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The Bajaj Finserv EMI Network Card comes with a pre-approved loan limit of up to ₹3 Lakhs. However, depending on certain factors, your loan limit may be lower. The loan limit extended to you is often determined by your CIBIL score, credit history, and more. The good news is you can increase your pre-approved loan limit.

How Can I Increase My Bajaj Finserv EMI Network Card’s Limit?

Here’s how you can go about increasing the pre-approved limit on your Bajaj Finserv EMI Network Card applied through financial marketplace.

  1. Head to the official website of Bajaj Finserv

  2. Proceed by adding your mobile number along with the received OTP

  3. Add your date of birth and verify your details

  4. Under the 'My Relations' section, select the Bajaj Finserv EMI Network Card 

  5. Navigate to 'Quick Actions' and click on the 'increase limit option

  6. Verify your new limit and proceed 


Note: If your proposal gets approved, then you will need to pay the loan limit enhancement fee. 


Disclaimer: Please note that Bajaj Finserv can choose to accept or deny your request for a loan enhancement depending on your profile and internal policies.

Factors Influencing the Credit Policy

Here are some factors that could affect Bajaj Finserv’s decision to approve or reject your loan enhancement request:

  • Credit Score 

A good credit score signals to creditors that you are a financially disciplined person who has a history of making repayments on time. So, they will be more willing to extend credit to you. Not only this, they are also more inclined to offer you a higher credit limit.

  • Income 

Your income is another important factor in determining your pre-approved loan limit and the decision to enhance it. The general idea is that if your annual income is high and consistent, then you’re unlikely to default on EMIs. So, if you can show that your income is both regular and high, then your loan enhancement process will probably be simple. 

  • Repayments

When you request a loan enhancement, the first thing your creditor will probably look at is your repayment history. If you’ve been making all your repayments in full and on time, then there is a higher chance that your request will be approved. The creditor is bound to believe that even with a higher loan limit, you will continue to pay your EMIs on time.

Frequently Asked Questions

How can I increase the credit limit of my Bajaj Finserv EMI Network Card?

You can increase your loan limit on your Bajaj Finserv EMI Network Card by making diligent repayments, which may cause the creditor to review your limit.

What is the limit of the Bajaj Finserv EMI Network Card?

The pre-approved loan offered to you depends on a number of factors such as your employment status, income level, credit score, etc. The maximum pre-approved loan offered for the Bajaj Finserv EMI Network Card is ₹3 Lakhs.

What is the minimum limit of the Bajaj Finserv EMI Network Card?

There is no specified minimum loan limit offered for the EMI card.

Can I raise a request to increase my credit limit for the Bajaj Finserv EMI Network Card?

Yes, you can increase your pre-approved loan limit by getting in touch with Bajaj Finserv.

How much time does it take to increase my Bajaj Finserv EMI Network Card limit?

There’s no specified timeline for pre-approved loan enhancement. It depends on the card issuer’s policies. But, if you’re keen on increasing your pre-approved loan limit, start by repaying all your EMIs fully and on time.

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