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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

    No part-prepayment charge on Flexi Term 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. 40 lakh

    Manage your small or large expenses with loans ranging from Rs. 20,000 to Rs. 40 lakh.

  • Manage your loan easily with repayment options

    Convenient tenures

    Manage your loan easily with repayment options ranging from 6 months to 96 months.

  • Approval in just

    Approval in just 5 minutes

    Complete your entire application online from the comfort of your home or wherever you are and get instant 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.

    Know about interest rates and charges

  • 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.

    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 6 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.

Apply for a personal loan

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

The EMI of your personal loan usually depends on the loan repayment tenure and the interest rate 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 EMI.

Tenure

Approximate EMI at 13% interest rate

2 years

4,754

3 years

3,369

5 years

2,275

Calculate your personal loan EMIs

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 at 11%.

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Bajaj Finserv in your city

Chandigarh is a capital city shared by two states – Punjab and Haryana. It serves a union territory and has one of India’s highest per capita incomes.

To help salaried individuals of Chandigarh meet their money needs, Bajaj Finserv offers instant personal loans of up to Rs. 40 lakh.

Apply online on our app or website or walk into a Bajaj Finserv branch near you to get quick approval for your personal loan.