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A personal loan is a great way to get the necessary financial assistance in times of need. Be it financing a trip to your dream destination, renovating your home with modern furnishing, planning your wedding 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 application process is carried out online, hassle-free. The process requires minimal documentation and your loan can be approved in 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:

Types of Personal Loans

Travel Loan

Travel loans are personal loans that are used specifically for traveling. People travel all the time whether it’s for holidays or business-related activities. A travel loan will cover all your travel expenses including, flight tickets, food, entertainment, accommodations, etc. Many banks and financial institutions offer travel loans in india at attractive interest rates and flexible repayment options.

Two Wheeler Loan

A two-wheeler is an economical option that can be purchased to ease your daily commute. With a two-wheeler loan, you get cash payment options if you do not have a bank account. This makes it feasible for everyone to make their loan payments.

Car Loan

To purchase a car you need sufficient funds to be able to make the full payment. However, if you lack funds you can always opt for a car loan by making monthly installments. You only need to fulfil certain requirements regarding the initial down payment, interest rate, and time of the loan, you'll then be able to drive your new car off the lot.

Home Renovation Loan

If you are looking to renovate your property, you need a good amount of money to refurbish your home without having to worry about the expenses. Loans for home renovations help you cover the complete repairing cost, while simultaneously increasing the economic value of your house on the real estate market.

Education Loan

Education loans are used specifically for higher studies in India or overseas. This loan host a lot of benefits such as minimal documentation, quick loan disbursal, tax benefit, long repayment tenure, etc. Providing financial support to students pursuing professional education.

Wedding Loan

Indian Weddings are a costly affair. Most people have dreams of having a grand wedding. With a marriage loan, you can finance your wedding expenses and make your day a memorable one.

Medical Loan

medical loan is the best way to cover an emergency that could change your life. You do not have to worry about the interest rate and apply for the loan when in need. The loan has basic eligibility criteria and a quick application procedure. Your loan will be approved in no time and you will get immediate access to funds.

Features and Benefits of Bajaj Finserv Personal Loans

  • Instant Personal Loan

    Whatever your need be, get instant personal loan up to Rs. 25 Lakhs 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 Health Check Report(FHCR) from Finserv MARKETS and enjoy customized insurance plans to protect your loan liability. No third party involvement in the 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

The Bajaj Finance Personal Loan application process is completely online. The approval of your loan will take just 3 minutes. Post-approval, the loan amount will get credited to your bank account within 24 hours.

Minimal paperwork involved

The lending process on Finserv MARKETS is practically paperless and instant.


We do not believe in hidden charges. You will 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 Personal Loan Details

    Select the Bajaj Finserv Personal loan amount and repayment tenure.

  • Approval & Disbursal

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

Personal Loan Eligibility & Documents

Personal Loan 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.
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!

When applying for a personal loan in India, you need to make sure you fulfill the eligibility criteria and submit the requested set of documents for further verification. Check the personal loan eligibility criteria and a detailed list of Personal loan documents to know more.

Fees & Charges for Personal Loan Application

Bajaj Finance Personal Loan offers interest rates starting 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.

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.

How to improve your chances of Getting a Personal Loan?

  • Maintain a good CIBIL Score

A good credit score reflects your loan repayment ability in terms of past credit history. The higher your CIBIL score, the better are your chances of approval of loans.

  • Limit your outstanding debt

Your debt to income ratio like your income is a measure of how much you can afford to borrow. It not only shows lenders that you are able to repay your loan each month but also that you’re responsible with your money.

  • Avoid Multiple Loan Application

In order to get a loan, you might be tempted to approach multiple lenders at the same time. However, this behaviour reflects desperation for a loan. Being a borrower you might not want to be in such a situation.

  • Have a steady income

A borrower with a job and a steady source of income have higher chances of getting their loan approved. Lenders might call your bank to verify your bank account and credit statements.

  • Avoid rushing into loan applications

It’s a good idea to retain a gap of at least 6 months between your loan applications. If your loan application gets rejected and you are in no hurry for the loan amount you can step back for a few months and apply for a loan again.

