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EMI: Rs. 3,375
INSTANT APPROVAL
LOWEST EMI
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EMI: Rs. 3,375
INSTANT APPROVAL
LOWEST EMI
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EMI: Rs. 3,375
INSTANT APPROVAL
LOWEST EMI
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All about Flexi Loan
EMI: Rs. 3,375
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EMI: Rs. 3,375
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EMI: Rs. 6,102
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EMI: Rs. 6,903
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EMI: Rs. 8,123
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EMI: Rs. 10,181
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EMI: Rs. 14,333
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EMI: Rs. 26,866
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EMI: Rs. 5,787
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EMI: Rs. 6,598
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EMI: Rs. 7,827
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EMI: Rs. 9,893
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EMI: Rs. 14,052
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EMI: Rs. 26,585
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Rs. 3 Lakh Personal Loan
A Rs. 3 lakh personal loan can help you manage urgent expenses with ease. Whether it's for medical bills, education, weddings, or travel, a personal loan of Rs. 3 lakh offers quick approval, flexible tenures.
You can easily apply for a personal loan of Rs. 3 lakh at competitive interest rates with quick disbursal and minimal documentation. The online application process ensures instant approval, making it convenient to access funds during emergencies. You can also select a flexible tenure that suits your repayment capacity when applying for a Rs. 3 lakh personal loan.
Apply today to manage your urgent financial needs seamlessly and meet your goals without any hassle.
Why get a Rs. 3 lakh personal loan
A personal loan 3 lakh from Bajaj Finance helps you manage unexpected expenses quickly and without hassle. Whether for education, urgent home repairs, or personal projects, a Rs. 3 lakhs loan provides flexible, unsecured funding with no collateral required.
Applying online is fast and easy through digital platforms. Once approved, your funds are typically credited within 24 hours*. With competitive interest rates and affordable Rs. 3 lakh loan monthly EMI options, repayment is simple and stress-free. For reliable and speedy financial support, the Rs. 3 lakh loan is an excellent choice.
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. 40000 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.
Eligibility criteria of personal loan up to Rs. 3 lakh
Meeting the eligibility criteria is essential for loan approval. Understanding the eligibility and documents for personal loan is essential to ensure a smooth
application process. Meeting these criteria can help you secure a personal loan 3 lakhs quickly and with minimal hassle.
- 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.
Use the personal loan eligibility calculator to assess your eligibility instantly and plan your loan application confidently. Ensure you meet the criteria for smooth processing and quick disbursal.
Documents required for a Rs. 3 lakh loan
To apply for a Rs. 3 lakh personal loan, it’s important to have the correct personal loan documents.
- 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
Rs. 3 lakh personal loan EMI for 5 years
When considering a Rs. 3 Lakhs personal loan, understanding your monthly EMI is crucial for planning your finances. The EMI amount depends on the interest rate, tenure, and loan amount.
Use the personal loan EMI calculator to estimate your exact monthly repayment and make well-informed decisions. Here's an indicative EMI table for a 5-year loan tenure:
Loan amount |
Interest rate |
Tenure |
EMI amount |
Rs. 3 Lakhs |
12% p.a. |
5 years |
Rs. 6,700 |
Rs. 3 Lakhs |
14% p.a. |
5 years |
Rs. 7,000 |
Rs. 3 Lakhs |
16% p.a. |
5 years |
Rs. 7,300 |
Rs. 3 lakh personal loan interest rate, fees & charges
When looking to get a Rs. 3 lakh loan, understanding the Bajaj Finance personal loan interest rate on Rs. 3 lakh is essential. The interest rate depends on factors such as your credit score, income, and loan amount. Checking the personal loan interest rate beforehand ensures you make an informed borrowing choice and manage your repayments effectively.
How to apply for a Rs. 3 Lakh personal loan
To apply for a personal loan of Rs. 3 Lakhs, follow these steps:
- 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 Term Loan.
- 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.
Explore personal loan options
Frequently asked questions
To know how to get Rs. 3 lakh loan in one day, apply online for a pre-approved offer, keep your documents ready, and maintain a good credit score to ensure quick approval and fast disbursal.
The EMI for a personal loan depends on the repayment tenure and interest rate. For example, the Rs. 3 lakh personal loan EMI for 5 years at 13% interest is approximately Rs. 2,275 per month. You can easily calculate your exact EMI using our personal loan EMI calculator by entering the loan amount, tenure, and applicable interest rate.
Here’s a quick glance at approximate EMIs at 13% interest:
- 2 years: Rs. 4,754
- 3 years: Rs. 3,369
- 5 years: Rs. 2,275
Use the calculator to find your customised Rs. 3 lakh personal loan EMI plan instantly.
The EMI for a Rs. 3 lakh loan starts at approximately Rs. 6,400 per month for 60 months, depending on the interest rate and repayment tenure.
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.
Salary requirements can vary. It’s important to review the eligibility criteria and terms and conditions before submitting your personal loan application.
The salary requirement for a Rs. 3 lakh personal loan depends on the lender's policies and eligibility criteria. Generally, lenders assess the applicant's income, financial stability, and repayment capacity to determine the minimum income needed.
While income documents are usually required, some lenders offer a 3 lakh loan without income proof by accepting alternative documents like:
- 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
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
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
To apply for a Rs. 3 lakh personal loan without documents, look for lenders who offer minimal documentation loans online. While most require basic personal and financial details like KYC, income proof, employment status, and credit score, some providers simplify the process to help you get quick approval with fewer documents.
You can get a Rs. 3 lakh personal loan without collateral by meeting lender requirements like sufficient income, a good credit score, and submitting minimal documents.
A credit score of 685 or higher is generally preferred to qualify for an instant Rs. 3 lakh personal loan, improving your chances of quick approval and better interest rates.
Yes, a Rs. 3 lakh loan on Aadhaar card is possible with additional KYC documents and subject to lender approval based on your credit history and eligibility.
