Features and benefits

  • Approval in just %$$PL-Approval$$%*

    Approval in just 5 minutes*

    Get approval instantly once you qualify for the personal loan per our basic eligibility terms.

  • Disbursal in %$$PL-Disbursal$$%*

    Disbursal in 24 hours*

    No waiting or following-up. Get the money in your bank account on the same day post-approval.

  • Zero collateral required

    Zero collateral required

    Get the loan without having to mortgage an asset.
  • Repayment convenience

    Repayment convenience

    Repay the loan with ease by choosing a tenor of up to 5 years.

  • Basic documents

    Basic documents

    Submit minimal paperwork and get the loan hassle-free.

  • Pre-approved offers

    Pre-approved offers

    If you are an existing customer, opt for a pre-approved personal loan to maximise convenience and speed.

  • Lower EMIs by up to %$$PL-Flexi-EMI$$%*

    Lower EMIs by up to 45%*

    Enjoy repayment flexibility with our Flexi facility and pay interest-only EMIs.

  • No hidden charges

    No hidden charges

    Our terms and conditions, fees and charges are clearly mentioned so you can avoid surprises.
  • Digital loan management

    Digital loan management

    Log in to our customer portal to view interest statements, pay EMIs, see personal loan interest rates, and more.

Bajaj Finserv offers personal loans of Rs. 3 lakh to help you achieve your goals and meet last-minute requirements for cash. Use the funds to renovate your home, pay off debt, finance higher education, travel, or a wedding. By keeping our eligibility criteria simple and our list of documents short, we make the application process easy.

This personal loan is ideal for getting the finances you need as you don’t have to pledge any collateral or get stalled by tedious processes. Quick disbursals of funds in as few as 24 hours* and online loan management add to your convenience. If you are an existing customer, you enjoy an even more shortened process to get a personal loan of Rs. 3 lakh with pre-approved offers.

For hassle-free repayment planning, use the Personal Loan EMI Calculator online.

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How much EMI will I need to pay for a personal loan of Rs. 3 lakh?


Approximate EMI at 13% interest rate

2 years


3 years


5 years


Eligibility criteria

  • Nationality



  • Age


    21 years to 67 years*

  • CIBIL score

    CIBIL score

    750 or higher

To check your eligibility easily, use our Personal Loan Eligibility Calculator online.

How to apply for a personal loan of Rs. 3 lakh?

Here are the steps to apply for an online personal loan:

  1. 1 Click on APPLY ONLINE to go to our online application form
  2. 2 Input your phone number and verify your profile with an OTP
  3. 3 Fill in your basic personal, financial, and professional data
  4. 4 Attach the needed documents and submit the online form

Get the next steps from our representative who will contact you.

*Conditions apply 

Frequently asked questions

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

Here’s how you can avail of a personal loan worth Rs. 3 lakh:

  • Provide the personal, financial and employment details in the online loan application form.
  • Select the loan amount and the repayment tenor.
  • Provide all the relevant documents to the representative.
  • Get the loan amount credited within a short time.
What is the EMI amount for Rs. 3 lakh personal loan?

To find the EMI amount for a personal loan of Rs. 3 lakh, you can use the Bajaj Finserv Personal Loan EMI Calculator. Provide the loan amount, tenor and interest rate to compute the EMI details in a few minutes. For instance, if you have availed of a personal loan of Rs. 3 lakh over a tenor of four years at 13% interest, it will attract an EMI of Rs. 8,048.