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EMI: Rs. 33,750
INSTANT APPROVAL
LOWEST EMI
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EMI: Rs. 33,750
INSTANT APPROVAL
LOWEST EMI
Enter your 10-digit mobile number
EMI: Rs. 33,750
INSTANT APPROVAL
LOWEST EMI
Enter your 10-digit mobile number
All about Flexi Loan
EMI: Rs. 33,750
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EMI: Rs. 33,750
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EMI: Rs. 61,017
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EMI: Rs. 69,030
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EMI: Rs. 81,229
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EMI: Rs. 1,01,806
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EMI: Rs. 1,43,331
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EMI: Rs. 2,68,656
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EMI: Rs. 57,873
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EMI: Rs. 65,978
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EMI: Rs. 78,267
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EMI: Rs. 98,928
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EMI: Rs. 1,40,521
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EMI: Rs. 2,65,845
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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
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3 unique variants
Pick the loan variant that suits you best: Term loan, Flexi Term Loan, and Flexi Hybrid Loan.
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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.
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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.
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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.
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.
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. 30 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 a Personal Loan of Rs. 30 lakh will vary as per the loan interest rate and loan repayment tenure. You can find out the EMI estimates using a personal loan EMI calculator. For example, if you take a personal loan of Rs. 30 lakh at an annual interest of 11.50% with a tenure of five years, you will have to pay an EMI of Rs. 65,978.
Tenure |
Approximate EMI at 11.50% interest rate |
2 years |
1,40,521 |
3 years |
98,929 |
4 years |
78,267 |
Bajaj Finance Personal Loan offers funds ranging from Rs. Rs. 20,000 to Rs. 40 lakh. The following basic 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
