Features and benefits

  • Loan approval in minutes

    Loan approval in minutes

    On meeting the simple criteria and submitting the documentation, you can get instant approval.
  • Instant funds transfer

    Instant funds transfer*

    Get the entire sanction of this unsecured personal loan disbursed to your account within 24 hours of approval.

  • Personalised loan deals

    Personalised loan deals

    Existing customers can avail a pre-approved personal loan and enjoy even faster loan processing.

  • Furnish minimal documents

    Furnish minimal documents

    Enjoy a swift and hassle-free personal loan application process by submitting only the essential documents.

  • Zero collateral

    Zero collateral

    When you opt for this low-salary personal loan, you can safeguard your assets as you do not require to pledge collateral.

  • Flexi Loan facility

    Flexi loan facility

    With the Flexi loan, you can borrow from your sanction, as required and pay interest only on what you withdraw.

  • Adjustable tenor

    Adjustable tenor

    Pick a comfortable repayment tenor of up to 96 months and pay EMIs on your terms.

  • 100% transparency

    100% transparency

    No undisclosed fees and complete transparency of all loan fees and charges.

  • Virtual loan management

    Virtual loan management

    Access digital loan tools to know the loan interest rate, manage EMIs, or check the loan account.

A Bajaj Finserv Personal Loan is amongst the best offerings for easy, hassle-free funding. With this offering, you can get approved for a sanction of up to Rs. 10 lakh, even as a low-income applicant. Thanks to the collateral-free nature, all you have to do is meet the simple criteria and furnish minimal documentation.

The sanction offered on our personal loan has no spending restriction, and you can use it to meet any financial obligation you choose. This includes wedding payments, home renovation, travel, medical emergencies and higher education tuition.

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How much EMI will I need to pay for a personal loan of Rs. 10 lakh?


Approximate EMI at 13% interest rate

2 years


3 years


5 years


Eligibility criteria

  • Nationality


  • Age


    21 years to 80 years*

  • CIBIL score

    CIBIL score

    685 or higher

Once you've qualified for the loan, start planning repayment by using the online loan EMI calculator.

How to apply for personal loan of Rs. 10 lakh?

Applying for the loan is easy after you know your loan amount and the repayment term.

  1. 1 Click the 'Apply Online' button on the website
  2. 2 Fill in the online form with personal, employment, and financial information
  3. 3 Enter the loan amount and pick a tenor
  4. 4 Upload the basic documents and submit the form

An authorised representative will contact you shortly with further instructions.

*Conditions apply

Frequently asked questions

How to get a personal loan of Rs. 10 lakh?

Follow these steps to avail of a personal loan of Rs. 10 lakh in a hassle-free process:

  • Duly fill up the loan application form by providing your personal, financial and employment details.
  • Choose the loan repayment tenor and amount.
  • Provide all the necessary documents to the representatives.
  • Post-approval, you will get the loan amount credited to your account as soon as approved.
What is the EMI amount for a personal loan of Rs. 10 lakh?

The repayment tenor and the interest rate levied on a personal loan determines the EMI amount. For example, a personal loan of Rs. 10 lakh at the interest rate of 14% rate for a repayment tenor of two years will bring an EMI of Rs. 48,013. You can also calculate the EMI of your loan by simply putting the tenor, loan amount and interest rate in the Bajaj Finserv Personal Loan EMI Calculator and get error-free results.