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Be it a trip to your dream destination, renovating your home with modern furnishing, wedding planning or dealing with a medical emergency, Finserv MARKETS is here to help. Get an instant personal loan today and enjoy life king-size.

Bajaj Finserv Personal Loan - Overview

Bajaj Finserv Personal Loan is an unsecured loan product that offers you instant help in times of need. Personalized pre-approved offers, instant approvals, quick disbursal and flexible tenues of 12 to 60 months, you can't ask for more. The complete process is online, hassle-free, requires minimal documentation and can be approved within just 3 minutes!  What's more? There are no hidden charges and you can access your loan account anytime, anywhere, 24x7. So why wait? Kick start your journey with us today!

We have personal loans specially crafted for your immediate necessities:

Going On A Dream Vacation

Tick off that exotic location from your bucket list and embark on the adventure of your dreams with our meticulously designed travel loan. You know you deserve that long-awaited vacation!

Planning A Big Fat Wedding!

Plan a beautiful and grand wedding and let us take care of your expenses whilst you focus on the celebrations. Visit our marriage loan section for more details on exciting features and benefits that you can avail. 

Looking for more information on our loan products? Visit our types of personal loans section to explore more and kick start your journey with us, today! 

Features and Benefits of Bajaj Finserv Personal Loans

  • Instant Personal Loans

    Whatever your need be, get instant personal loan up to 25 lakh to live your dream.

  • Exclusive Offerings

    We offer tailor-made fast personal loans online to meet all your financial requirements.

  • Zero Collateral

    You can avail unsecured loans without a guarantor at Bajaj Finserv.

  • Assured flexibility in repayment

    Repay your Bajaj Finserv Personal loan in easy EMIs over a period of 12-60 months.

  • Value Added Services

    Get a free Financial Fitness report from Finserv MARKETS and enjoy customized insurance plans to protect your loan liability. No third party involvement in the Bajaj Finserv lending process.

What is a ‘Hybrid Flexi Personal Loan’?

Need an urgent personal loan but worried about repayment the next moment? We present you Hybrid Flexi Personal Loan - the new way to fund your dreams. Enjoy principal holiday tenure, flexible part-payments and unlimited withdrawals! Find out more about our Hybrid Flexi Personal Loan and how you can benefit from it, right here.

Interest Only EMI

As an exclusive benefit, during the initial period of your Hybrid Flexi Personal Loan, you need to pay only the interest amount as the EMI.


You have complete flexibility and control of your principal amount. You can also login to the customer portal and choose to make part-payments.

Unlimited Withdrawals

With this Bajaj Finserv Personal Loan, you can withdraw without limit for, as many times you need.

No Additional Charges

Even if you choose to make part-payments for your principal amount, you will not incur any hidden charges.

No Repeated Form Filling

We understand that it is tedious fill application forms whenever you need money. So, we have eliminated that process completely. You need not fill forms for each requirement. You can just withdraw money from your Personal loan limit anywhere 24X7.

Why choose Finserv MARKETS for Bajaj Finserv Personal Loans?

Fast Online Processing

A Bajaj Finserv Personal loan approval takes flat three minutes and post-approval, the loan amount will get credited to your bank account within 24 hours.

Minimal paperwork involved

The Bajaj Finserv lending process is practically paperless and instant.


We do not believe in hidden charges. You know about your loan details right from the beginning.

Custom-made Loans

Get the best personal loan offers that meet your requirements here. No need to look elsewhere!

Trusted Companion

100 million+ happy customers across India have chosen Finserv Markets as their trusted financial partner for Personal Loan. It's your time now!

How to Apply for Bajaj Finserv Personal Loan on Finserv MARKETS

Want a Bajaj Finance Personal Loan? Follow the 3 simple steps below and Apply for a loan today!

  • Online Form Filling

    Fill in personal and employment details.

  • Specify Loan Details

    Select loan amount and repayment tenure.

  • Approval & Disbursal

    Get online approval in 3 minutes and money in your bank within 24 hours.

All we need from you…

Eligibility Criteria
  • You must be a citizen of India.
  • You must be a salaried individual.
  • Salaried individuals between ages 23 - 58 are eligible and can apply for a Personal Loan.
Documents Required
  • Aadhar Card/Passport/Driving License.
  • PAN Card.
  • Bank Statement - Last 3 months.
*Don't worry if you are asked to upload additional documents, we are just creating the best Bajaj Finserv loan for you!

What is the Eligibility Criteria for Availing a Bajaj Finserv Personal Loan?

The eligibility criteria for personal loans takes into account your nationality, age and your income. The salary requirements may vary in accordance to your place of residence. Following are the detailed eligibility criteria that you need to check for when apply for a Bajaj Finserv Personal Loan:

Please visit our section, personal loan eligibility for more details.

What are the Documents Required for a Bajaj Finserv Personal Loan?

