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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

Can I get Rs. 5 lakh personal loan?

Anyone can get Bajaj Finserv 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.

How to apply for a personal loan of Rs. 5 lakh?

Here is a step-by-step guide to applying for a Rs. 5 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.

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.

What is the EMI for a loan of Rs. 5 lakh?

The EMI of Rs. 5 lakh will vary as per the personal loan interest rates and 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. 5 lakh at an annual interest of 14% with a tenure of five years, you will have to pay an EMI of Rs. 11,634.


Approximate EMI at 13% interest rate

2 years


3 years


5 years


Calculate your personal loan EMIs

What is the eligibility for a Rs. 5 lakh personal loan?

Bajaj Finserv Personal Loan offers funds ranging from 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
  • onthly 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.

What can I do with Rs. 5 Lakh personal loan?

Bajaj Finserv 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
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Bajaj Finserv in your city

Puducherry, formerly known as Pondicherry is a charming coastal town on the southeastern coast of India, known for its unique blend of French and Indian influences. The town is also famous for its beautiful beaches, such as Promenade Beach and Paradise Beach, offering serene shores and breathtaking sunsets for relaxation and leisure.

To help residents of Puducherry manage their financial requirements, Bajaj Finance offers collateral-free personal loans of up to Rs. 40 lakh.

Apply online or walk into the nearest branch to get instant approval on your personal loan application.