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Bajaj Finserv Personal Loan

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Quick Personal Loan Approval

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Loan Disbursal in 24 hours

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Minimal Documentation Required

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End-to-end Expert Assistance

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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

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 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

Rates as of 19th November 2025

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

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Interest Rate Comparison of Other Lenders with Bajaj Finance Personal Loan

Banks/NBFCs

Interest Rates (p.a.)

Processing Fees
HDFC Bank 9.99% onwards Rs. 6,500
Axis Bank 9.99% onwards Up to 2%
ICICI Bank 10.45% - 16.50% Up to 2%
Kotak Mahindra Bank 9.98% onwards 1.1% - 1.5%
IndusInd Bank 10.49 onwards Up to 3.5%
IDFC FIRST Bank 9.99% onwards 2%
Federal Bank 12.00% - 19.50% Up to 2%
YES Bank 10.85% - 21.00% Up to 2.5%
Tata Capital 10.99 onwards Up to 3.5%
Aditya Birla Finance 10.99% onwards Up to 4%
L&T Finance 11.00% onwards Up to 3%
Hero Fincorp Up to 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

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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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.

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