You need to submit the following documents while applying for a personal loan from us: 

Aadhaar Card/Passport/Driving License

PAN Card

Last three months’ bank account statement

Check out the entire list of documents required for personal loan for more details.

What are the Fees & Charges for Bajaj Finserv Personal Loan Application

Our interest rates start from 12.99% per annum, while flat processing fees and annual maintenance charges of 3.99% and 0.25% respectively of the loan amount are also charged

Enjoy attractive rates of interest on personal loans at Finserv MARKETS. For more details on processing fees, maintenance charges as well as foreclosure charges, please visit our section for personal loan interest rate and charges.

How do you Calculate the EMI for Personal Loan?

Your EMI is dependent on your loan amount, Rate of Interest and tenure. It is important to remember that the longer the tenure is, the lesser is the amount that has to be paid every month, but the total amount of interests payable will be higher.

You can calculate the amount of monthly instalments with the help of our personal loan EMI calculator. All you need to do is enter the desired loan amount, the pre-determined rate of interest and the fixed tenure.

Get Instant Bajaj Finserv Personal Loan in all Top Metro Cities

Avail instant personal loan in the top metropolitan cities of India and meet your financial requirements without any hassle. Finserv MARKETS is well connected across major metropolitan cities and we are happy to help you with our personal loan application centres spread across all over India.

Looking for a quick personal loan in top commercial cities of India? Here we are to help you.

Frequently Asked Questions on Personal Loans

Why should I avail of a Personal Loan online?

Taking a Personal Loan online is faster, secure, hassle-free and transparent. It will save you a lot of time and effort.

Why should you choose us for a personal loan?

With Bajaj Finserv, you can avail of a personal loan from the comfort of your home. There’s no third-party involved, the online application process is super secure and paperless. Also, you get to choose from a variety of exclusive loan products that are tailor-made to suit your needs.

Do I have to provide any security, collateral or guarantors?

No, we don't ask for any kind of security or guarantee.

Do you offer balance transfer facility for Personal Loans?

With Bajaj Finserv, you can avail of a personal loan from the comfort of your home. There’s no third-party involved, the online application process is super secure and paperless. Also, you get to choose from a variety of exclusive loan products that are tailor-made to suit your needs.

When I submit information when availing a Bajaj Finserv Loan, how secure is my information?

All sensitive data like personal/financial information is encrypted and safeguarded with our best in class security systems. We don't share your information with any marketing agency or any 3rd party without your consent.

What is my personal loan eligibility?

You can apply for a personal loan if: 1. You are a salaried employee 2. You are between 23-58 years of age 3. Your minimum take home salary is greater than Rs. 37,000 and you reside in Tier 1 cities and Rs.27,000 in case you reside in Tier 2 cities.

Can I avail a loan if I am self-employed?

Check out the self-employed section for more details on personal loans/business loans and professional loans for self-employed individuals.

Can I avail of a NRI Personal Loan?

Presently, we only provide loans for Indian residents.

What are the EMI bounce charges on my Bajaj Finserv pre-approved loan?

We charge Rs. 1,000 per EMI bounce.

What are the penal charges for personal loan?

We charge 2% per month on the overdue amount.

What happens if my EMI payment bounces?

It is advised that you maintain sufficient funds in your account for clearing loan EMIs regularly. However, in case of an EMI bounce you would have to pay Rs. 1,000 (per bounce). This will also attract penal charges on further delay in paying EMI’s which would impact your CIBIL score.

What happens to my credit line in case of an EMI bounce?

This functionality is suspended in the event of an EMI bounce. This functionality is activated on a later date basis repayment history and as per internal policies.

How do I get my Personal loan foreclosure letter?

The foreclosure letter can be downloaded by logging in to our Customer Portal.

How do I make a Personal loan part-payment?

Login to our Customer Portal and go to make part-payment section to make a payment.

How can I foreclose my Bajaj Finserv pre-approved Personal loan?

Login to our Customer Portal and go to foreclose section to foreclose your Personal loan.

How do I pay my EMI’s?

Your EMIs will be auto deducted from your bank account via automatic ECS instruction.

What is the procedure to withdraw out of part payments made?

Log in to our Customer Portal and select the additional withdrawals tab on your account.

What is the minimum and maximum tenure that I can avail Personal loan for?

You can avail a personal loan for a tenure ranging from 1 year to 5 years (with annual renewal option for interest servicing loan).

Is there a minimum limit on part payment?

There is no minimum limit on part payment in case of Hybrid Flexi Personal Loan. However, there is a minimum limit of one EMI for part payment in case of Term Loan.

When can I make the part-payment?

You can make part-payments at any time after paying the first EMI of a Term Loan.

How many times can I make a part-payment?

There is no limit to the number of part payments in Hybrid Flexi Personal Loan. However, for Term Loans a maximum of 6 part payments can be made in a year.

