Bajaj Finserv Personal Loan – Quick Approval & Low Interest Rates

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Customers Served icon

10 Lacs+

Customers Served

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4.7/5

Google Reviews

Pincodes Serving icon

10,000+

Pincodes Serving

Loans Disbursed icon

2000 Cr+

Loans Disbursed

Bajaj Finserv offers instant personal loans online with loan amounts ranging from ₹40,000 up to ₹55 lakh and interest rates starting from 10% p.a. These are unsecured loans that do not require collateral, and funds can be disbursed quickly, often within 24 hours of approval for eligible applicants.

Bajaj Finserv Personal Loan Features & Benefits

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Quick Online Approval

Instant decision on eligibility within minutes.

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Flexible Loan Amounts

Borrow from ₹40,000 up to ₹55 lakh.

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No Collateral Required

Unsecured personal loan facility.

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Flexible Repayment Tenure

Up to 96 months to suit budget needs.

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Multiple Loan Variants

Choose standard term loans, Flexi loans, or Hybrid options.

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Transparent Charges

All fees and charges are shared upfront

Bajaj Finserv Personal Loan Highlights

Interest Rate10% p.a. – 30% p.a.*
Loan Amount₹40,000 – ₹55 lakh
TenureUp to 96 months (8 years)
Processing FeeUp to 3.93% of loan amount
Prepayment ChargesVaries by loan variant
CollateralNot required

Bajaj Finserv Personal Loan Eligibility Criteria

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Indian resident

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21 – 80 years

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Salaried or self-employed professional in a private/public/MNC firm

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Preferably CIBIL 685+ for better approval chances.

Required Documents for Bajaj Finserv Personal Loan

Identity & Address Proof

Identity & Address Proof

  • CheckAadhaar Card
  • CheckPassport
  • CheckVoter ID
  • CheckDriving Licence
Financial & Employment Proof

Financial & Employment Proof

  • CheckPAN Card
  • CheckSalary slips or income proof
  • CheckBank account statements (last 3 months)
Other Supporting Documents

Other Supporting Documents

  • CheckUtility bills or other KYC documents as specified by the lender.

Types of Bajaj Finserv Personal Loan

Standard Term Loan

Fixed EMI personal loan for varied financial needs.

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Flexi Personal Loan

Overdraft-style loan where you pay interest only on the amount used.

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Flexi Hybrid Term Loan

Combines features of term loan and Flexi options.

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Insta Personal Loan

Pre-approved offers with minimal documentation for faster disbursal.

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Pre-Approved Personal Loan

Existing customers can avail pre-assigned loan limits with quick processing.

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Personal Loan EMI Calculator

One Lakh

Min ₹100000Max ₹99 L
%
Min 9.99%Max 30%
Min 1 yearMax 7 years
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Principal Amount1,00,000
Total Interest10,737
Total Amount1,10,737
Monthly EMI4,614
Principal Amount
Interest amount

Tips to Improve Personal Loan Approval Chances in Bajaj Finserv Personal Loan

Maintain a Good Credit Score

Maintain a Good Credit Score

Your credit score plays a crucial role in personal loan approval. A score of 700+ is generally considered good.

Ensure Stable Income and Employment

Ensure Stable Income and Employment

Lenders prefer applicants with stable employment and a consistent income source.

Apply for a Suitable Loan Amount

Apply for a Suitable Loan Amount

Always apply for a loan amount that aligns with your repayment capacity and financial goals.

Keep All Required Documents Ready

Keep All Required Documents Ready

Incomplete documentation is one of the most common reasons for personal loan delays or rejection.

Clear Existing Debts

Clear Existing Debts

Try to stay clear of all the outstanding debt. If you repay your loans timely, then banks will prefer to lend more loans to you.

Apply Through a Trusted Loan Platform

Apply Through a Trusted Loan Platform

Instead of applying directly to multiple banks, apply through a reliable loan marketplace like LoansJagat.

How to Apply for Personal Loan in Bajaj Finserv Personal Loan

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Apply Online

Apply Online

Click Apply Now and start your loan journey in minutes.

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Share Basic Details

Share Basic Details

Enter your name, contact, and work information to proceed.

03
Verify Eligibility

Verify Eligibility

Get instant loan offers based on your profile and credit score.

04
Upload Documents

Upload Documents

Submit your PAN, Aadhaar, KYC, and income proof securely online.

05
Compare & Choose

Compare & Choose

Pick the best offer from multiple banks and NBFCs.

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Get Instant Approval

Get Instant Approval

Receive quick approval and funds directly in your bank account.

Bajaj Finserv Personal Loan – Quick Approval & Low Interest Rates