How to increase limit in Bajaj EMI Card?

Increase EMI Network Card Limit

How to increase Bajaj Finserv EMI Card Limit?

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How Can I Increase My Bajaj Finserv EMI Network Card Limit

If you have a Bajaj Finserv EMI Network Card, you can avail yourself up to a limit of Rs. 4 lakh as a personal loan. The EMI card limit depends on multiple factors. Suppose you have an Rs. 1 lakh limit and have already used it to buy a home appliance. Now, you want to buy a new laptop available in the market. You may wonder how to increase the Bajaj Finserv EMI Network Card limit. Your Bajaj Finserv EMI Network Card loan limit will change whenever the credit policy is revised. The revision of credit policy is a periodic activity which is carried out every quarter.

The multiple factors influencing the credit policy are:

  • CIBIL Score

CIBIL score is provided by the Credit Information Bureau (India) Limited. It defines an individual’s creditworthiness. CIBIL score is a three-digit score ranging from 300 to 900. This score provides an idea of whether you will be able to pay back the loan amount to the lender on time. The higher the CIBIL score, the greater the chances of increasing your EMI card limit.

  • Annual Income

It is important for the lender to make sure that you can repay the EMIs on time. If you have a regular income, you can repay the EMIs on time. The higher your monthly income, the greater the amount lenders will lend. The same applies to the EMI cards.

Your income influences the Bajaj Finserv EMI Network Card limit. If you have a higher monthly disposable income, you will probably keep up with the repayment commitments.

  • Place Of Residence

Ownership of your house is the matter considered here. If you pay rent of the place you stay from your disposable income every month, a portion of your income goes towards this, indicating a lesser EMI repayment commitment.

If you live in your own house, you won’t be spending money on house rent and can save up that portion of the money. This indicates you have more financial ability for prompt EMI payments.

  • Employment Status

You must be employed and have a regular source of income to repay the loan on time. A stable job and steady income will ensure that the EMIs are paid on time.

  • Credit Performance Across Other Lenders

Your credit history with other lenders should be good. If you have made all the EMI payments on time, you will have a good repayment history. It is imperative that you should try to keep up with all dues.

You can visit Experia, the Bajaj customer portal or the Bajaj MARKETS App to get more details about the Bajaj Finserv EMI Network Card limit and the products you can buy online and in-store.

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