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Rs. 40,000 - Rs. 55 lakh
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A personal loan of Rs. 9 lakh can help you cover unexpected expenses like medical bills, home or vehicle repairs, education costs, or travel plans. You can easily apply online for a Bajaj Finance Personal Loan and enjoy instant approval and quick disbursal.
✅ Check your pre-approved loan offer with phone number and OTP → Apply online in 5 minutes → Receive funds within a day*.
This loan comes with digital management tools to help you access important loan information whenever you need it. You can also benefit from the Flexi loan facility to borrow from your loan limit freely, as needed, and pay interest only on the amount you withdraw. To keep repayment in check and ensure a cost-effective borrowing experience, be sure to use the EMI calculator.
Eligibility criteria for a personal loan of Rs. 9 lakh
You can easily get the funds you need with the below criteria:
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Eligibility criteria
- Nationality: Indian
- Age: 21 years to 80 years.
- Employed with: Public, private, or MNC.
- CIBIL Score: 650 or higher.
- Customer profile: Self-employed or Salaried
*You should be 80 years or younger, at the end of the loan tenure.
To check your eligibility with ease, use our online personal loan eligibility calculator.
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Documents required to get a personal loan of Rs. 9 lakh
To apply for a Rs. 9 lakh personal loan, it’s essential to have the necessary documents ready. These personal loan document requirements ensure smooth and hassle-free approval:
- 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
Check your eligibility for personal loan using just mobile number and OTP – 100% online process.
Features and benefits of personal loan of Rs. 9 lakh
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High loan amount
Manage both small and large expenses with quick personal loans ranging from Rs. 40,000 to Rs. 55 lakh—perfect for business investments, property purchases, or major life events.
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Flexi loans
Make multiple withdrawals from a dropline limit and pay interest only on the withdrawn funds, with our Flexi loans.
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Pre-approved offers
You can check if you have a pre-approved offer for a personal loan with just your phone number and OTP – no need to visit the branch.
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Convenient repayment tenures
Manage your loan easily with flexible repayment options ranging from 12 months to 108 MONTHS, allowing you to choose EMIs that fit your income cycle and budget.
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Approval in just 5 minutes*
Complete your entire personal loan application online from the comfort of your home or office and get an instant personal loan with lightning-fast approval.
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Money in account within 24 hours*
Your bank account will be credited with your loan amount within 24 hours* of approval, or in some cases, on the same day—ideal for urgent business or personal needs.
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Complete transparency - no hidden charges
Our fees and charges are mentioned clearly on this page and in all loan documents. We maintain complete transparency, allowing you to make informed financial decisions.
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No guarantor or collateral needed
You don't need to provide any collateral such as gold ornaments, property papers, or have someone stand as a guarantor—completely unsecured financing.
*Terms and conditions apply.
These features make this one of the best personal loans in India.
How to apply for personal loan of Rs. 9 lakh
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Applying for a personal loan of Rs. 9 lakh is simple and hassle-free. Follow this 5-step guide to complete your application online.
- Click on ‘CHECK ELIGIBILITY’ on this page.
- Enter your 10-digit mobile number and the OTP sent to your phone.
- Check if you have an offer. If not, fill in the application form with your basic loan details, such as your full name, PAN, date of birth, and PIN code.
- Now, click on ‘PROCEED’ to visit the loan selection page.
- Enter the offer or loan amount that you need. Choose from our personal loan variants.
- Choose the repayment tenure and click on ‘PROCEED’.
- Complete your KYC and submit your application.
Our representative will contact you for further steps.
Check your eligibility for personal loan using just mobile number and OTP – 100% online process.
Also Read:
Key offerings: 3 loan types
Personal loan interest rate and applicable charges
Type of fee | Applicable charges |
Rate of interest per annum | 10% to 30.5% p.a. |
Processing fees | Up to 4.13% of the loan amount (inclusive of applicable taxes). |
Flexi Facility Charge | Term Loan – Not applicable Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes) |
Bounce charges | Rs. 700 to Rs. 1,200/- per bounce “Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason. |
Part-prepayment charges | Full Pre-payment:
Part Pre-payment
|
Penal charge | Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount. |
Stamp duty (as per respective state) | Payable as per state laws and deducted upfront from loan amount. |
Annual maintenance charges | Term Loan: Not applicable Flexi Term (Dropline) Loan: Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges.
Up to 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.295% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure |
| Credit guarantee scheme fee | Up to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount |
| Credit guarantee scheme renewal fee | Up to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year. *Renewal Fee to be collected only for 3 subsequent financial years. **If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated. |
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Frequently asked questions
Overview
Application
To apply for a personal loan of Rs. 9 lakh online, follow the below-mentioned steps:
- Enter the personal and employment details to fill up the online application form.
- Select the preferred loan amount and repayment tenor.
- Submit the necessary documents to the representative.
- The lender will credit the loan amount directly to your account.
The EMI of your personal loan will depend on the interest rate and loan repayment tenor. You can calculate the EMI with the Bajaj Finance Personal Loan EMI Calculator. Let’s say you take a personal loan of Rs. 9 lakh for a tenor of five years at the annual interest rate of 16%, your EMI will stand at Rs. 25,506, and the total interest payable will be Rs. 3,24,305.
The repayment tenure typically ranges from 12 months to 108 MONTHS, depending on the lender’s terms and your eligibility.
Yes, you can easily apply online by submitting the required documents and completing the application process. Check your loan offer in just 2 steps and apply online to get our loan.
Approval is usually granted instantly, depending on eligibility, document verification and lender policies.
No, a personal loan of Rs. 9 lakh is generally unsecured, meaning no collateral is required.
A good credit score improves your chances of approval and may result in better interest rates.
Missing an EMI can lead to penalties, increased interest, and a negative impact on your credit score.
The salary requirement for a Rs. 9 lakh loan will differ from lender to lender. The personal loan approval depends on other factors as well, such as your credit history, CIBIL Score, and so on.
Yes, many lenders allow part-payments, but some may charge fees or have specific conditions for early repayment.
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Disclaimer
Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.
For customer support, call Personal Loan IVR: 7757 000 000