Features and Benefits of personal loan for Rs. 10,000 salary

  • Quick approval

    Quick approval

    Meet our simple eligibility criteria and get approval in just 5 minutes.

  • Money in just %$$PL-Disbursal$$%*

    Money in just 24 hours*

    Get your loan amount transferred to your account within 24 hours* of approval.

  • Repay the loan in %$$PL-Tenor-Max-Months$$%

    Repay the loan in 96 months

    Choose a tenure of up to 8 years to repay your loan.

  • No collateral, minimal paperwork

    No collateral, minimal paperwork

    Submit only a few basic documents to get your personal loan instantly, no need to pledge any security.

  • Online loan account

    Online loan account

    Manage your EMIs and view your online loan statement with our customer portal, My Account.

  • 100% transparency, no hidden charges

    100% transparency, no hidden charges

    Find all the terms and conditions mentioned upfront in your loan agreement.

The eligibility parameters for Bajaj Finserv and most other lenders require you to have a good CIBIL Score and a reasonably high salary at a reputable organisation to qualify for a personal loan. Therefore, if your salary is less than Rs. 10,000, you may need to convince the lender about alternative sources of income that you intend to use to repay your personal loan.

However, it is ideal that you meet all other eligibility criteria and submit all the minimum documents necessary to stand a chance of getting approval on your application for a personal loan for Rs. 10,000 salary.

With quick approval and disbursal within 24 hours*, Bajaj Finance Personal Loan on Rs. 10, 000 salary is a handy solution to meet your financial requirements. Plan your loan repayment with the personal loan EMI calculator and make an informed decision.

*Terms and conditions apply

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Eligibility Criteria of Personal Loan for Rs. 10000 Salary

  • Nationality


  • Age


    21 years to 80 years*

  • CIBIL score

    CIBIL score

    685 or higher

You can check the Personal Loan Eligibility Calculator to estimate your eligibility.

*Terms and conditions apply.

Documents required for an instant loan on a Rs. 10,000 salary

Minimal documentation is one of the most significant advantages of Insta Personal Loans, and in some cases, you might not even need to provide any documents. In case you are asked for documents, you will only need the following:

  • KYC documents such as Aadhaar, passport, driving license, voter’s ID, or a Letter of National Population Register
  • PAN card
  • Cancelled cheque
  • Bank account statements for the last 3 months
  • Salary slips for the last 3 months

What is the EMI for a Rs. 10,000 instant loan?

The EMI depends on the amount, tenure, and interest rate. For example, the EMI for a Rs. 10,000 instant loan at an interest rate of 13%, for a tenure of 1 year would be approximately Rs. 893.

How to apply for a personal loan with a salary less than Rs. 10,000?

Here is our detailed guide to applying for a personal loan with Rs.10000 salary online:

  1. 1 Click on ‘Apply Online’ to open the online application form
  2. 2 Share your mobile number and verify your profile with an OTP
  3. 3 Fill in your basic personal and professional details
  4. 4 Upload the required documents for verification and submit the form

Our representative will get in touch with you to guide you on the next steps of getting your loan.

Personal Loan on Low Salary Less Than Rs. 10,000

Personal loan for a salary less than Rs. 12,000

Personal loan for a salary less than Rs. 15,000

Personal loan for a salary less than Rs. 20,000

Factors that affect your personal loan amount

There are several factors that influence how much amount you can borrow with a personal loan. Some of the key factors are:

1. Credit score
2. Monthly income
3. Debt-to-income ratio
4. Credit and repayment history
5. Employment history

Frequently Asked Questions

Can I get a personal loan if my salary is less than Rs. 10,000?

The minimum salary requirement depends on the lender. You can choose to include a co-applicant to improve your chances of getting approval. You can also check if you have a Bajaj Finance Insta Personal Loan offer.

Can I get a personal loan if I do not have a salary slip?

Both salaried and self-employed individuals can opt for our Insta Personal Loan. Select customers can get the funds without submitting any documents.

What is the minimum salary to get a personal loan?

The eligibility criteria vary based on the lender. The minimum salary required to get a Bajaj Finance Personal Loan is Rs. 25,001.

How to get a Rs. 10,000 personal loan without a salary slip?

Selected customers with a pre-approved offer can get our Insta Personal Loan without submitting a salary slip.

What is the credit score that I need for a Rs. 10,000 loan?

To get our personal loan, you need to have a credit score of 685 or higher.

How can I get a small loan immediately?

Getting an Insta Personal Loan from Bajaj Finance is simple. You only need to follow the steps below.

  • Click on ‘CHECK OFFER’.
  • Enter your 10-digit mobile number and OTP.
  • Go with the pre-assigned limit or choose a different loan amount.
  • Choose a repayment tenure that suits you best.
  • Click on ‘PROCEED’ to complete the online process.

The online process may differ depending on whether you are a new customer or have an existing relationship with us.

Can I get a personal loan if my salary is Rs. 10,000?

Any individual who meets the eligibility criteria set by the lender can get a personal loan. Borrowers can check the pre-approved offer to get our Insta Personal Loan without submitting the salary slips.

Can I get a personal loan if I get a cash salary?

Yes, you can get a personal loan even if you get a cash salary. Please note that you will need salary slips and a valid bank account, among other requirements, apply for our personal loan.

What is the disbursal time for Rs. 10,000 urgent loan?

Bajaj Finance Personal Loan is disbursed within 24 hours*.

How can I get an urgent loan of Rs. 10,000?

With a Bajaj Finance Personal Loan, the minimum loan amount you can borrow is Rs. 20,000.

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