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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 Bajaj personal loan today and enjoy life king-size.
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:
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.
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.
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.
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 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.
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.
A 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.
Whatever your need be, get instant personal loan up to 25 lakh to live your dream.
We offer tailor-made fast personal loans online to meet all your financial requirements.
You can avail unsecured loans without a guarantor at Bajaj Finserv.
Repay your Bajaj Finserv Personal loan in easy EMIs over a period of 12-60 months.
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.
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.
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.
With this Bajaj Finserv Personal Loan, you can withdraw without limit for, as many times you need.
Even if you choose to make part-payments for your principal amount, you will not incur any hidden charges.
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.
A Bajaj Finserv Personal loan online apply takes flat three minutes and post-approval, the loan amount will get credited to your bank account within 24 hours.
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.
Get the best personal loan offers that meet your requirements here. No need to look elsewhere!
100 million+ happy customers across India have chosen Finserv MARKETS as their trusted financial partner for Personal Loan. It's your time now!
Want a Bajaj Finance Personal Loan? Follow the 3 simple steps below and Apply for a loan today!
Fill in personal and employment details.
Select the Bajaj Finserv Personal loan amount and repayment tenure.
Get online approval in 3 minutes and money in your bank within 24 hours.
The eligibility criteria for Bajaj Personal Loan 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.
You need to submit the following documents while applying for a personal loan from us:
Check out the entire list of documents required for personal loan for more details.
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.
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.
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.
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.
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.
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.
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.
Pre-payment means early repayment of a loan. It is an EMI (Equated Monthly Installments) payment that's paid before its due date and is usually a big amount. If you have a large sum of money, then you can pay it to your lender as a part of your loan. Making this payment will lead to a reduction in the EMI amount for the remaining tenor, or reduction in tenor with the same EMI amount.
In personal loan part payment, you have a lump sum amount of idle money, but it is not equivalent to the entire principal outstanding loan amount. Part-payment brings down the principal amount unpaid, which in lowers you’re EMIs (Equated Monthly Installments) and the total interest you pay.
It’s an electronic mode used to transfer the funds from one bank to another. Equal monthly installments of loans and SIP investments are also done through ECS mode. This is used for both debit and credit purposes.
Over the years, the payment system has evolved a lot. NACH is a program offered by the National Payment Corporation of India (NPCI) to Banks, Financial Institutions and Corporate & Government Services. NACH aims at Repetitive interbank whether high or low volume debit/ credit transactions.
PDC’s are given by the payers for a future date. These PDC’s can either be cashed or deposited on the date mentioned on the cheque. It is common and works as a bill of exchange and cannot be payable or demanded before the date written on the cheque.
standing order or standing instruction is where an account holder pays a set amount to another bank/account at a regular interval. This facility is used to pay mortgage, rent or any other fixed payments because it is usually not suitable to pay for varying bill amounts.
For a loan statement, you need to get in touch with your lender online or in person. Most lenders have websites where you can just log in using your online credentials and provide your loan account number. After logging in you will be able to track your account and request for a statement. Similarly, you can also visit the branch office of the lender from where you have availed the loan and place a request for a loan statement.
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.
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.
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.
Taking a Personal Loan online is faster, secure, hassle-free and transparent. It will save you a lot of time and effort.
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.
No, we don't ask for any kind of security or guarantee.
At present, we do not offer balance transfer personal loan facility.
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.
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.
Check out the self-employed section for more details on personal loans/business loans and professional loans for self-employed individuals.
Presently, we only provide loans for Indian residents.
We charge Rs. 1,000 per EMI bounce.
We charge 2% per month on the overdue amount.
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.
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.
The foreclosure letter can be downloaded by logging in to our Customer Portal.
Login to our Customer Portal and go to make part-payment section to make a payment.
Login to our Customer Portal and go to foreclose section to foreclose your Personal loan.
Your EMIs will be auto deducted from your bank account via automatic ECS instruction.
Log in to our Customer Portal and select the additional withdrawals tab on your account.
You can avail a personal loan for a tenure ranging from 1 year to 5 years (with annual renewal option for interest servicing loan).
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.
You can make part-payments at any time after paying the first EMI of a Term Loan.
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.
You can foreclose your loan after paying your first EMI.
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.
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.
Sorry, the withdrawal facility is not available for 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.
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.
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).
You can visit our personal loan eligibility calculator section for a quick online eligibility check.
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.
We fetch your last 3 months bank statements directly from your bank thus saving you the trouble of uploading the documents.
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.
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.
You can change your tenure by making part payments.
2% of the Personal loan amount is charged as processing fee. This fee is deducted from the loan amount.
There are no part-payment charges on Hybrid Flexi Personal Loans. Term Loans come with a 2% part-payment fee.
We charge you 4% of the outstanding principal as foreclosure charges.
Yes, there is an annual maintenance charge of 0.25% levied on your loan amount.
No. We commit 100% transparency to you. There are no hidden charges at all.
