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Bajaj Finserv Personal Loan

Bajaj Finserv offers personal loans to meet the various personal requirements of its applicants. Bajaj Finance Personal Loans are provided with instant approval, minimal documentation and loan disbursal on the same day. Select existing customers can also avail pre-approved personal loan through Bajaj Finance Insta Personal Loans. You can also check for Bajaj Finance personal loan pre-approved offers through Paisabazaar app.

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Bajaj Finance Personal Loan Highlights 2025

Interest Rate 10.00% - 31.00% p.a.
Loan Amount Rs 40,000 to Rs 55 lakh
Tenure Up to 8 years
Processing Fee Up to 3.93% of the loan amount
Loan Approval Time 5 minutes

Bajaj Finserv Personal Loan Interest Rates

Bajaj Finserv Personal Loan interest rates would depend on various personal loan eligibility criteria such as credit score, age, employment, monthly income and debt-to-income ratio. The existing customers may be offered personal loans at more favourable interest rates.

Loan Type Interest Rates (p.a.)
Personal Loan for Salaried 10%-31%
Personal Loan for Chartered Accountants 11%-19%
Personal Loan for Doctors 11%-19%
Insta Personal Loans 16%-31%

Interest Rate Comparison of Other Lenders with Bajaj Finance Personal Loan

Banks/NBFCs

Interest Rates (p.a.)

Processing Fees
HDFC Bank 9.99% - 12.50% Rs. 3,499 to Rs. 6,500
Axis Bank 9.99% onwards Up to 2%
ICICI Bank 11.00% - 13.00% Up to 2%
Kotak Mahindra Bank 9.98% - 17.20% 1.1% - 1.5%
IndusInd Bank 10.35% - 16.50% 1.3% - 2%
IDFC FIRST Bank 9.99% onwards Up to 2%
Federal Bank 12.00% - 19.50% Up to 2%
YES Bank 13.00% - 16.00% 1.5% - 2.25%
Tata Capital 11.99 % - 13.99 % Up to 1.25%
Aditya Birla Finance 10.99% onwards Up to 4%
L&T Finance 11.00% onwards Up to 3%
Hero Fincorp 19.75% - 30.00% 2.3%-3%
Piramal Finance 12.90% onwards Up to 5%
Poonawalla Fincorp 18.00% - 36.00% p.a. Up to 3%
Moneyview 14.00% - 36.00% p.a. Up to 2%

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Bajaj Finserv Personal Loan Fees and Charges

Particulars Charges
Processing Fee Up to 3.93% of the loan amount
For personal loans for CAs & Doctors: Up to 2.95% of the loan amount
Penal Charge Up to 36% p.a. per instalment from the due date until the date of receipt of the full instalment is made
Part Pre-payment Charges Up to 4.72% of the principal amount of the loan prepaid on the date of such part-payment (Part-payment is not applicable for flexi term loan & flexi hybrid term loan)
Full Pre-payment Charges - Term Loan: Up to 4.72% on the outstanding loan as on the date of full pre-payment

-Flexi Term Loan & Flexi Hybrid Term Loan: Up to 4.72% of the dropline limit as per the repayment schedule as on the date of full pre-payment
Bounce Charges -Up to Rs. 1,200 per bounce;
-Rs. 700 per bounce for Insta Personal Loans
-Rs. 1,500 per bounce for CAs and doctors
Stamp Duty As per actuals
Flexi Facility Charge Term Loan: Not applicable

For loan amount less than Rs. 2 lakh: Up to Rs. 1,999
For loan amount Rs. 2 lakh to less than Rs. 4 lakh: Up to Rs. 3,999
For loan amount Rs. 4 lakh to less than Rs. 6 lakh: Up to Rs. 5,999
For loan amount Rs. 6 lakh to less than Rs. 10 lakh: Up to Rs. 7,999
For loan amount Rs. 10 lakh to less than Rs. 15 lakh: Up to Rs. 8,999
For loan amount Rs. 15 lakh to less than Rs. 20 lakh: Up to Rs. 9,999
For loan amount Rs. 20 lakh to less than Rs. 25 lakh: Up to Rs. 10,999
For loan amount Rs. 25 lakh to less than Rs. 30 lakh: Up to Rs. 11,999
For loan amount Rs. 30 lakh & above: Up to Rs. 12,999

Annual Maintenance Charges

Term Loan Not applicable
Flexi Term Loan Up to 0.295% of the dropline limit (as per the repayment schedule) on the date of levy of such charges
Flexi Hybrid Loan -Up to 0.295% of the dropline limit during initial tenure
-Up to 0.295% of the dropline limit during subsequent tenure

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Types of Bajaj Finserv Personal Loan

Personal Loan for Salaried Individuals

  • Purpose: Salaried applicants can avail Personal Loans for Salaried from Bajaj Finserv to meet their various financial requirements related to travel, wedding, medical emergencies, education, debt consolidation, home renovation, etc.
  • Loan Amount: Up to Rs 55 lakh
  • Tenure: Up to 8 years

Personal Loan for Doctors

  • Purpose: Bajaj Finserv offers Personal Loan for Doctors for financing the personal and professional needs of doctors such as renovation of clinic, expansion of practice, upgradation of equipments, etc.
  • Tenure: Up to 8 years
  • Loan Amount: Up to Rs 80 lakh

Personal Loan for Chartered Accountants

  • Purpose: Bajaj Finserv offers Personal Loan for Chartered Accountants to meet the various personal and professional needs of CAs such as business expansion, business travel, office renovation, wedding, travel, home renovation, debt consolidation, etc.
  • Loan Amount: Up to Rs 75 lakh
  • Tenure: Up to 8 years

Insta Personal Loans

  • Purpose: Insta Personal Loans are pre-approved personal loan offers extended to eligible individuals for purposes such as medical emergencies, home renovation, weddings, or other personal requirements. Bajaj Finserv claims to disburse the loan within 30 minutes to 4 hours, with minimal to no documentation required.
  • Loan Amount: Up to Rs 15.50 lakh
  • Tenure: Up to 8 years

Flexi Personal Loan

  • Purpose: Bajaj Finserv Flexi Personal Loan is a Personal Loan Overdraft facility wherein the applicant can withdraw funds from a pre-approved limit offered on the basis of their credit profile. This amount can be repaid whenever the applicant has surplus amount in hand. Interest is paid only on the amount withdrawn till its repayment.

