Features and benefits

  • Collateral-free sanction

    Collateral-free sanction

    Avail an ample loan amount without needing to pledge any assets.

  • Flexible tenure

    Flexible tenure

    Opt for a tenure that ranges up to 96 months and use the Personal Loan EMI Calculator to find the most suitable repayment plan.

  • Repay your loan flexibly

    Repay your loan flexibly

    Choose to pay interest-only EMIs and reduce your monthly outgo significantly with our Flexi loan facility.

  • Swift loan processing

    Swift loan processing

    Get approval within 5 minutes* of applying and enjoy full disbursal within 24 hours*.

  • Furnish minimal documentation

    Furnish minimal documentation

    Submit just basic documents required for personal loan approval, including your ID, address, and income proof.

  • Avail a pre-approved deal

    Avail a pre-approved deal

    Check your pre-approved offer as an existing customer and enjoy even faster loan processing.

  • Manage the loan online

    Manage the loan online

    Get access to the online loan account to manage EMIs, view loan statements, and more.

Getting access to Rs. 4 lakh personal loan is now simpler than ever. Whether you are looking to expand your business, travel, renovate your home, or address an emergency, our loan is a handy option. Take advantage of swift loan processing and get access to funding without any hassles.

To avail of a personal loan of Rs. 4 lakh, simply meet the simple eligibility criteria, gather the documents, and apply online.

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How much EMI will I need to pay for Rs. 4 lakh personal loan?


Approximate EMI at 13% interest rate

2 years


3 years


5 years


Eligibility criteria

  • Nationality



  • Age


    21 years to 80 years*

  • CIBIL score

    CIBIL score

    685 or higher

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

How to apply for a personal loan of Rs. 4 lakh

On meeting the simple eligibility terms, follow these steps to apply for a personal loan online:

  1. 1 Click on ‘APPLY ONLINE’ and fill in the simple application form
  2. 2 Enter your phone number and submit the OTP sent to it for authentication
  3. 3 Fill in basic KYC, income, and employment details
  4. 4 Attach the required documents and submit the form

Await further guidance from our representative who will contact you shortly.

*Conditions apply.

Frequently asked questions

How to apply for a personal loan of Rs. 4 lakh?

Once you fulfil the eligibility criteria required for a personal loan, you can follow these steps to apply for it:

  • Fill up the online application form with accurate personal and financial details
  • Select a suitable loan tenure and amount
  • Submit the necessary documents
  • Following document verification, the amount will be credited to your bank account within 24 hours*
What is the EMI for a loan of Rs. 4 lakh?

Let us say you apply for a personal loan of Rs. 4 lakh at 14% interest with a repayment tenure of two years. In that case, you need to pay an EMI of Rs. 19,205 with a total interest payable of Rs. 60,925. However, the EMI of your personal loan will vary as per the chosen tenure and the lender's personal loan interest rates.

Enter the loan amount, interest rate, and the repayment tenure in the Bajaj Finserv online loan EMI calculator to find the monthly estimates.

What is the monthly EMI for Rs. 4 lakh personal loan?

The EMI amount depends on the rate of interest. In the case of Rs. 4 lakh personal loan, with an interest rate of 11.5%, for a tenure of 5 years, the EMI comes down to approximately Rs. 8,797.

What documents are required for Rs. 4 lakh personal loan?

You are required to submit the following documents to get our Rs. 4 lakh personal loan:

  • Passport-size photographs
  • KYC documents
  • Bank account statements for the last 3 months
  • Salary slips for the last 3 months

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