Paisabazaar Logo - Compare loans and credit cards

Bajaj Finserv Personal Loan

iconicon
Get Cashback of ₹ 1,000* on Loan Disbursal
Valid till 31st March '26 *T&C Apply
Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

google-play-icon

Google Play Store

4.5/5

15.5L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
Icon image of Quick Personal Loan Approval

Quick Personal Loan Approval

Curated offers from 30+ lenders

Icon image of Loan Disbursal in 24 hours

Loan Disbursal in 24 hours

Money in your account instantly

Icon image of Minimal Documentation Required

Minimal Documentation Required

Offers ranked according to eligibility

Icon image of End-to-end Expert Assistance

End-to-end Expert Assistance

Hassle-free & paperless

Find Best Personal Loan Offers

Sort by:

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
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%

Quick Links

Why Choose Paisabazaar?
image of Compare & Choose the <strong>Best Offer</strong>

Compare & Choose the Best Offer

image of Pre-approved Offers with <strong>Instant Disbursals</strong>

Pre-approved Offers with Instant Disbursals

image of Know Your <strong>Chances of Approval</strong>

Know Your Chances of Approval

image of End-to-End <strong>Digital Process</strong>

End-to-End Digital 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

About Bajaj Finance Personal Loan

  • Bajaj Finserv offers quick, hassle-free personal loans at competitive interest rates that depend on the borrower’s creditworthiness.
  • Applicants can experience a seamless digital application process with loan disbursal in 24 hours through the Paisabazaar app and website.
  • The loan is designed to manage the planned and unplanned expenses of the applicants,  such as weddings, travel, medical emergencies, etc.
  • Applicants can also avail an overdraft facility on their existing personal loan for added liquidity.
  • No collateral is required for an unsecured Bajaj Finserv personal loan application.

Bajaj Finance Personal Loan Highlights

Interest Rate 10.00% - 30.00% 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

Rates as of 9th March 2026

Why Choose Bajaj Finserv Personal Loan

  • Quick Loan Disbursal: Bajaj Finserv claims quick loan approval in just 5 minutes and loan disbursal in 24 hours.
  • Instant Personal Loan: The lender offers instant personal loans with minimal documentation for loan amount of up to Rs. 55 lakh.
  • Flexi Personal Loan: Applicants can avail overdraft facility and withdraw funds as many times as they need.
  • Minimal Documentation: Bajaj Finserv offers instant personal loans with very little or no documentation.

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%-30%
Personal Loan for Chartered Accountants 11%-19%
Personal Loan for Doctors 11%-19%
Insta Personal Loans 16%-31%

Avail Personal Loan for
All Your Needs

Interest Rate Comparison of Other Lenders with Bajaj Finance Personal Loan

Bank/NBFCInterest Rates (% p.a.)
Aditya Birla Finance10.99 onwards
Axis Bank9.99 onwards*
Bank of Baroda10.15-18.05
Bajaj Finance Limited10.00-30.00
Bank of India10.85-16.15
Bank of Maharashtra8.75-13.55
Canara Bank9.70-15.15
Central Bank of India9.85-11.55
Cholamandalam IFC10.00-28.00
Dhani Loans & Services Ltd.13.99 onwards
Federal Bank12.00 - 22.50*
HDB Financial Services10.00 - 35.00
HDFC Bank9.99 onwards
Hero FincorpUp to 30*
HSBC Bank9.95 onwards
ICICI Bank9.99 onwards
IDFC FIRST Bank9.99 onwards
IIFL Finance12.75 - 44.00
Indian Overseas Bank10.25 onwards
IndusInd Bank10.35 onwards*
Kotak Mahindra Bank9.98 onwards*
L&T Finance11.00 onwards
Mahindra Finance8.00 - 25.00
Mannapuram Finance18.00 - 24.00
Moneyview14.00 onwards
Muthoot Finance14.00 - 22.00
Piramal Finance12.14 onwards
Poonawalla Fincorp9.99 onwards
Punjab & Sind Bank9.60-13.85
Punjab National Bank10.25-16.80
Shriram Finance11.00 onwards
Tata Capital10.99 onwards
UCO Bank9.95 - 13.20
Union Bank of India8.75 - 12.55

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

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 Personal Loan Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
View All Partners

Avail Personal Loan for
All Your Needs

FAQs

The interest rate of Bajaj Finserv Personal Loan ranges from 10% to 31% p.a. depending on the applicant’s credit profile.

The personal loan documents include KYC documents (such as Aadhaar Card, Passport, Voter ID, Driving License), Employee ID Card, salary slips and bank account statement of last 3 months.

You should have a credit score of 685 or more to avail Bajaj Finserv Personal Loan.

Bajaj Finserv has not disclosed the minimum salary criteria for its personal loans. However, most lenders usually set a minimum monthly income of Rs 15,000 to be eligible for personal loans.

Personal Loan Articles

Importance of No Dues Certificate in Personal Loan Closure - Article image

Importance of No Dues Certificate in Personal Loan Closure

icon image of Paisabazaar
Paisabazaar02 Sept 2025
Loan rejected despite high income? Here’s what you need to know - Article image

Loan rejected despite high income? Here’s what you need to know

icon image of Paisabazaar
Paisabazaar19 Aug 2025
Personal Loan for First Time Borrowers: What Customers Must Know - Article image

Personal Loan for First Time Borrowers: What Customers Must Know

icon image of Paisabazaar
Paisabazaar04 Aug 2025
How I Saved Rs 22,000 on My Personal Loan through Prepayment - Article image

How I Saved Rs 22,000 on My Personal Loan through Prepayment

icon image of Bhumika Khandelwal
Bhumika Khandelwal31 Jul 2025
How Have Personal Loans Advanced Over the Past few Years - Article image

How Have Personal Loans Advanced Over the Past few Years

icon image of Paisabazaar
Paisabazaar17 Jul 2025
Factors To Consider While Selecting a Personal Loan Lender - Article image

Factors To Consider While Selecting a Personal Loan Lender

icon image of Paisabazaar
Paisabazaar16 Jul 2025
Instant Personal Loan Apps: Avoid These 5 Pitfalls - Article image

Instant Personal Loan Apps: Avoid These 5 Pitfalls

icon image of Bhumika Khandelwal
Bhumika Khandelwal16 Jul 2025
Reasons for Delay in Personal Loan Processing - Article image

Reasons for Delay in Personal Loan Processing

icon image of Paisabazaar
Paisabazaar09 Jul 2025
APR vs Interest Rate in Personal Loans: What’s the Difference? - Article image

APR vs Interest Rate in Personal Loans: What’s the Difference?

icon image of Bhumika Khandelwal
Bhumika Khandelwal07 Jul 2025
Tips to Choose an Ideal Personal Loan Tenure - Article image

Tips to Choose an Ideal Personal Loan Tenure

icon image of Paisabazaar
Paisabazaar07 Jul 2025
View All Articles
quotes icon

What our customers say

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

icon image of avatar
Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

icon image of avatar
Kokil BarnwalFeb 12, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

icon image of avatar
Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

icon image of avatar
Anuradha GuptaJan 21, 2026

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

icon image of avatar
20th Jan 2026Jan 20, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

icon image of avatar
Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

icon image of avatar
Amit ChahalJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

icon image of avatar
Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

icon image of avatar
Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

icon image of avatar
Abhishek ThakuraJan 14, 2026
View All Testimonials
Vandana Punj profile
Written ByLinkedIn icon
Vandana Punj
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers

Knapsack with coins

Check Best Personal Loan Offers
with Quick Disbursal

Scroll to top