When can I initiate foreclosure during my loan tenure?

You can foreclose your loan after paying your first EMI.

How will a part-payment change my EMI and/or tenure?

Part payments paid will be adjusted to the principal amount which results in a reduced monthly interest in case of Hybrid Flexi Personal Loan. For Term Loan, you can keep the EMI the same and reduce the tenure or you can keep the same tenure and increase the EMI.

Do you offer a top-up on existing Personal Loan?

Yes, you can avail a top-up on an existing personal loan. However, you can avail Line facility, which is more convenient for availing additional funds.

How much amount can I withdraw on my Term Loan?

Sorry, the withdrawal facility is not available for Term Loans.

Why do Hybrid Flexi Personal Loans have a higher interest rate than Term Loans?

You can save on interest payments even though the base rate is marginally higher than a Term Loan. The innovative customer-friendly features that come with Hybrid Flexi Personal Loans allows you flexibility and control on your loan repayment which can help you minimize the interest you pay. In case of any fund requirements, you can always withdraw from the part payments with funds instantly credited to your bank account.

How is a Line different from a Loan?

A line is a limit that is assigned to you as per your eligibility. A loan can be availed out of the line at any point of time and gets disbursed to your bank account without going through the hassles of applying again.

What documents do I need to submit to avail of a Personal Loan?

Usually, for a personal loan/line, you would need to provide proof of identity (Aadhar card, proof of current address, SPDC and a cancelled cheque).

How do I check my personal loan eligibility?

You can visit our personal loan eligibility calculator section for a quick online eligibility check.

How is my EMI calculated?

This is based on the loan amount, repayment tenure and interest/charges that come along with the loan. For more information on this subject, visit our EMI calculator page.

Why do I need to provide my bank account credentials while applying?

We fetch your last 3 months bank statements directly from your bank thus saving you the trouble of uploading the documents.

Can I get a Personal loan anywhere in India? What is the maximum loan amount that I can get?

We are present in 35 major cities in India. Click here to see the list. You can avail a Personal loan of up to Rs.25 lakh subjected to your eligibility.

What are EMI dates? Can I change them?

You can schedule your EMI payment date as the 2nd or 5th of every month. You may change your EMI dates at a nominal fee.

How can I change my tenure?

You can change your tenure by making part payments.

What is the Personal loan processing fee?

2% of the Personal loan amount is charged as processing fee. This fee is deducted from the loan amount.

What are the part-payment charges?

There are no part-payment charges on Hybrid Flexi Personal Loans. Term Loans come with a 2% part-payment fee.

What are the foreclosure charges?

We charge you 4% of the outstanding principal as foreclosure charges.

Are there any annual maintenance charges for Flexi Hybrid Personal Loan?

Yes, there is an annual maintenance charge of 0.25% levied on your loan amount.

Are there any other hidden charges?

No. We commit 100% transparency to you. There are no hidden charges at all.

Where will I get the disbursed Personal loan amount?

Finserv MARKETS offers quick Bajaj Finvser personal loans and the amount is credited directly to your bank account.

What is ECS-mandate?

ECS is an electronic mode of funds transfer from one bank account to another. You need to inform your bank and provide a mandate that authorizes the institution, that can then debit or credit the payments through the bank. The mandate contains details of your bank branch and account particulars.

How do I track the status of my online application?

Login to our Customer Portal to track the status of your online loan application.

How can I make my overdue payments?

You can pay your overdue EMIs online through the Customer Portal. This facility is offered to customers who have Net Banking activated for their Bank account.

How long does it take for the part-payment or withdrawal to reflect in the statement of bank account?

The part-payment or withdrawal will reflect in your bank statement within 30 minutes.

Where can I view my EMI status?

You can view and download your Statement of Account or Repayment Schedule from our Customer Portal. Alternatively, your statement of account will be forwarded to your registered email ID every month.

Where can I view my outstanding Personal loan amount?

You can view your outstanding Personal loan amount on our Customer Portal.

Where can I access my loan documents?

Scanned copies of your loan documents are available on our Customer Portal.

What should be my monthly income to be eligible for a personal loan for salaried individuals?

Based on your city of residence your minimum monthly salary must be the following: Rs. 37,000 - For Bangalore, Delhi, Pune, Mumbai, Hyderabad, Chennai, Coimbatore, Ghaziabad, Noida and Thane. Rs. 32,000 - For Ahmedabad, Kolkata, Cochin, Jaipur, Nagpur. Rs. 30,000 Jaipur, Chandigarh, Nagpur, Surat and Cochin. Rs 27,000 - For Goa, Lucknow, Baroda, Indore, Bhubaneswar, Vizag, Nasik, Aurangabad, Madurai, Mysore, Bhopal, Jamnagar, Kolhapur, Raipur, Trichy, Trivandrum, Vapi, Vijayawada, Jodhpur, Calicut and Rajkot.