Avail Instant Personal Loans ✓ Loan up to 25 Lakhs ✓ Quick Disbursal ✓ Minimum Documentation!


It’s time to realize all your dreams! Bajaj Markets brings to you a plethora of loan options to help you fulfill your financial needs. Bajaj Markets connects you with multiple lending partners across India, so that you choose the loan as per your requirement. With a variety of lending products, ranging from a Personal Loan to Home Loan, your dreams need not wait anymore. So, apply for a loan today!

Our Partners

Bajaj Finance Limited

Over the years, Bajaj Finance Limited has customized its loans to meet all your financial needs efficiently. And our 1 million+ happy customer base stands witness to it.

Fullerton India

Fullerton India is a popular NBFC, that offers financial solutions through its lending products. With a plethora of benefits like competitive interest rates and customized offers, you can fulfill all your needs without any burdens.

Bajaj Housing Finance Limited

Bajaj Housing Finance Limited is renowned for offering long term financing through Home Loan, Home Loan Balance Transfer, Loan Against Property, Loan Against Property Balance Transfer.

Lendingkart Finance Limited

Lendingkart Finance Limited is a reputed financial organization that specializes in providing business loans to small businesses, MSMEs and other public sector enterprises.

Why Choose Bajaj Markets for Loans?

Abundance of Choice

Bajaj Markets helps you choose from a diverse range of lending products. You also get to compare various loan offers by the best of the lending partners. So, you are indeed spoilt for choice!

Fast Online Process

There's no tedious paperwork involved. Your application is approved within minutes and money gets disbursed in no time.

Trusted Companion

We are proud to deliver on our promise to more than 100 million customers. Our reliable interface helps the lending partners reach out to people all across India and provides the best lending experience.

How to Apply for Loans at Bajaj Markets

When opting for a loan, do keep in mind that the application process varies from product to product. What is mentioned below is just a general overview of the steps involved when applying for a loan on Bajaj Markets. Given that we’re completely online, here’s how you can apply for a loan on our platform –

1. Online Loan Application

Having zeroed in on the type of loan you wish to avail (basis your need) all that you need to do is visit our website and fill in an online loan application form. You will need to provide your personal and employment details here and support this by uploading the relevant documents. Wondering what personal details you’d be asked to furnish? Well, this includes –

  • Your identity proof (Aadhar Card/Passport/Voter ID/Driving License)
  • Your Address Proof
  • Your PAN Card details
  • Your bank details (last 6 months)
  • Your salary slip (last 3 months)

The documents mentioned above are required across all loan types. You will need to furnish additional documents when availing a home loan, a home loan balance transfer, a loan against property, a loan against property transfer, 2 & 3-wheeler finance and a used car loan.

2. Select from a multitude of Lending Partners

After you enter the personal and employment details, you can select the loan offer from a list of lending partners. At Bajaj Markets, you get the loan offers from some of the best lending institutions. So, make a choice and you can move ahead in the journey of the loan application.

3. Specify Loan Details

This included mentioning the loan amount you wish to apply for and choosing your repayment tenure. At Bajaj Markets, you can avail a personal loan to the tune of up to Rs. 25 Lakhs while with home loans and a loan against property, the upper limit is 3.5 crore. When it comes to repayment, customers enjoy the freedom of choosing their own tenure. With personal loans, the repayment tenure ranges between 12 – 60 months. For home loans and loan against property, this could go up to 300 months or 20 years.

4. Loan Verification, Approval and Loan Disbursal

Upon successfully uploading your documents and stating your loan requirements, the lender will conduct a thorough check. This includes a check on your CIBIL score and verifying the documents provided. Once satisfied, the loan application is approved and the sanctioned amount disbursed to the bank account of the customer. The time taken for verification, approval and disbursal varies from product to product. For instance, a personal loan could be approved in a day given that there’s not much documentation involved and neither does the borrower have to provide any collateral. On the other hand, a home loan application takes much more time to get approved as the process involves inspection of the property and verification of all related documents.

