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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. 40 lakh

    Manage your small or large expenses with quick personal 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 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.

    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.

    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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Bajaj Finserv App for All Your Financial Needs and Goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Explore and apply for co-branded credit cards online.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-approved limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on No Cost EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finserv App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

Frequently asked questions 

How to get a personal loan of Rs. 2 lakh?

Here is a step-by-step guide to applying for a Rs. 2 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 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.

What is the EMI for a personal loan of Rs. 2 lakh?

The EMI amount will vary based on the personal loan interest rate and repayment tenure. For instance, if you apply for a Rs. 2 lakh personal loan for a tenure of three years at a 13% interest rate, you will need to pay an EMI of Rs. 6,739.


Approximate EMI at 13% interest rate

2 years


3 years


5 years


Calculate your personal loan EMIs

What is the monthly interest on a loan of Rs. 2 lakh?

Personal loan interest rates may vary based on the lender's eligibility requirements. However, you can use our EMI calculator to figure out the exact amount of interest you are liable to pay. Input a few key details about the credit borrowed to get in-depth information on monthly payments, total interest payments, and more.

What is the EMI for a Rs. 2.5 lakh personal loan?

You can use our personal loan EMI calculator to determine the EMIs for the amount you wish to borrow. To get the exact EMI on your personal loan, simply select the loan amount, interest rate, and repayment period.

Can I get an Rs. 2 lakh personal loan on an Aadhar card?

Yes, you can use your Aadhar card to apply for a Bajaj Finserv Personal Loan as it is one of the key documents needed to apply. In addition to the Aadhar card, you will also be required to present other KYC documents such as a PAN card/ passport/ voter’s ID, employee ID card, salary slips of the last 3 months, and bank account statements of the previous 3 months.

Can I get a personal loan if my credit score is 690?

Borrowers must meet certain eligibility requirements such as age, credit score, monthly salary, nationality, and other aspects while availing funds. Generally, a CIBIL Score of 685 or higher is required to get a Bajaj Finserv Personal Loan.

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Bajaj Finserv in your city

Chandigarh, the capital city jointly administered by Punjab and Haryana states, functions as a union territory and boasts one of India's highest per capita incomes.

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

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