Personal Loan of Rs. 90,000

Personal Loan of Rs. 90,000

Check your eligibility for a personal loan of Rs. 90,000 in just 2 steps - by entering your phone number and OTP.
Loan Types

Loan Types

FAQs

FAQs

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Rs. 40,000 - Rs. 55 lakh

You may be eligible for a pre-approved offer of Rs. 90,000

Check now

Enter mobile and OTP | Check offer | No branch visit needed

Need Rs. 90,000 for your expenses? Our personal loan gives you the money you need with easy terms and quick approval. Whether it's for a wedding, medical emergency, or home improvement, a Rs. 90,000 personal loan can help you manage costs without stress. Get funds in 24 hours* and handle your expenses on time.


✅ Check your pre-approved loan offer in just 2 steps and see what rate you qualify for.


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Features and benefits of a Rs. 90,000 loan

  • No collateral needed

    You don't have to provide any property or keep a guarantor to avail a personal loan from Bajaj Finance.


    Why this helps: No risk to your assets and faster approval process

  • Minimal documents needed

    Get an instant personal loan of up to Rs. 90,000 by submitting basic documents that prove your income and identity.

  • Repayment flexibility

    We offer a personal loan with flexible tenure of up to 108 months, so you can choose monthly payments that fit your budget.


    Pro-tip: Longer tenure means smaller EMIs, but you'll pay more total interest. Pick what works for your monthly budget.

  • Flexi loan facility

    Make multiple withdrawals from a dropline limit and pay interest only on the withdrawn funds, with our Flexi loans.

  • Quick approval

    Get funds in your account within 24 hours* of loan approval and meet your needs right away.

  • Total transparency

    Bajaj Finance doesn't charge hidden fees and is clear about repayment terms and conditions.

  • Online process

    Apply for an instant personal loan by filling the application form online and completing documentation from home.

  • Pre-approved offers

    You can check if you have a pre-approved offer for a personal loan with just your phone number and OTP – no need to visit the branch.

How much EMI will I need to pay for a personal loan of Rs. 90,000?

TenureApproximate EMI at 13% interest rate
2 yearsRs. 4,279
3 yearsRs. 3,032
5 yearsRs. 2,048

*Terms and conditions apply

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Eligibility criteria for an instant personal loan of Rs. 90,000

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

  • Eligibility criteria

    • Nationality: Indian
    • Age: 21 years to 80 years.
    • Employed with: Public, private, or MNC.
    • CIBIL Score: 650 or higher.
    • Customer profile: Self-employed or Salaried

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


    You can also use our Personal Loan Eligibility Calculator to know how much loan you can get.

  • 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
    • Phone bill
    • Real-time image / photograph
    • Ration card

    Check your eligibility for personal loan using just mobile number and OTP – 100% online process. 

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What is the purpose of a Rs. 90,000 personal loan?

  • You can use our personal loan for many purposes, such as:

    • Wedding expenses
    • Medical emergencies
    • Online courses and higher education
    • Home renovation and repairs

Interest rates and charges for a personal loan of Rs. 90,000

Bajaj Finance offers competitive interest rates and charges on a personal loan. This makes repayment easier and helps with managing your debt.


Other instant personal loan options

Rs. 30,000 Personal LoanRs. 40,000 Personal Loan
Rs. 50,000 Personal LoanRs. 60,000 Personal Loan
Rs. 70,000 Personal LoanRs. 80,000 Personal Loan

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Key offerings: 3 loan types

  • Flexi Hybrid Term Loan
  • Flexi Term (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% p.a.

Processing fees

Up to 3.93% 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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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