Bajaj Finserv Personal Loan

Bajaj Finserv offers personal loans to meet the various personal requirements of its applicants. Bajaj Finance Personal Loans are provided...

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Minimal Documentation Required

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Valid till 31^st March '26 *T&C Apply

Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

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Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Quick Personal Loan Approval

Curated offers from 30+ lenders

Loan Disbursal in 24 hours

Money in your account instantly

Minimal Documentation Required

Offers ranked according to eligibility

End-to-end Expert Assistance

Hassle-free & paperless

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Rate of Interest (Yearly %)

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Loan Tenure

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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

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%

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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%

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Interest Rate Comparison of Other Lenders with Bajaj Finance Personal Loan

Bank/NBFC	Interest Rates (% p.a.)
Aditya Birla Finance	10.99 onwards
Axis Bank	9.99 onwards*
Bank of Baroda	10.15-18.05
Bajaj Finance Limited	10.00-30.00
Bank of India	10.85-16.15
Bank of Maharashtra	8.75-13.55
Canara Bank	9.70-15.15
Central Bank of India	9.85-11.55
Cholamandalam IFC	10.00-28.00
Dhani Loans & Services Ltd.	13.99 onwards
Federal Bank	12.00 - 22.50*
HDB Financial Services	10.00 - 35.00
HDFC Bank	9.99 onwards
Hero Fincorp	Up to 30*
HSBC Bank	9.95 onwards
ICICI Bank	9.99 onwards
IDFC FIRST Bank	9.99 onwards
IIFL Finance	12.75 - 44.00
Indian Overseas Bank	10.25 onwards
IndusInd Bank	10.35 onwards*
Kotak Mahindra Bank	9.98 onwards*
L&T Finance	11.00 onwards
Mahindra Finance	8.00 - 25.00
Mannapuram Finance	18.00 - 24.00
Moneyview	14.00 onwards
Muthoot Finance	14.00 - 22.00
Piramal Finance	12.14 onwards
Poonawalla Fincorp	9.99 onwards
Punjab & Sind Bank	9.60-13.85
Punjab National Bank	10.25-16.80
Shriram Finance	11.00 onwards
Tata Capital	10.99 onwards
UCO Bank	9.95 - 13.20
Union Bank of India	8.75 - 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

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

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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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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.

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

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.

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.

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.

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.

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.

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

Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

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.

Abhishek ThakuraJan 14, 2026

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Written By

Vandana Punj

Reviewed By

Shamik Ghosh

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