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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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Frequently asked questions

How to get a personal loan of Rs. 3 lakh?

Here is how you can get a Rs. 3 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.

Apply for a personal loan

What is the EMI for a personal loan of Rs. 3 lakh?

The EMI of your personal loan usually depends on the repayment tenure and the interest rate charged by the lender. You can use our personal loan EMI calculator to find out the EMI of Rs. 3 lakh personal loan. All you need to do is fill in the loan amount, tenure and personal loan interest rates to calculate the EMI details in an instant.


Approximate EMI at 13% interest rate

2 years


3 years


5 years


Calculate your personal loan EMIs

What is the minimum salary required for a Rs. 3 lakh personal loan?

The minimum salary required to get our personal loan is Rs. 25,001. However, the salary requirement changes based on your city of residence. Please note that there are other eligibility criteria along with minimum income that are required for a personal loan approval.

How to get a Rs. 3 lakh personal loan without salary slip?

Select existing customers who have a pre-approved personal loan offer may not have to submit documents such as their salary slips. Typically, you are required to submit the following documents to get our personal loan:

  • Passport-size photographs
  • KYC documents
  • Bank account statements for the last 3 months
  • Salary slips for the last 3 months
Who is eligible for a Rs. 3 lakh personal loan?

To get a Rs. 3 lakh personal loan, you only need to meet a few basic eligibility criteria:

  • You must be between 21 years and 80 years* of age
  • You must be a salaried individual employed with an MNC, public or private company
  • You must be a residing citizen of India
  • Your CIBIL Score must be 685 of higher

If you meet the salary requirement based on your city of residence, you can qualify for the loan.

*Terms and conditions apply

Can I get Rs. 3 lakh loan without income proof?

No, Lenders require your income documents while applying for a personal loan. With Bajaj Finance Limited, the following documents are required while applying for a Rs. 3 lakh 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
How to apply for a Rs. 3 lakh loan without documents?

Research financial institutions that specialise in providing Rs. 3 lakh loans online with minimal documentation. Generally, every lender needs basic personal and financial details, such as KYC documents, income proof, employment status and credit score to approve the loan application.

What will be the EMI for Rs. 3 lakh personal loan?

Borrowers can calculate their monthly EMIs using our personal loan EMI calculator. You can also choose the loan tenure which will make your repayment journey easier. For instance, if you take a loan of Rs. 3 lakh for a tenure of 60 months at an 11% rate of interest, your monthly EMI would be 6,523.

How to get Rs. 3 Lakh Loan on an Aadhar Card?

To secure Rs. 3 lakh loan, assess your credit score, income, and eligibility. Research lenders offering the desired loan amount. Complete the application with accurate details, emphasizing your repayment capacity. Provide necessary documentation, such as income proof and identification.

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