Key Things to Consider When Applying for a Loan

  • Term Loan

Type of Loan

This is an important pointer as it helps determine whether you will have to make a down payment or provide collateral. If you are looking for instant financial help, a personal loan is what you should apply for. These are unsecured loans – no collateral or guarantor is required. If you plan on buying a home or desire to send your child to study abroad, a home loan or a loan against property is the right way to go. These are secured loans – one must provide collateral when availing such loans. In addition to this, you can also apply for a home loan balance transfer or a loan against property balance transfer if the interest rate you currently pay is way too high.

Charges Associated with Loans

The online loan you apply for comes with a host of charges that you ought to be aware of, before signing that dotted line. From processing fees to foreclosure charges, from missed EMI penalties to part-prepayment charges, it is important that you apply for a loan with the knowledge about the charges you might incur. At Finserv MARKETS there are no hidden charges to worry about ensuring complete transparency and quick loan process.

Loan Repayment Tenure

Your repayment tenure depends on the type of loan you apply for. Personal loans (unsecured loans) usually come with a 12- 60 months repayment tenure. However, as a customer you get to choose your tenure. As for home loans or a loan against property, repayment tenures could go up to 300 months or 20 years. So why is this important? Well, your repayment capacity and loan tenure go hand in hand. Basis your capacity to repay, you can choose an EMI tenure without affecting the way you live.

Credit Score and Repayment Capacity

Consider it sacrilege if you apply for loans in India without checking your credit score! As a matter of fact, most financial advisors will direct you to check your CIBIL when you apply for a loan. Why is this important? Well, your credit score determines whether the bank or lender will approve or reject your loan application. Your credit score is a 3-digit number that could range between 300 – 900. The higher your score, the better your chances of having your loan application approved. Moreover, this allows you to negotiate with your lender in terms of getting a good interest rate on your loan. Banks usually consider 700 and above as a good score.

Eligibility Criteria

Your credit rating isn’t the only parameter that determines the outcome of your loan application. There are several criteria applicable and to have your loan approved you need to meet these parameters. Some of these parameters include your age, the city you reside in, your monthly salary and your credit history. However, do keep in mind that such parameters vary from lender to lender and thus you need be sure about your eligibility before applying. In addition to this, having your documents in place is imperative to ensure a smooth application process.

What are the Different Types of Unsecured Loans

Personal Loan

Having you been pushing back that family vacation due to shortage of funds? No worries! On Bajaj Markets, you can avail of instant personal loans. Don’t hold back, apply for a personal loan, right from the comfort of your home.

Business Loan

An awesome business idea can only see fruition if you have the required funds to set up your enterprise. Well, if you don’t, don’t be dismayed. Go online on Bajaj Markets and apply for an online a self-employed loan.

Professional Loan

With an instant professional loan offered online on Bajaj Markets, you have the liberty of investing funds in new hires, advanced machinery and technology and even pay off existing business debts. Apply now and avail a professional loan.

What are the Different Types of Secured Loans

Home Loan

On Bajaj Markets, you can realise your dream of owning a home, with best home loan options. With flexible repayment options, coupled with benefits like no foreclosure charges, you are just a few clicks away from becoming a homeowner.

Home Loan Balance Transfer

You can apply for a home loan balance transfer on Bajaj Markets and enjoy a host of benefits like flexible repayment tenure, customised insurance coverage to protect your family in the uncertain times and much more.

Loan Against Property

You can now pledge your property as collateral and avail a loan to facilitate your child’s aspiration of studying abroad with a loan against property. Get benefits such as flexible repayment tenure and part-payment option against a minimal fee.

Loan Against Property Balance Transfer

Have a loan against property that you wish to transfer? Looking for funds to manage medical emergencies? We offer the best loan against property balance transfer options to help you deal with situations that demand immediate attention.

Two Wheeler Loan

Why wait to own the bike of your dreams when financial assistance is just a click away? That’s right, on Bajaj Markets, you can avail of easy finance options that will help you turn your dream of owning a bike into a reality.