Other Personal Loans

  • Wedding Loan – Consumers can avail Bajaj Finserv Marriage Loan to meet their wedding related expenses such as venue and décor, jewellery and outfits, entertainment, photography, etc.
  • Personal Loan for Medical Emergencies – Bajaj Finserv offers a Personal Loan for Medical Expenses to meet expenses related to planned and unplanned medical emergencies such as diagnostics, hospital bills, cosmetic procedures, physiotherapy, etc. Select customers of Bajaj Finserv can also avail a pre-approved Personal Loan for a Medical Emergency.
  • Loan for Higher Education – Individuals planning to finance their child’s higher education, especially those who cannot avail the regular education loan can avail Personal Loan for Higher Education from Bajaj Finserv.
  • Personal Loan for Home Renovation – Applicants can avail a Personal loan for Home Renovation to meet the financial requirements related to home purchase, renovation, repairs, furnishings, etc.

Eligibility Criteria for Bajaj Finserv Personal Loan

Bajaj Finserv Personal Loan eligibility criteria is set on the basis of age, profession, monthly income, credit score and nationality of its personal loan applicants. Below-mentioned are the personal loan eligibility criteria set by Bajaj Finserv.

  • Age: 21-80 years
  • Nationality: Indian
  • Eligible Applicants: Salaried & Self-employed
  • Profession: MNC/Public/Private company
  • CIBIL Score: 685 or higher

For Chartered Accountant

  • The applicant should have at least 2 years of professional experience
  • Chartered Accountants owning a house or office in the city where Bajaj Finserv operates are also eligible for availing Bajaj Finserv Personal Loan

For Doctors

  • Applicant should be 22 years at the time of loan application and 80 years at the time of loan maturity
  • CIBIL Score: 685 or higher
  • Medical registration: The degree is required to be registered under the Medical Council.

Documents Required for Bajaj Finserv Personal Loan

Key documents that are required while applying for a personal loan with Bajaj Finserv are as follows:

  • KYC Documents (PAN Card, Aadhaar Card, Passport, Voter ID, Driving License)
  • Salary slips of the last 3 months
  • Employee ID card
  • Bank account statement for the last 3 months
  • Letter of Allotment of Accommodation issued by the employer

For Chartered Accountants

  • KYC documents such as Aadhar card, Voter ID, driving license, PAN Card or any other government approved KYC document
  • Address Proof documents, including electricity bill, passport, rent agreement, etc.
  • Certificate of practice
  • Ownership proof for at least one property

For Doctors

  • KYC documents such as Aadhar card, voter ID, driving license, passport, letter from NPR/NREGA job card
  • PAN Card
  • Medical registration certificate

Bajaj Finserv Customer Care Number

Helpline number: +91-8698010101

Know more about Bajaj Finserv Personal Loan Customer Care numbers and Grievance Redressal process.

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Explore Our Bajaj Finserv Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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What our customers say

Excellent platform

Excellent platform for personal loan comparison! Their EMI calculator helped me pick the best tenure & my monthly emi.

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Manish KumarOct 23, 2025

Got personal loan instant

I was a medical emergency &amp; need funds instantly I applied for loan at Paisabazaar &amp; see I have a pre approved offers &amp; apply to it &amp; amount disbursed in 48 hours thanks to paisabazaar teams

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Mansi SharmaOct 17, 2025

Got loan yesterday

I got a loan of 2 lakh from Paisabazaar. Until now, I didn&#x27;t know that it was so easy to get loan through Paisabazaar. They helped me with all documents and process and my loan was sanctioned yesterday itself.

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Priyanka SharmaOct 15, 2025

Got personal loan in a few minutes

I had pre-approved offers. When I applied through Paisabazaar, I got my personal loan approved within a few minutes. The process was very hassle-free and the team was extremely cooperative.

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Preeti SinghSep 26, 2025

Cibil kam tha fir bhi loan dila diya

Mera cibil kam tha fir bhi paisabazaar walo ne loan dila diya mujhe jo bohot jaruri tha.

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Pawan SehrawatSep 25, 2025

Personal loan quick approved

My personal loan was quick approved on Paisabazaar. Everything was online and I was not required to submit any more documents.

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Vivaan ShahSep 24, 2025

Loan Approved in on day

I confused between HDFC & Axis personal loans, but Paisabazaar showed me all the offers side by side. I apply in 10 minutes and got approval the next day!

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Rahul MehtaSep 23, 2025

Personal loan mila yahaan se

Mujhko personal loan mila yahaan se bina koi dikkat hue. Maine toh online apply kiya aur 3 lakh ka loan mila 2 saal ke liye.

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Pankaj SinhaSep 22, 2025

Great Customer support and response

Quick and efficient support team of Paisabazaar. Proper knowledge of product and good customer relationship by Abhishek Singh.

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ABhisekh BordoloiSep 21, 2025

Got personal loan from Paisabazaar

I applied for personal loan from paisabazaar and it was disbursed in 2 days. My immediate requirement was fulfilled just in time. Thanks guys for the prompt response and quick approval.

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Pranoy SenSep 19, 2025
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