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Bajaj Finserv
Up to ₹55L
10% - 31%
Upto 8 Years
Upto 4%
| Bajaj Finserv Personal Loan Highlights | |
| Interest Rate | 10%-31% p.a. |
| Loan Amount | Rs 40,000 to Rs 55 lakh (up to Rs 15.50 lakh for Insta Personal Loans) |
| Tenure | Up to 8 years |
| Processing Fee | Up to 3.93% of the loan amount |
Note: Rates updated as of 17 June 2025
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% |
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 |
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
Helpline number: +91-8698010101
Know more about Bajaj Finserv Personal Loan Customer Care numbers and Grievance Redressal process.
FAQs on Bajaj Finserv Personal Loan
What is the interest rate of the Bajaj Finserv Personal Loan?
The interest rate of Bajaj Finserv Personal Loan ranges from 10% to 31% p.a.
What are the documents required for a personal loan in Bajaj Finserv?
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.
What is the minimum CIBIL score for a personal loan in Bajaj Finserv?
You should have a credit score of 685 or more to avail Bajaj Finserv Personal Loan.
What is the minimum salary for a 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.
How to check a pre-approved personal loan in Bajaj Finserv?
Prospective borrowers can visit the Bajaj Finserv Insta Personal Loan section to view pre-approved offers. Click on ‘Check Offer’, fill out the online form, and enter the OTP sent to your registered mobile number. You will then see a pre-approved offer with a pre-assigned loan limit. You can either accept the offer or opt for a lower loan amount. After selecting your preferred loan tenure, click on ‘Proceed’ to continue with the application.