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Bajaj Finserv Personal Loan Eligibility Criteria
The personal loan eligibility criteria set by Bajaj Finserv is more or less the same as the personal loan eligibility criteria set by other lenders. Below-mentioned is the personal loan eligibility criteria set by Bajaj Finserv for its various categories of personal loan applicants.
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For Salaried Applicants
- The applicant should be an Indian resident.
- The minimum age criteria set by the Bajaj Finserv for its personal loan applicants is 21 years.
- The maximum age of the applicant at the time of loan maturity should be 67 years.
- Salaried individuals employed with public sector organizations, top MNCs and private sector companies are also eligible for Bajaj Finserv Personal Loans.
- Applicants should have a minimum CIBIL score of 750 for availing Bajaj Finserv Personal Loans. Having credit scores of 750 and above can also improve their eligibility for availing personal loans at lower interest rates.
- The minimum monthly income requirement set by Bajaj Finserv for availing personal loan varies on the basis of the city a personal loan applicant is employed in.
For instance, the minimum monthly income for applicants working in cities like Bangalore, Pune, Mumbai, Delhi, Ghaziabad, Coimbatore, Chennai, Thane, etc. is Rs 35,000.
The applicants employed in Kolkata and Ahmedabad should be earning Rs 30,000 per month.
Residents of Jaipur, Chandigarh, Cochin, Surat, and Nagpur should have a monthly income of at least Rs 28,000.
People employed in Goa, Baroda, Indore, Lucknow, Aurangabad, Mysore, Bhopal, Vizag, Nasik, Madurai, Jamnagar, Jodhpur, Rajkot, Calicut, etc. should have a minimum monthly income of Rs 25,000.
Personal loan applicants employed in Bidar, Mandya, Bhadrak, Hassan, Junagadh, Godhra, Gandhidham, Chalisgaon and other locations should have a minimum monthly income of Rs 22,000.
For Self-employed Applicants
- The applicant should be an Indian resident having a minimum age of 24 years at the time of loan application. The age of the applicant at the time of loan maturity should be 72 years.
- Self-employed applicants should have credit scores of 685 or above to fall under the personal loan eligibility criteria of Bajaj Finserv. Applicants having credit scores of 750 & above would also higher personal loan eligibility with other lenders.
- Self-employed individuals with a business vintage of at least 3 years are also eligible for availing Bajaj Finserv Personal Loans.
For Doctors
- Doctors applying for personal loans should be Indian residents
- Super specialist doctors (MD/DM/MS) and Graduate doctors (MBBS) having degree registered with medical council are eligible for personal loans
- Dentists (BDS/MDS) with at least 5 years of post-qualification experience can avail personal loans from Bajaj Finserv
- Bajaj Finserv offers personal loans to Homeopathic and Ayurvedic doctors (BHMS/BAMS) with at least 2 years of post-qualification experience
- Doctors need to have a minimum credit score of 685 to avail personal loans from Bajaj Finserv.
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For Chartered Accountants
- The applicant should be an Indian resident with a professional experience of at least 2 years
- CAs owning a house or office in the city where Bajaj Finserv operates are eligible for Bajaj Finserv Personal Loans