Tips for Successful Personal Loan Application

  • You need to ensure that you're able to meet the eligibility criteria set by the lenders.
  • Lenders approve loans, and offer attractive interest rates to applicants with a good credit score.
  • Choose a bank or a non-banking financial company that offers a suitable personal loan, and apply to the chosen lender only.
  • Make sure that you have all the necessary documents required such as address proof, annual income, and credit history as lenders are bound to check the information provided.
  • Apply for a loan amount that can be repaid by you. If the amount is not within your repayment capability, you can result in rejection of your personal loan application.
  • You should have a steady and stable source of income to reassure the lender about the ability to repay the loan on time.

Personal Loan Disbursal

With a personal loan, the funds gets deposited to your account after the loan has been approved. And, the loan agreement has been finalized. You are free to use the loan amount for multiple purposes like medical bills, higher education, travel expenses, home renovation etc.

What is CIBIL Score and how does it impact your Personal Loan application?

CIBIL Score is one of the most commonly used scores when determining your eligibility for a loan or a credit card. It's a three-digit number ranging from 300 to 900 that sums up your credit history of borrowings. Your CIBIL Score plays a major role in your loan approval process. With a good credit score your chances of getting a personal loan become higher. But if you have a low credit score; it is highly likely that your application will be rejected even if you meet the income criteria.

Get Instant Bajaj Finserv Personal Loan in all Top Metro Cities

Avail instant personal loan online 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.

Bajaj Finserv MARKETS iOS App Download

Apply for Personal Loan on Finserv MARKETS App

Personalized choices for Loans, Cards, Insurance, Investments & UPI Payments along with No Cost EMI offers to shop for a wide range of lifestyle products – discover more on the Finserv MARKETS App.

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 Finserv MARKETS, 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?

    At present, we do not offer balance transfer personal loan facility.
  • ✔️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 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.
  • ✔️How do I pay my EMI’s?

    Your EMIs will be auto deducted from your bank account via automatic ECS instruction.
  • ✔️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).
  • ✔️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.
  • ✔️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 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.
  • ✔️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.
  • ✔️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 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.
  • ✔️How Does Personal Loan work?

    Personal loans are a type of installment loan where you can borrow a fixed amount of money and pay it back with interest in EMIs over the tenure of the loan. A personal loan tenure typically ranges from 12 to 84 months. Once you’ve made the complete loan payment, your account is closed.
  • ✔️Is it mandatory to submit my Aadhaar card to borrow a personal loan?

    Yes, you are required to submit your Aadhaar card at the time of applying for Personal Loans.
  • ✔️What is the minimum CIBIL score required for a Personal Loan?

    It is advisable to have a CIBIL score of 750 or above to be qualified for a personal loan. A good credit score increases your chances of getting your loan approved.

Apply for Bajaj Finserv Personal Loan from Finserv MARKETS in few easy steps

Personal Loan

Worried about fulfilling your financial needs? Well, drop all your worries. Bajaj Finserv personal loans available on Finserv MARKETS will take care of all your financial needs! With us, your personal loan application can be approved within 3 minutes and the money can be deposited into your account within 24 hours! So why wait? Apply now and realize your dreams with a Bajaj Finserv personal loan!

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Personal Loan Reviews

Personal Loan Reviews

4out of 5

24 reviews

Easy Personal Loan

Out of my experience of transacting with several banks, I wish to state that the personal loan services and offers provided by Finserv MARKETS is the best of all. They helped me to cover all my financial requirements with ease.

Bajaj Finserv Personal Loan

I took a Bajaj Finserv personal loan. This was the third loan taken from them. I like how easy is the processing of the loan is. The loan disbursement was quite quick. Their EMIs are quite flexible and convenient for me.

Personal Loan for Traveling to My Dream Destination

This was my first experience with Finserv MARKETS and I must say that the experience was swift and transparent. My personal loan application was approved in minutes and the amount credited to my bank account in a day or two! Thank you so much for helping me fund a dream vacation for my family.