Finserv MARKETS offers quick Bajaj Finvser personal loans and the amount is credited directly to your bank account.
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.
Login to our Customer Portal to track the status of your online loan application.
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.
The part-payment or withdrawal will reflect in your bank statement within 30 minutes.
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.
You can view your outstanding Personal loan amount on our Customer Portal.
Scanned copies of your loan documents are available on our Customer Portal.
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.
Your credit score reflects your credit worthiness, based on your borrowing and loan repayment history, as shared by lenders. Your CIBIL score ranges from 300 to 900 and the higher your score, the better are your chances of getting your loan application approved.
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.
Yes, you are required to submit your Aadhaar card at the time of applying for Personal Loans.
You can contact your bank or lending institutions where you have applied for a loan, to provide you with a copy of your repayment schedule.
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.
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!
A personal loan is a fixed amount of money borrowed at a fixed rate and repaid over a fixed amount of time. You can avail a personal loan from a bank, credit union or online lender. Personal loans are the unsecured type which means it requires some type of collateral. In that case, lenders look a.....
Medical emergencies can be frightening as it brings with them a lot of responsibilities that you are unprepared for. To get the best course of treatment in case of a medical emergency, you would require adequate funds to take care of all your medical expenses. Unfortunately, people don’t always h.....
A personal loan is a fixed amount of money borrowed at a fixed interest rate and repaid over some time. You can easily avail personal loan from a bank or Non-Banking Financial Companies (NBFCs). Personal loans are usually unsecured loans which means you are not required to pledge any collateral. .....
The unfortunate reality is that it is surprisingly easy to default on education loans. The cost of higher education is rising. At the same time, there’s a rise in the number of fresh graduates in certain career streams. In case of a student loan, just missing out on a few payments can lead to a d.....
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In recent years, there has been a significant rise in the number of women entrepreneurs across the country. In order to further encourage women entrepreneurs, the Indian Government has introduced several schemes such as Annapurna scheme, Udyogini scheme, Mudra yojana scheme, etc. to support them .....
Your Credit Information Bureau India Limited (CIBIL) score plays a crucial role in determining whether your loan application will be approved or rejected. CIBIL score, commonly known as credit score, determines your creditworthiness and your repayment capacity. Thus, the higher your credit score,.....
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The world is rapidly changing, and you can see the evolution in today’s work culture as well. As the market is opening up to newer professions, you can get your dream job anywhere in India. However, it is not easy to get a well-paying, respectable job in this extremely competitive market. Having .....
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In today’s competitive age, all of us desire to have a luxurious lifestyle. If not, at least own a decent house, car, travel abroad, etc. But what if monetary limitations restrict you from realizing your desires. This is where a personal loan can come to your rescue. Nowadays, with the help of le.....
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When handling money, there has always been a perception that women don’t like to or are unable to manage their finances, investments and taxes independently. However, this situation has changed over the years and women are now actively participating in money-related decisions. Women in India cons.....
Travelling nowadays has become an important part of modern millennial life. Millions of people all over the world travel about their own countries and abroad as well. People travel for business purposes or to visit destinations surrounded by natural habitat to get away from their busy city life a.....
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Financial emergencies can take a toll on your savings. However, with the help of a personal loan, you can overcome this problem quickly and in a hassle-free manner. A personal loan can be used for various purposes such as repaying credit card debt, managing medical expenses, home renovation, taki.....
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Personal loans are “all-purpose loans”. You can avail them for fulfilling any personal or financial need, such as paying expensive medical bills, funding a business venture, arranging grand wedding functions, investment purpose, etc. Many banking and non-banking financia.....
Availing a personal loan is the most preferred way to manage instant funds. Personal loans are no-qualms loans. You do not have to provide any collateral as a form of guarantee. Also, they can be availed for any personal reasons, which makes their application and process.....
A personal loan is your best bet when there is an immediate need for funds. A personal loan can be availed for debt consolidation, paying medical bills, redecorating your house, starting a new business venture, funding your travel plans or any other personal purpose......
A personal loan is often the best choice when you are in need of immediate capital. Today, availing a personal loan from any bank or NBFC’s (Non-Banking Financial Company) is much less of a hassle as compared to availing any other type of loan. As a result, people often .....
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Opting for a personal loan is the best option when you are facing a financial crunch. As the name suggests, a personal loan is a type of loan that can be used for any personal purpose. Most personal loans are unsecured in nature, meaning that you do not have to provide any collateral as a form of.....
Personal loans are multi-purpose loans that enjoy high demand in the financial market. These loans are unsecured (you do not have to provide any collateral against them) and offer flexibility in terms of their repayment options as compared to the other types of loans. No.....
When faced with a situation that demands immediate financial respite, an online personal loan is your best go-to option! There are several advantages of applying for a personal loan online. Some of them include:
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.
Posted on 23 Jul 19
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.
Posted on 30 Jan 19
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.
Posted on 5 May 19