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Personal Loan Interest Rates & Charges

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Personal Loan Interest Rates & Charges

With Bajaj Finserv, you do not have to worry about any hidden fees or charges. Here are the charges applicable on your personal loan:

Types of Fees

Charges Applicable

Interest rate
12.99% onwards
Processing fees
2.25% - 3% of the loan amount
EMI bounce charges
Rs. 1,200 per bounce
Penal interest
2.38 % default interest including taxes per month
Secure fee (only for online approvals)
Rs. 4,499

Personal Loan Foreclosure Charges

Borrower Type

Time Period

Foreclosure Charges

All borrowers
More than 1 month from date of loan disbursal
4% plus applicable taxes on principal outstanding*

*Foreclosure charges for term loan will be applicable on the current principal outstanding.

*Foreclosure charges for Flexi loans will also be calculated on the current principal outstanding.

Part-prepayment Charges for Personal Loan

Borrower Type

Time Period

Foreclosure Charges

All borrowers
More than 1 month from date of loan disbursal
2% plus applicable taxes on part-payment amount paid*

*Part-prepayment made should be more than 1 EMI.

*These charges not applicable for Flexi Loan and Flexi Loan facilities.

Annual Maintenance Charges for Personal Loan

Flexi Interest-only Loan

Flexi Term Loan

Loan Limit

0.25% on sanctioned amount*
0.25% on Flexi Term Loan*
0.25% on Flexi Term Loan*

*These charges will be levied annually.

Quick Links

Calculate your Personal Loan EMI

Apply for Flexi Personal Loan Online

Check your Personal Loan Eligibility

Apply for Personal Loan Online

Check Pre-approved Personal Loan Offer

Personal Loan Interest Rates & Charges

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