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EMI: Rs. 5,625
INSTANT APPROVAL
LOWEST EMI
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EMI: Rs. 5,625
INSTANT APPROVAL
LOWEST EMI
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EMI: Rs. 5,625
INSTANT APPROVAL
LOWEST EMI
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All about Flexi Loan
EMI: Rs. 5,625
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EMI: Rs. 5,625
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EMI: Rs. 10,169
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EMI: Rs. 11,505
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EMI: Rs. 13,538
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EMI: Rs. 16,968
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EMI: Rs. 23,889
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EMI: Rs. 44,776
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EMI: Rs. 9,646
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EMI: Rs. 10,996
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EMI: Rs. 13,045
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EMI: Rs. 16,488
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EMI: Rs. 23,420
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EMI: Rs. 44,308
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Features and benefits of our personal loan
00:40
All you need to know about our personal loan
Watch this video to know everything about our personal loan
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3 unique variants
Pick the loan variant that suits you best: Term loan, Flexi Term Loan, and Flexi Hybrid Loan.
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No part-prepayment charge on Flexi Term Loan
Repay a part of your loan in advance, at no extra cost. You can part-pay as many times as you want.
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Loan of up to Rs. 55 lakh
Manage your small or large expenses with loans ranging from Rs. 20,000 to Rs. 55 lakh.
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Convenient tenures
Manage your loan easily with repayment options ranging from 84 months to 96 months.
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Approval in just 5 minutes
Complete your entire application online from the comfort of your home or wherever you are and get an instant personal loan with fast approval.
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Money in your account in 24 hours*
Your bank account will be credited with your loan amount within 24 hours* or, in some cases, on the same day of approval.
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No hidden charges
Our fees and charges are mentioned clearly on this page itself and also on our loan documents. We advise you to read these in detail before applying.
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No guarantor or collateral needed
You do not need to provide any collateral such as gold ornaments, property papers, or have someone stand as a guarantor.
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*Terms and conditions apply.
Still haven’t found what you’re looking for? Click on any of the links at the top of this page.
Frequently asked questions
Anyone can get Bajaj Finserv Personal Loan by meeting the basic eligibility criteria to manage their big or small expenses. You can also check your pre-approved offer which requires minimal to no paperwork and get funds instantly into your bank account.
Here is a step-by-step guide to applying for a Rs. 5 lakh personal loan:
- Click on ‘APPLY’ to open our online application form.
- Enter your 10-digit mobile number and verify the OTP sent to your phone.
- Fill in the application form with your basic details, such as your full name, PAN, date of birth, and PIN code.
- Click on ‘PROCEED’ to visit the loan selection page.
- Enter the loan amount that you need. Choose from our three personal loan variants –Term, Flexi Term, and Flexi Hybrid.
- Choose the repayment tenure – you can select tenure options of 84 months to 96 months and click on ‘PROCEED’.
- Complete your KYC and submit your application.
Our representative will contact you for the next steps. The loan amount will be transferred to your bank account upon the successful verification of your documents.
The EMI of Rs. 5 lakh will vary as per the lowest interest rate personal loan and repayment tenure. You can estimate your EMIs using a personal loan EMI calculator. For example, if you take a personal loan of Rs. 5 lakh at an annualised interest of 14% with a tenure of five years, you will have to pay an EMI of Rs. 11,634.
Tenure |
Approximate EMI at 13% interest rate |
2 years |
4,754 |
3 years |
3,369 |
5 years |
2,275 |
Calculate your personal loan EMIs
Bajaj Finserv Personal Loan offers funds ranging from Rs. 20,000 to Rs. 55 lakh. The following basic eligibility criteria must be met in order to apply for a personal loan.
- Nationality: India
- Age: 21 years to 80 years
- Employed with: Public, private, or MNC
- CIBIL score: 685 or higher
- Monthly salary: Starting Rs. 25,001, based on the city you live in
*You should be 80 years or younger, at the end of the loan tenure.
Bajaj Finserv Personal Loan has no end-use restrictions, allowing you to comfortably cover a wide range of expenses including:
Obtaining a Rs. 5 lakh loan without income proof is challenging. Most financial institutions require income proof to assess repayment capacity. However, with Bajaj Finance Limited, in most cases, selected customers can get pre-approved Insta Personal Loan offers that don’t require income proof.
The documentation requirements for a personal loan can vary from lender to lender. Below are the documents that are required to be submitted when applying for a Bajaj Finance Personal Loan:
- KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register
- PAN card
- Employee ID card
- Salary slips of the last 3 months
- Bank account statements of the previous 3 months
CIBIL Score requirements for a Rs. 5 lakh personal loan may vary among lenders. With Bajaj Finance Limited, a CIBIL Score of 685 or higher is required to get a personal loan.
