Bajaj Finance Personal Loan

Bajaj Finserv offers customized personal loan solutions to various individuals so that everyone can have funds at the time of emergency. The customized personal loan solutions are offered to the following individuals:

Government Employees: Individuals employed by the government can avail customized offers by availing the personal loan for Government Employees.

Teachers: Bajaj Finserv offers personal loan for teachers as well. They can now overcome their financial obligations by availing personal loan for teacher with Bajaj Finserv where one can apply for loan amount up to Rs. 25 lakh for which disbursal takes place within 24hrs.

Personal Loan for Women: Bajaj Finserv has an exclusive personal loan offer for women that offer low interest rates and flexible repayment tenure. So, in any financial difficulty, women can now easily avail personal loan.

• You should be a resident of India.
• Your minimum age should be 23 years and maximum should be 55 years.
• You should be a salaried professional in a MNC, private or public company.
• Your credit score should be more than 750 as it is preferred by most of the lenders.

The organization also takes into account the minimum salary required for personal loan. The minimum salary per month for applicants from different cities is as follows:

For Bengaluru, Delhi, Pune, Mumbai Hyderabad, Chennai, Coimbatore, Ghaziabad, Noida and Thane, the minimum net monthly salary needs to be Rs. 37,000/Month.

For Ahmedabad, Kolkata, Cochin, Nagpur and Jaipur, the minimum net monthly salary needs to be Rs. 32,000/Month.

For Goa, Lucknow, Baroda, Indore, Bhubhaneshwar, Vizag, Nasik, Aurangabad, Madurai, Mysore, Bhopal, Jamnagar, Kolhapur, Raipur, Trichy, Trivandrum, Vapi, Vijayawada, Jodhpur, Calicut and Rajkot, the minimum net monthly salary needs to be Rs. 27,000/Month.

• Identity Proof: A copy of Aadhaar, Driving License, Passport or Voter ID can be used as identify proof with Bajaj Finserv.
• Employee ID Proof: Employee ID proof is important in order for the organization to authenticate if the applicant is salaried. Bajaj Finserv provides personal loan to salaried individuals only.
• Salary Slips of previous 2 months
• Bank Account Statement of salary account for last 3 months

If you are planning to avail Bajaj Finserv personal loan, apply through Paisabazaar.com by following the below mentioned steps:

Step 1 Fill up an online application form	Step 2 Your application would be sent to Bajaj Finserv for review	Step 3 Bajaj Finserv will process your loan application and will contact your for further formalities.

• Extensive choice: At Paisabazaar, you can explore personal loans offered by various banks and NBFCs. This convenient feature available at Paisabazaar saves times and effort.
• Compare before you choose: Paisabazaar not only allows you to explore personal loan by various lenders but also lets you compare the interest rate, loan amount, tenure, processing fee and other terms and conditions that are offered by them. This way, you get to choose the appropriate option as per your convenience.
• Quick to apply: The process to apply for a personal loan is completely digitalized at Paisabazaar. You can apply for the desired personal loan from the comfort of your home or office without any inconvenience.
• Complete assistance: The customer care team of Paisabazaar offers you full assistance throughout your loan application and approval process. If you have any query, you can get in touch with the executives to get an instant solution.

Ques. What is the maximum loan amount you can get while you apply for a salaried personal loan?

Ans: One can avail maximum loan amount up to Rs 25 Lakh, however, the final amount sanctioned will depend on the applicant’s income, CIBIL Score and other eligibility criteria.

Ques What are the personal loan tenure options?

Ans: The personal loan tenure options ranges from 12 months to 60 months, depending on the applicant’s preference and loan sanctioning conditions.

Ques. How can one check the status of the loan, which has been applied online?

Ans: The applicant can call the customer care service on 1800-103-35. A unique reference number will be given by Email and SMS. On providing the details, you will be informed of the status of your loan application.

Ques. How will one get to know about the personal loan details?

Ans: The organization gives a welcome kit over the Email consisting of:

• All the loan details
• User Id and Password for Experia (Bajaj Finserv Personal Loan portal)
• Registered bank account details for all transactions
• Unique Virtual Account Number
• Registered Mobile Number
• Reference service guide to help understand the product

Ques: How do I compare personal loan options at Paisabazaar?

Ans: Paisabazaar quickly compares the personal loan options for you by just asking you to fill a simple form with mandatory information. 

Ques: How do I get in touch with Paisabazaar’s customer care?

Ans: You can call on the toll- free number 1800 208 8877 (9am to 9pm) or you can send an email at care@paisabazaar.com 

Ques: How can I calculate the EMI at Paisabazaar?

Ans: Go to the EMI Calculator available at Paisabazaar, select the loan amount, tenure and rate of interest and your monthly EMI would be automatically generated.

Ques: What if I have not received the welcome kit?

Ans: You can write us on cs@bajajfinserv.in and the kit would be resend to your registered address.

Ques: How do I repay the loan?

Ans: You can repay the loan in EMIs by using ECS or though post- dated cheques.

Ques. How and when can Flexi Loan be pre-closed?

Ans: One can make a pre-payment or pre-closure up to any amount without incurring any additional fees. The Pre-Payment can be made by RTGS only to the assigned account given to the applicant. If one wants to discontinue the loan facility, they can pay the entire balance amount in the loan account, including interest along with request for foreclosure. To raise a request for foreclosure- visit Experia/We Care/Customer Number/Branch.

Ques. Are there any foreclosure charges for Flexi Loan?

Ans: Foreclosure charges for Pure Flexi Loans will be calculated on the disbursed amount and for Flexi Loans on current POS outstanding.

Ques: How can I check the status of my personal loan?

Ans: In order to check your personal loan status, you can call the customer care on 1800-103-3535 and tell your unique reference number to the customer care executive.

Ques: What is secure free for online application?

Ans: Secure fee is basically a charge that you will have to pay for submitting or processing your personal loan application form online. 

Ques: How will I get the statements for re-payment schedule/statement of accounts/interest certificates/no objection certificate?

Ans: All your account statements are available online and can be viewed or downloaded by logging here by using your Experia ID and password. You can also request the hard copy of your statements by calling the customer care or sending an email. Also, Bajaj Finserv also sends the annual statement of accounts at the end of every year via email.