municipal tax receipt


 

Know more about the personal loan documents required during application.

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How to apply for personal loan

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

    1. Check loan eligibility – Visit our personal loan page, enter the loan amount you need, select the repayment period, and click on "CHECK LOAN OFFER" to check your loan eligibility.
    2. Enter personal details – Provide your personal, financial, and employment details to receive a personalised loan offer.
    3. Review your loan offer – Check your offer details and adjust the loan amount or repayment tenure, if required.
    4. Complete KYC verification – Verify your identity and bank details to proceed with your application.
    5. Speak to a loan specialist – Once your application is submitted, an executive will contact you with the next steps.

Get Instant Personal Loan of Different Amounts 

Rs. 30,000 Personal LoanRs. 40,000 Personal Loan
Rs. 25,000 Personal LoanRs. 50,000 Personal Loan
Rs. 60,000 Personal LoanRs. 70,000 Personal Loan
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Get personal loan in your city


 

Personal loan in DelhiPersonal loan in MumbaiPersonal loan in PunePersonal loan in Pune
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Personal loan in BangalorePersonal loan in AhmedabadPersonal loan in ChandigarhPersonal loan in Lucknow
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Key offerings: 3 loan types

  • Flexi Hybrid Loan
  • Flexi Dropline Loan
  • Term Loan

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    You can pay interest-only EMIs for up to 36 months, after which, the EMI will consist of both, the principal and the interest. EMI is applicable only on the withdrawn amount.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest on the loan amount you withdraw.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Amount disbursed in one go
    The entire loan amount is disbursed at the start.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest.

  • Flexi facility charges
    No Flexi facility charges.

Personal loan interest rate and applicable charges

Type of fee

Applicable charges

Rate of interest per annum

10% to 30.5% p.a.

Processing fees

Up to 4.13% of the loan amount (inclusive of applicable taxes).

Flexi Facility Charge

Term Loan – Not applicable

Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes)

Will be deducted upfront from loan amount.

Bounce charges

Rs. 700 to Rs. 1,200/- per bounce

“Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.

Part-prepayment charges

Full Pre-payment:

  • Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment

  • Flexi Term (Dropline) Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

  • Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

Part Pre-payment

  • Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment.

  • Not Applicable for Flexi Term (Dropline) Loan and Flexi Hybrid Term Loan.

Penal charge

Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.

Stamp duty (as per respective state)

Payable as per state laws and deducted upfront from loan amount.

Annual maintenance charges

Term Loan: Not applicable

Flexi Term (Dropline) Loan:

Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges.


Flexi Hybrid Term Loan:

Up to 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.295% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure

Credit guarantee scheme feeUp to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount
Credit guarantee scheme renewal feeUp to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year.
*Renewal Fee to be collected only for 3 subsequent financial years.
 
**If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated.

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Frequently asked questions

Overview

How much salary is required to get a personal loan of Rs. 80,000?

The minimum salary to get a personal loan of Rs. 80,000 varies as per the lender and the city you live in.

A CIBIL Score of 650 or higher is required to get our personal loan.

The EMI depends not only on the amount, but the tenure and interest rate as well. For example, the EMI for a Rs. 80,000 personal loan, at an interest rate of 13%, for a tenure of 36 months, will be approximately Rs. 2,696.

You can get a loan even if you get a cash salary, provided you meet the eligibility criteria and submit the required documents. Check your eligibility in just 2 steps and plan your expenses comfortably.

With a Bajaj Finance Personal Loan, you can get the funds within 24 hours* of approval. Check your offer in just 2 steps and apply online to get our loan.

*Terms and conditions apply.

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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*.
For customer support, call Personal Loan IVR: 7757 000 000