Online Process is Fast and Easy

Online mode of application was very nice, process was fairly easy, associate provided complete information. The mobile application is very easy to use and has nicely defined processes for buying products & investing money. Overall, I'm satisfied with Finserv MARKETS.

Super fast process

Super fast process! It was seamless and comfortable, complete information was provided and same was acknowledged on mail, executive supported very well, portal is easy to process application, acknowledgement sheet was very nice, portal is good and easy to process, mobile application is nice and I am using it almost daily, also executive explained how to use application.

Instant Loan Process

Process was very fast, complete guidance was provided by their in-house expert, the Finserv MARKETS portal is best and Mobile application is also easy to track the loan application. The completely digital process is best part of Bajaj, satisfied with the process.

Process is easy & Hassle-free

Process was very fast and accurate, associates were quite informative and provided complete information, their mobile application is nice, portal was quite easy to process my application. Overall their services are very nice!

Quick Loan Disbursal

Service and punctuality was nice, process was easy, executive informed complete loan details and also sent the details on mail for confirmation, portal was good and easy to process my application.

Product Explained Properly

Complete information was provided by executive. Portal is good and easy to access.

Loan Disbursal was done Instantly

Process was very good and quick. Disbursal was quick, all details were shared via mail and message, so I am totaly satisfied with the process. Quick and professional service, got every detail which I needed. I had an urgent requirement and I got the loan very quickly, hassle free.

Good Service

Customer service was nice, executive provided complete information, portal is easy.

Complete Details Provided

Overall process was nice and the executive explained complete details. Customer portal is good and easy to use.

Application was processed easily

Process was very good. It was a very easy and fast process. Executive supported and processed application very well. Customer portal is simple and Finserv MARKETS app is easy to use. Happy with the service.

User-friendly and easy process

Process was simple and fast. Executive shared complete details and explained the product. The online process is simple and was user-friendly. Overall services are pretty good.

Quick Loan Process

Process was really fast and easy. Executive explained complete details. Portal was simple to process application.

Great Service!

Process was very fast and executive explained complete loan details. Overall service was nice. The Finserv Markets customer portal was also easy to use.

Customer Service is Great!

Process was easy and fast and the executive provided complete information about the loan process. The executive was co-operative.

Loan Process was Quick

Executive provided complete information. Process was quick and easy through Finserv MARKETS. The customer portal makes the process even more hassle-free!

Attractive Interest Rates

I recently availed a personal loan to finance my daily business operation. The application process was smooth and the Bajaj Personal Loan interest rate was very attractive. Even the customer service provided was very efficient and reliable. Highly satisfied with the overall experience.

Convenient & Quick Process

If you are looking to avail a personal loan, I would highly recommend you to opt for a Bajaj Finance Personal Loan. I availed the same last to manage my daughter’s wedding expenses. Right from application to the loan disbursal, everything was very quick and convenient. Couldn’t have asked for a better service.

Simple Application Process

I could easily apply for a personal loan online through a simple application process. I got the loan amount credited to my bank account within 24 hours. The documents required were minimal and the interest rate was highly attractive. In my opinion, online personal loan at Finserv MARKETS is certainly one of the finest ways to manage immediate financial requirements.

Instant Loan Disbursal

There are a lot of financial institutions that offer personal loans in India. However, I would suggest you to opt for an instant personal loan at Finserv MARKETS. I applied for a personal loan online and received the loan amount within a short duration.

Flexible Repayment Options

Bajaj Finserv Personal Loan comes with attractive interest rate and other attractive features such as competitive interest rate, prepayment facility and flexible repayment option. I availed a personal loan at Finserv MARKETS recently and I am extremely happy with the service I received.

Smooth Application Process

Availing a personal loan online was never this easy. Bajaj Finserv Personal Loan can be availed instantly through a smooth online application process. The eligibility criteria is also very simple and the personal loan comes with attractive rate and other features such as unlimited withdrawals, flexible repayment tenure, etc.