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Personal Loan

Personal Loan

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Get an instant personal loan from Bajaj Finserv

A personal loan is an unsecured loan that can be used for various purposes, including medical treatments, home renovation, travel, wedding and any other urgent financial requirement. With a Bajaj Finserv Personal Loan, you can borrow up to Rs. 25 lakh and get instant approval with minimal documentation. Fulfil our easy-to-meet eligibility parameters and basic documentation process to get the money you need within the same day of approval.

With our flexible tenors ranging up to 60 months, repay your loan at your convenience. What's more, you can also reduce your EMIs by up to 45%* with our Flexi Personal Loan.

Our instant personal loan is available for salaried professionals in India at attractive interest rates and no hidden charges. You can also avail of a pre-approved offer from Bajaj Finserv and get even quicker access to funds.

Here's a look at some of the features and benefits of a Bajaj Finserv Personal Loan:

  • Pay up to 45% lower EMI

    Pay up to 45%* lower EMIs

    Meet your expenses with a Flexi Personal Loan and reduce your instalments by up to 45%*. Borrow money as and when you need it from your sanction, without the hassle of multiple applications and additional documentation.

  • Money within 24 hours*

    Money in the bank within 24 hours*

    Bajaj Finserv offers the fastest personal loans in India – with disbursal in just 24 hours* of your loan getting approved.

  • Instant Personal Loan upto Rs. 25 Lakh

    High loan amount

    You can get an instant personal loan of up to Rs.25 lakh based on your eligibility.

  • Flexible tenors

    Flexible tenor

    Repay your loan with ease over a flexible repayment tenor of up to 60 months.

  • Minimal documentation

    Online process with minimal documentation

    Apply for a personal loan online in a few clicks. Complete the application process by submitting only a few essential documents and get instant loan approval.

  • No hidden charges

    No hidden charges

    What you see is what you get. Our personal loan is transparent and comes with zero hidden charges and easy-to-understand terms and conditions.

  • Instant approval

    Instant approval in minutes

    Meet the basic eligibility criteria and receive paperless approval on your online personal loan application within just 5 minutes.

  • Pre-approved offers

    Pre-approved loan offers

    Avail of the pre-approved offer to enjoy a shorter processing time. If you are an existing customer, all you need to do is provide your basic contact details, share the one-time password (OTP) and check your pre-approved offer.

Check your personal loan EMI

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Disclaimer :

The EMI calculator is an indicative tool and the results may vary based on actual interest rates and the period between disbursal date and the first EMI date. Calculation results are approximate and for information purposes only.

Personal loan for all your special needs

Personal loans are a suitable option for you to fulfil your diverse financial needs. Use a personal loan to meet various funding needs such as:

  • Medical emergencies - Avail of personal loans online with minimal documentation to address medical expenses, which require immediate funding.

  • Debt consolidation - Consolidate multiple debts into one with an instant, high-value personal loan.

  • Higher education - Provide complete financial support to your child during higher education with high-value personal loans. Meet all financing needs such as course fees, travel expenses and hostel charges with personalised personal loans in India.

  • Home renovation - Manage the necessary home renovation and repair expenses with an instant loan and repay it over a flexible tenor of your choice.

  • Used cars - Apply for a personal loan online to finance the purchase of a used car. Avail of a loan at a competitive interest rate and repay it in easy EMIs.

  • Wedding - Meet the high-end expenses of a grand wedding or plan post-marriage trips with the help of a personal loan.

  • Travel - Fulfil your travel goals with funds availed against simple eligibility criteria. Cover all the expenses, including flight tickets and hotel bookings, during your trip to a national or international destination.

How to apply for a personal loan

The application process for a personal loan with Bajaj Finserv is convenient and straightforward. All you need to do is follow these steps:

  1. Fill in the online application form with your personal, employment and financial details
  2. Choose your loan amount and repayment tenor to receive instant approval
  3. A Bajaj Finserv representative will get in touch with you. Submit all the necessary documents to them
  4. Receive disbursal of your loan within 24 hours of approval

Personal loan FAQs

What is a personal loan?

A personal loan is an unsecured loan, which means you don't need to pledge any collateral to receive funds. Availing of one is easy – you can apply online and use the money to meet almost any expense.

Bajaj Finserv, one of the most diversified NBFCs in India, offers instant personal loans with paperless approval and quick disbursal.

Where can a personal loan be used?

It can help you meet a wide range of financial requirements, such as:

  • Medical emergencies
  • Home renovation
  • Higher education
  • Debt consolidation
  • Travel
  • Weddings

What are the documents required for a personal loan?

To avail of a loan, you will need to submit the following documents:

  1. KYC documents
  2. Employee ID card
  3. Salary slips of the previous 2 months
  4. Last 3 bank statements of your salary account

What are the eligibility criteria for a personal loan?

To avail of a quick personal loan, you only need to meet some basic eligibility criteria.

  1. You must be between 20 and 60 years of age
  2. You must be a salaried individual employed with an MNC, public or private company
  3. You must be a residing citizen of India
 

If you meet the salary requirement based on your city of residence, you can qualify for the loan.

What is the minimum salary required to get a loan?

The minimum salary required to avail of a Bajaj Finserv Personal Loan depends on your city of residence. For instance, if you reside in Mumbai, Pune, Bangalore, or Delhi, you must have a minimum monthly salary of Rs. 36,000.

How can I calculate my EMI?

You can use the handy personal loan EMI calculator to determine your monthly instalments.

What is the CIBIL score required to get a loan?

The ideal CIBIL score to get instant paperless approval on Bajaj Finserv Personal Loans is 750 and above.

What is the maximum loan that I can get?

You can borrow money up to Rs.25 lakh without pledging any collateral.

Why should I choose a Bajaj Finserv Personal Loan?

Bajaj Finserv offers personal loans with a range of attractive benefits that include:

  1. Flexi Personal Loan facility
  2. Instant approval
  3. Minimal documentation
  4. Money in bank in 24 hours*
  5. Flexible tenors
  6. Pre-approved offers
  7. No hidden charges

Complete the application form online and get your personal loan.

What is the difference between a term loan and a Flexi loan?

A standard term loan is a fixed loan amount that you borrow as a lump sum. It has a fixed rate of interest and must be repaid over a specific tenor.

On the other hand, a Flexi loan provides you with a pre-approved loan amount based on your credit score and eligibility. You can withdraw money from this approved amount as many times as you need without applying multiple times.

For greater flexibility and convenience, choose a Flexi loan by Bajaj Finserv and lower your EMIs by up to 45%*.

*Terms and conditions apply.

How long does it take to get approved for a personal loan?

With Bajaj Finserv, you can expect approval on your loan application in less than 5 minutes.

How to get quick approval on my personal loan application?

Getting approval on your loan application is easy.

  • Meet the basic eligibility requirements
  • Keep your PAN card handy
  • Get approval in an instant

Alternatively, you can check if you qualify for a pre-approved loan.

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