Read more to know details about types of loans

How to apply for a loan using Bajaj Markets app

Applying for a loan using the Bajaj Markets app is quick and easy. Here are some simple steps to help you get started:

  • Step 1: Visit the ‘Loan’ section on the Bajaj Markets app

  • Step 2: Choose the loan offer that suits your needs best, from a lending partner of your choice

  • Step 3: Enter the desired loan amount and select the repayment tenure

  • Step 4: Upload the required documents and submit your application online

That’s all. The lender will conduct a background check and verify your documents. A representative may get in touch with you, for further processes. 

Latest News

Demand for Credit Continues to Rise Despite Rising Lending Rates

Credit growth during the financial year 2022-23 has outpaced the growth of deposits even though banks have revised their external benchmark-based lending rates (EBLRs). From May 2022 to March 2023, the EBLRs have risen by 250 bps. According to RBI's monetary policy report, the rising credit demand is unlikely to be connected to the interest rates and is more so a result of economic activity. Bank loans rose 14.6% during the period of 2022-23, while deposits rose by just 9.6%. The last fiscal year has recorded the highest credit growth since the financial year 2011-12, where credit growth clocked in at 17%.

- April 11, 2023

Recasting of home, personal, and small business loans is now authorized by the RBI

Individuals and small businesses with loans up to Rs. 25 Crores were given relief on 5th May by the RBI, which allowed them to seek a loan restructuring if they were hit by the pandemic's second wave. The central bank also loosened its strings to finance the fight against the pandemic by offering a Rs. 50,000 Crores liquidity window to scale up healthcare infrastructure, as part of a series of measures to ensure financial stability. Incentives for lenders who create a pandemic loan book have been added to the mix.

Small and individual borrowers who availed of the restructuring option last year were also granted relief by the RBI. According to the RBI, banks will be able to provide new lending support to a wide range of organisations, including vaccine manufacturers, hospitals, logistics companies, and even patients for diagnosis, under the scheme. Under this, banks are rewarded for delivering credit quickly by extending priority sector classification to such lending until March 31, 2022. These loans will remain in the priority sector until they are repaid or mature, whichever comes first.

- May 06, 2021

NBFCs recovery stalls in India as loan fears resurface

As concerns regarding the true impact of the pandemic on India’s lenders have emerged, troubled shadow banks have taken a step backward since their initial signs of recovery. For the first time in four months, lenders saw their average spreads rise on their five-year bonds with AAA ratings this September. The health of the shadow bank sector, however, is determined by two other factors. Both outstanding debt and the liquidity of the banking system — crucial markers — weakened. Share performance, on the other hand, stayed the same throughout. These outcomes were preceded by months of improvement after the unprecedented stimulus for the central bank as well as targeted support offered to the banking industry. Loan fears have resurfaced with authorities attempting to cushion India’s economy from the fallout since the pandemic.

Manage all your Loan FAQs

✔️What are unsecured loans?

Loans that do not require the borrower to provide any collateral or a guarantor are categorized as unsecured lending. Typically, personal loans fall into this categorization. Due to this reason, interest rates on unsecured loans are quite high.

✔️What are secured loans?

Loans that require the borrower to provide collateral or a guarantor are categorized as secured lending. Given the huge loan amount in question, banks/financial institutions require collateral which serves as security, should the borrower not be able to repay the amount.

✔️How does one calculate the EMI amount for a loan?

There are 3 factors that determine EMIs – the loan amount, the interest rate applicable on the loan amount and the loan repayment tenure. To know how this works, check out our loan EMI calculator page.

✔️What is the basic criteria to apply for a loan?

Depending on the type of loan, there is different criteria to be met. However, there are certain basic criteria such as –

  1. You must be a resident Indian citizen,
  2. You must be able to prove your repayment capacity (either salaried or self-employed) and
  3. There is a minimum and maximum age limit involved.