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All about Flexi Loan

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Features and benefits of our personal loan

Features and benefits of our personal loan 00:40

Features and benefits of our personal loan

 Watch this video to know everything about our personal loan

  • 3 unique variants

    3 unique variants

    Pick the loan variant that suits you best: Term loan, Flexi Term Loan, and Flexi Hybrid Loan.

  • No part-prepayment charge on Flexi Term Loan (Flexi Dropline) & Flexi Hybrid Loan

    No part-prepayment charge on Flexi Term Loan (Flexi Dropline) & Flexi Hybrid Loan

    Repay a part of your loan in advance, at no extra cost. You can part-pay as many times as you want.

    Read about Flexi Term Loan

  • Loan of up to

    Loan of up to Rs. 55 lakh

    Manage your small or large expenses with quick personal loans ranging from Rs. 20,000 to Rs. 55 lakh.

  • Manage your loan easily with repayment options

    Convenient tenures

    Manage your loan easily with repayment options ranging from 12 months to 96 months.

  • Approval in just

    Approval in just 5 minutes

    Complete your entire personal loan application online from the comfort of your home or wherever you are and get an instant personal loan with fast approval.

  • Money in your account

    Money in your account in 24 hours*

    Your bank account will be credited with your loan amount within 24 hours* or, in some cases, on the same day of approval.

  • No hidden charges

    No hidden charges

    Our fees and charges are mentioned clearly on this page itself and also on our loan documents. We advise you to read these in detail before applying.

  • No guarantor or collateral needed

    No guarantor or collateral needed

    You do not need to provide any collateral such as gold ornaments, property papers, or have someone stand as a guarantor.

  • *Terms and conditions apply.

    These features make this one of the best personal loans in India. Still haven’t found what you’re looking for? Click on any of the links at the top of this page.

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Frequently asked questions

How to get a personal loan of Rs. 1 lakh?

Here is a step-by-step guide to applying for a Rs. 1 lakh personal loan:

  • Click on ‘APPLY’ to open our online application form.
  • Enter your 10-digit mobile number and the OTP sent to your phone.
  • Fill in the application form with your basic details, such as your full name, PAN, date of birth, and PIN code.
  • Click on ‘PROCEED’ to visit the loan selection page.
  • Enter the loan amount that you need. Choose from our three personal loan variants –Term, Flexi Term, and Flexi Hybrid.
  • Choose the repayment tenure – you can select tenure options of 12 months to 96 months and click on ‘PROCEED’.
  • Complete your KYC and submit your application.
Our representative will contact you for the next steps. The loan amount will be transferred to your bank account upon the successful verification of your documents.

What is the EMI for a personal loan of Rs. 1 lakh?

The EMI usually depends on the repayment tenure and the personal loan interest rates charged by the lender. You can use a personal loan EMI calculator to find out the EMI of Rs. 1 lakh personal loan.

For instance, if you borrowed Rs. 1 lakh at an interest rate of 13%, the following is your monthly EMI for Rs. 1 lakh loan.

Tenure Approximate EMI at 13% interest rate
2 years 4754
3 years 3369
5 years 2275
What is the interest rate on a Rs. 1 lakh loan?

Age, credit score, monthly income, your relationship with the lender, and a few other factors can have an impact on personal loan interest rates. You can get a Bajaj Finance Personal Loan with competitive interest rates starting from 10% p.a.

How to get a loan of 1 lakh without income proof?

The requirements for a personal loan differ from lender to lender. Your income proof is one of the most critical elements that can influence your loan acceptance. Below are the documents that are required to be submitted when applying for a Bajaj Finance Personal Loan:

  • KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register
  • PAN card
  • Employee ID card
  • Salary slips of the last 3 months
  • Bank account statements of the previous 3 months
What will be the monthly EMI for Rs. 1 lakh personal loan?

The loan amount and interest rate you choose will determine the EMI for a period. You can benefit from our online EMI calculator and obtain precise results for the monthly EMI of your Rs. 1 lakh loan. Simply input your desired loan amount, interest rate, and loan tenure into the monthly EMI calculator to obtain an estimated EMI based on your preferences.

Who is eligible for Rs. 1 lakh loan?

Any individual who meets the eligibility criteria set by the lender can avail of a Rs. 1 lakh personal loan. Borrowers can qualify for a Bajaj Finance Personal Loan by meeting these five simple eligibility criteria mentioned below:

  • Nationality: India
  • Age: 21 years to 80 years*.
  • Employed with: Public, private, or MNC.
  • CIBIL score: 685 or higher.
  • Monthly salary: Starting Rs. 25,001, based on the city you live in.

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

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