Explore our pre-approved and other loan options for all your financial needs
Our portfolio of loans
Explore the perfect loan for your needs at our one-stop destination. We offer a variety of loans tailored for individuals, professionals, and MSMEs.
Select loan according to your needs
Loans for personal needs
Loans for business needs
Loans for professional needs
Loans against securities
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All about our loans
Loans tailored for individuals, professionals, and MSMEs
Bajaj Finance offers a wide range of loans for individuals, professionals, and MSMEs - whether you're buying property, renovating your home, covering wedding expenses, or growing your business. Choose from flexible loan structures, including Flexi Loans and Term Loans, to get funding that matches how you plan to repay it.
Loans for individuals:
Whether you're buying a home, funding your child's education, or covering a medical emergency, our personal, home, and gold loans are built around your goals, with competitive interest rates and flexible repayment options.
Loans for professionals:
Doctors, chartered accountants, lawyers, and other professionals can access loans to expand their practice, upgrade equipment, or fund further education, with eligibility criteria suited to their profession and an easy online application process.
Loans for MSMEs:
Micro, Small, and Medium Enterprises can access working capital, machinery financing, and technology-upgrade funding through our secured and unsecured business loans, built to support both day-to-day operations and long-term growth.
End-use flexibility
Most Bajaj Finance loans place no restriction on how you use the funds — the same loan can cover a property purchase, home renovation, wedding, or business expansion, depending on your requirement.
Frequently asked questions
Overview
Features and benefits
Eligibility and document
Application process
What is a Flexi Term Loan?
A Flexi Term Loan gives you a pre-approved credit limit, but you're charged interest only on the amount you actually withdraw and use - not the full sanctioned limit. You can withdraw and repay within the approved limit as your needs change, which makes it a cost-effective option if your funding requirement fluctuates.
What is a Flexi Hybrid Loan?
A Flexi Hybrid Loan combines a Flexi Loan with a traditional term loan. You pay interest-only EMIs at first, then move to EMIs that include both principal and interest. You can also withdraw funds as needed during the loan term, making it suited to borrowers whose financial needs change over time.
What is a Term Loan, and how is it different from a Flexi Loan?
A Term Loan disburses the full sanctioned amount upfront as a lump sum, with a fixed repayment schedule over a set tenure, and interest is charged on the entire amount from day one. A Flexi Loan, by contrast, only charges interest on the amount you've withdrawn. Term Loans suit a clear, one-time funding need; Flexi Loans suit fluctuating needs.
How does the loan application process work with Bajaj Finance?
You can apply for most Bajaj Finance loans entirely online — check your eligibility, submit your documents, and complete verification without visiting a branch. Approval and disbursal timelines vary by loan type; for example, personal loans can be approved with funds credited within 24 hours* for eligible applicants.
*Terms and conditions apply.
Why should you choose a Bajaj Finance Personal Loan?
Bajaj Finance offers personal loan with a host of features and benefits including:
- Quick approval
- Minimal documentation
- Flexi loan facility
- Money in your bank account in 24 hours*
- Flexible repayment tenures
Existing customers of Bajaj Finance can also check their pre-approved offers in just a few clicks.
*Terms and conditions apply
How does a loan help in an emergency situation?
In an urgent crisis, an emergency loan can be a financial lifesaver for you. It provides quick access to funds when unexpected expenses arise, helping cover medical bills, home repairs, or other unforeseen costs. These loans offer peace of mind and a reliable solution during challenging times.
Can a personal loan be used for any purpose?
A Bajaj Finance Personal Loan can be used for a wide range of purposes, including home renovation expenses, travel, education expenses, medical expenses, wedding and more. The flexibility of this loan makes it a versatile financial solution for your diverse needs.
Why should I avail of a gold loan from Bajaj Finance?
Bajaj Finance, through its lending arm Bajaj Finance Limited, offers gold loans of up to Rs. 2 crore at attractive interest rates. Choose from a range of flexible tenures to repay your gold loan. You can also avail of the part-release facility that lets you withdraw some of your gold ornaments as and when you need them.
What is a home loan balance transfer?
Home loan balance transfer is the process of shifting your outstanding loan amount to another lender offering better interest rates or terms. It helps reduce EMI or overall interest payable, provided the new terms suit your financial needs.
What are the benefits of a personal loan?
You can enjoy personal loan benefits, such as flexibility in usage for needs like debt consolidation or home renovations. These loans offer fixed interest rates, predictable monthly payments, and a simple application process. Managing them responsibly can boost your credit score and provide rapid access to funds.
What is the maximum loan against property I can get?
If you meet the eligibility criteria, you can secure a loan against property of up to Rs. 15.50 Crore** from Bajaj Finance. The loan amount approved will depend on several factors such as your age, income profile, property value, CIBIL Score, and other relevant criteria.
What documents are required to get a personal loan?
To secure a personal loan from Bajaj Finance, you need to provide the following personal loan documents:
- KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
- PAN card
- Employee ID card
- Salary slips of the last 3 months
- Bank account statements of the previous 3 months
- Piped gas bill
- Pension order
- Letter of Allotment of Accommodation Issued by Employer
- Property / Municipal tax receipt
- Utility bill
- Phone bill
- Real-time image / photograph
- Ration card
Which factors affect your home loan eligibility?
To qualify for a home loan, individuals must meet specific eligibility criteria that assess their ability to repay. The factors influencing eligibility include:
- Credit score
- Monthly income
- Existing financial obligations and debt
- Employment status
- Applicant's age
Who can apply for a business loan?
Business entities such as partnership firms, private limited companies, self-employed professionals, and self-employed individuals can apply for a business loan from Bajaj Finance. If you are applying for one, you will be required to fulfil the simple eligibility criteria and submit your documents to check your eligibility.
Learn about secured and an unsecured business loan and choose a loan that suits you best.
How to apply for a loan against property balance transfer in India?
To apply for a loan against property balance transfer in India, first check your eligibility and gather necessary documents such as ID proof, address proof, income proof, and property details. You can submit your application online or at a branch. After verification, the lender will approve the loan based on your eligibility.
Can I get a personal loan with a low credit score?
To apply for a Bajaj Finserv Personal Loan, a minimum CIBIL score of 650 is required.
Disclaimer
Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application.