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EMI: Rs. 13,500
INSTANT APPROVAL
LOWEST EMI
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EMI: Rs. 13,500
INSTANT APPROVAL
LOWEST EMI
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EMI: Rs. 13,500
INSTANT APPROVAL
LOWEST EMI
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All about Flexi Loan
EMI: Rs. 13,500
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EMI: Rs. 13,500
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EMI: Rs. 24,407
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EMI: Rs. 27,612
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EMI: Rs. 32,492
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EMI: Rs. 40,722
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EMI: Rs. 57,332
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EMI: Rs. 1,07,462
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EMI: Rs. 23,149
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EMI: Rs. 26,391
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EMI: Rs. 31,307
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EMI: Rs. 39,571
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EMI: Rs. 56,208
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EMI: Rs. 1,06,338
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Get a personal loan for Rs. 12 lakh instantly
With a personal loan online, you can easily secure a loan up to Rs. 12 lakh with minimal documentation. Offering a competitive Rs. 12 lakh loan interest rate, this loan can meet various needs, such as emergencies, home improvements, or personal expenses. Apply today and benefit from flexible repayment tenure and instant approval.
Why opt for a Rs. 12 lakh personal loan?
A Rs. 12 lakh personal loan is a perfect solution for large expenses that require immediate funding. Whether it's for a medical emergency, home repairs, or a wedding, this loan offers flexibility in repayment along with competitive interest rates and quick disbursal. A personal loan of Rs. 12 lakh can help you meet your emergencies comfortably, by spreading the cost over a long repayment tenure.
Eligibility criteria for personal loan for Rs. 12 lakh
To apply for a Rs. 12 lakh personal loan, it is important to meet the required eligibility criteria. Key requirements for Bajaj Finserv Personal Loan include:
- Nationality: Indian
- Age: 21 years to 80 years*.
- Employed with: Public, private, or MNC.
- CIBIL Score: 685 or higher.
- Customer profile: Self-employed or Salaried
*You should be 80 years* or younger, at the end of the loan tenure.
Documents required for personal loan for Rs. 12 lakh
To apply for an instant personal loan of Rs. 12 lakh, it is a good idea to keep the following documents handy:
- 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
- Real-time image / photograph
- Ration card
Know more about the documents required for personal loan.
Personal loan interest rates for Rs. 12 Lakh
Personal loan interest rates and charges vary based on the lender, credit profile, and loan amount. Ensure you review all applicable charges and the interest rate on personal loan before applying.
How to apply for a personal loan of Rs. 12 lakh
Here is a step-by-step guide to get an instant personal loan of Rs. 12 lakh:
- Click on ‘APPLY’ at the top of this page to open our online personal loan application form.Enter your 10-digit mobile number and the OTP sent to your phone.
- Fill in the application form with your basic loan details, such as your full name, PAN, date of birth, and PIN code.
- Now, 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 guide you on the next steps. The loan amount will be transferred to your bank account on the successful verification of your documents
Check out our personal loan options
Features and benefits of Personal Loan for Rs. 10 lakh
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Features and benefits of Personal Loan
Discover the features and benefits of a Personal Loan—quick approval, minimal paperwork, flexible repayment options, and no collateral required.Explore the features and benefits of a personal loan from Bajaj Finserv. Flexible terms, easy approval.
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3 unique variants
Pick the loan variant that suits you best: Term loan, Flexi Term Loan, and Flexi Hybrid Term Loan.
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No part-prepayment charge on Flexi Term Loan (Flexi Dropline) and Flexi Hybrid Term Loan
Repay a part of your loan in advance, at no extra cost. You can part-pay as many times as you want.
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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.
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Convenient tenures
Manage your loan easily with repayment options ranging from 12 months to 96 months.
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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.
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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.
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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.
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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.
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*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.
Frequently asked questions
Anyone can get a Bajaj Finance Personal Loan by meeting the basic eligibility criteria to manage their big or small expenses. You can also check your pre-approved offer which requires minimal to no paperwork and get funds instantly into your bank account.
Here is a step-by-step guide to applying for a Rs. 12 lakh personal loan:
- Click on ‘APPLY’ to open our online application form.
- Enter your 10-digit mobile number and verify 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.
The EMI for your lowest interest rate personal loan will vary based on loan repayment tenure and other terms. You can find out the EMI estimates using a personal loan EMI calculator. For example, if you take a personal loan of Rs. 12 lakh at an annual interest of 11.50% with a tenure of five years, you will have to pay an EMI of Rs. 26,391.
Tenure |
Approximate EMI at 11.50% interest rate |
2 years |
56,208 |
3 years |
39,571 |
4 years |
31,307 |
Bajaj Finance Personal Loan offers funds ranging from Rs. Rs. 40,000 to Rs. 55 lakh. The following personal loan eligibility criteria must be met in order to apply for a personal loan.
- 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.
Bajaj Finance Personal Loan has no end-use restrictions, allowing you to comfortably cover a wide range of expenses including:
- Medical Emergency
- Wedding
- Higher Education
- Home Renovation
The monthly EMI for a Rs. 12 lakh personal loan depends on interest rate and tenure, typically ranging from Rs. 14,000 to Rs. 26,000 based on your repayment period.
Approval for a Rs. 12 lakh personal loan usually takes 5 minutes, depending on document verification and lender policies.
Yes, unsecured personal loans up to Rs. 12 lakh without collateral are available, subject to eligibility criteria like income and credit score.
A good credit score is important to qualify for a Rs. 12 lakh personal loan and secure better interest rates and loan terms.
