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Get a Bajaj Finance personal loan of up to ₹55 Lakhs at interest rates from 10% p.a., with tenures up to 108 months.
Last updated on: Aug 28, 2026
If you are looking to maintain an emergency fund or need easy access to high amounts, apply for a Bajaj Finance Personal Loan in 2026. Designed to cover collateral-free borrowing with instant digital approval, the loan amounts range from ₹40,000 to ₹55 Lakhs, with the benefit of tenures ranging from 12 months to 108 months. Opt for a term loan or a flexi personal loan, depending on your repayment capability and financial situation.
Here’s a quick look at the key features that could make a personal loan with Bajaj Finance a suitable option for your financial needs:
| Loan Features | Details |
|---|---|
Bajaj Finance Personal Loan Interest Rate |
10% p.a. - 30.50% p.a. |
Maximum Loan Amount |
₹55 Lakhs (Inclusive of Insurance Premium, VAS Charges, Flexi facility charge, Stamp Duty and Processing fees) |
Minimum Loan Amount |
₹40,000 |
Maximum Loan Tenure |
108 months |
Minimum Loan Tenure |
12 months |
Disclaimer:
Understanding your monthly outgo is essential before committing to a personal loan. An EMI calculator helps you plan better by estimating your instalments in advance. Here is how the Bajaj Finance Personal Loan EMI Calculator can support you in managing your repayments effectively:
Get a loan between ₹40,000 and ₹55 Lakhs with interest rates starting at 10% p.a.
Apply for the loan with zero collateral requirements.
Here’s an overview of the additional fees and charges you should know to manage your personal loan with Bajaj Finance effectively:
| Particulars | Details |
|---|---|
Processing Fee |
Up to 4.13% of the loan amount (Inclusive of applicable taxes) |
Pre-payment Charges |
Full Pre-Payment:
Part Pre-Payment:
|
Annual Maintenance Charges |
|
Penal Charges |
Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount. |
Bounce Charges |
₹700 & ₹1,200/- per bounce
“Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason. |
Stamp Duty |
Payable as per state laws and deducted upfront from loan amount. |
Flexi Facility Charge |
Will be deducted upfront from loan amount. |
Disclaimer: The mentioned values are subject to change at the lender’s discretion.
Here are the eligibility criteria you need to meet before applying for a Bajaj Finance Personal Loan:
Here’s a checklist of documents that can help you speed up your application for a personal loan with Bajaj Finance:
Identity proof (Any one): Aadhaar card, Passport, Driving licence, or Voter ID
Income proof: Salary slips for the last three months
Bank statement: Statement for the last three months
Here’s a simple step-by-step guide to help you apply for a Bajaj Finance Personal Loan on Bajaj Markets:
Click here to get started with the loan application journey
Enter your personal and professional details accurately
From the available loan offers, select ‘Bajaj Finance’
Choose your preferred loan amount and repayment tenure
Click ‘Submit’ to complete your application
After submission, your application will go through verification. Once approved, a representative will connect with you to guide you through the next steps.
Here are the reasons why choosing a Bajaj Finance Personal Loan on 2026 could help you manage your borrowing needs better:
You can apply for a personal loan without pledging any of your assets as security. This helps you secure funds without risking your valuables.
Enjoy attractive interest rates starting from 10% p.a.. This helps keep your overall borrowing cost under control.
With the Flexi Loan option, you pay only the interest during the initial tenure. This eases your repayment in the early months.
Choose a repayment period between 12 and 108 months. This flexibility allows you to choose an EMI plan that fits your budget.
All applicable charges are clearly communicated upfront by Bajaj Finance. This ensures you are fully aware of the costs involved.
Managing your monthly installments is completely digitised, allowing you to choose a payment flow that best suits your routine. Below are the various channels by which you can make your EMI payments:
Note: The available payment modes, channels, and related payment procedures may be modified from time to time at the sole discretion of the lender. Borrowers are advised to visit the official Bajaj Finance website or mobile app to view the latest payment options and terms.
Here’s how you can reach out to Bajaj Finance customer care for assistance with your personal loan queries:
Phone Number: 086980-10101
E-mail ID: wecare@bajajfinserv.in
Address: 6th Floor, Bajaj Finserv Corporate Office, Off Pune-Ahmednagar Road, Viman Nagar, Pune - 411014
Disclaimer
Reviewer
Yes, you can apply for a personal loan from Bajaj Finance if you meet the eligibility criteria. Simply complete the application form and upload the necessary documents on the Bajaj Markets portal.
Bajaj Finance offers personal loans starting from ₹40,000 and going up to ₹55 Lakhs. Interest rates start from 10% p.a. You can choose flexible repayment tenures starting from 12 months and extending up to 108 months, to suit your budget.
Yes, Bajaj Finance Personal Loans on Bajaj Markets are available for self-employed people with private companies, public firms, or reputed MNCs.
The repayment tenure ranges from 12 months to 108 months, giving you flexibility to plan your instalments as per your financial comfort. Interest servicing period can be up to 36 months.
Your credit score, monthly income, job stability, desired loan amount, tenure, and relationship with the lender influence the interest rate offered to you.
Yes, you can choose to prepay or foreclose your loan. However, this will attract certain charges, which you should review before proceeding.
The interest rate for a Bajaj Finance personal loan of ₹1 Lakh starts from 10% p.a., and can go up to 30.50% per annum. The precise interest rate depends on the credit score, income, relationship with Bajaj Finance, and the chosen loan tenure.
You have a 1-day window from date of disbursement. This applies to all digital loans (as per company policy on Cooling off period).
The Bajaj Finance personal loan interest rate ranges between 10% p.a. and 30.50% per annum. The exact rate assigned to your loan depends on individual eligibility criteria, including your credit profile, monthly net income, employment stability, and existing financial obligations.
Eligibility typically requires applicants to be residing Indian citizens aged between 21 and 80 years. Salaried individuals should be employed with a reputable public, private, or MNC firm, meet the city-specific minimum monthly salary requirements, and maintain a stable, healthy credit profile.
For any assistance or loan queries, you can reach the Bajaj Finance customer care helpline by calling +91 8698010101. The interactive voice response (IVR) system is accessible 24/7 in multiple regional languages to help resolve your service issues efficiently.
A CIBIL score of 730 or higher is generally preferred to qualify for a Bajaj Finance personal loan. Maintaining a higher credit score significantly improves your eligibility, speeds up the digital approval process, and helps you secure competitive interest rates on your borrowing.
Bajaj Finance offers substantial personal loan amounts up to ₹55 Lakhs, depending on the specific loan variant, your professional profile, and overall repayment capacity. The final sanctioned amount is tailored according to your monthly net income and credit history.
You can easily track your loan status in real-time by logging into the official Bajaj Finance website or mobile app. Navigate to the ‘Track Application’ section, enter your registered mobile number, verify it with an OTP, and instantly view the live progress of your application.
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