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About Bajaj Finserv Personal Loan

Bajaj Finserv is one of the most diversified non-banking financial institution in India. The company also has the reputation of being a premier financial institution for providing loans to the Indian customers for buying consumer durable products. If you are looking to buy a refrigerator, washing machine, TV or any other item, you can easily avail a personal loan to buy the product.

Bajaj Finserv is one the leading financial organizations in India that is known to offer personal loan up to 25 lakh for salaried employees to help them meet their immediate financial needs. The best thing about getting a loan from Bajaj Finserv is that the institution provides full liberty to the people availing loan to use the money for any purpose they want without any restrictions.

Features of personal loan from Bajaj Finserv

  • Bajaj Finserv is known for its quick approval process of personal loans thereby ensuring that you get the amount in quick time. Bajaj Finserv is also known for having the fastest loan disbursal time as compared to other non-banking financial institutions in India.

  • The personal loan offered to salaried individuals has the most affordable interest rate. The loans are offered at rates as low as 16%

  • Unlike most other loan providers in India, you need not have to personally visit the institution and go through the hassles running up and down the banks. Instead, you can apply for a loan online with just a click of a button.

  • Bajaj Finserv allows personal loan borrowers to repay their loan before the actual tenure without any additional cost. Bajaj Finserv also provides you the option to pre-pay the loan up to 6 times in one year.

  • Bajaj Finserv allows you to close your personal loan with zero foreclosure charges, which makes it one of the most popular loan service providers in the market.

Benefits of applying for personal loan at Bajaj Finserv

  • One of the biggest benefits of applying for personal loan at Bajaj Finserv is that the application is processed quickly and the approval is granted online within few minutes. The loan is approved in less than 90 seconds.

  • Bajaj Finserv offers personal loan up to 25 lakhs for all borrowers. The amount is much higher than the any other bank or financial organization in India.

  • The loan is offered at the most attractive rates of interest; you can get your personal loan for as low as 16%.

  • If you are an existing Bajaj Finserv customer you would get the benefit of exquisite special offers such as pre-approved loans

Bajaj Finserv Personal loan Interest rate & other charges

Bajaj Finserv is one the leading financial organizations in India that is known to offer personal loan up to 25 lakh for salaried employees to help them meet their immediate financial needs. The best thing about getting a loan from Bajaj Finserv is that the institution provides full liberty to the people availing loan to use the money for any purpose they want without any restrictions.

Bajaj Finserv Personal Loan EMI Calculator

You can either use maths or our online Personal Loan EMI Calculator. You need to fill in the details of your loan amount, tenure and interest rate.

Documents Required for Bajaj Finserv Personal Loan

  • 2 passport sized colour photographs

  • Salary slip for last 3 months

  • Bank statement for last 3 months

  • Employee ID card and visiting card

  • Appointment letter from the current employer

  • Proof of identity

  • Age proof

  • Proof of permanent residence

  • Signature proof

What is the interest rate for personal loan?

The interest rate varies between 14.25% - 16.75% depending upon the amount of your loan.

What are the minimum and maximum loan amounts and tenor options available in salaried Personal Loans?

A salaried person can go for loan up to 25 Lacks. You may choose any loan amount ranging from Rs.1 lakh to Rs.18 lakhs. The final sanction will depend on your income and various other criteria. You can choose a tenor ranging from 12 to 60 months, depending on your preference and the loan sanctioning conditions.

What is the benefit of a Flexi facility compared to a normal Term Loan?

You have the flexibility to pre-pay the loan with idle funds, you can re-avail the pre-paid amount within the drop-line facility at any time within the loan tenor and you save on Interest costs.

What is the process of part-prepayment?

Bajaj Finserv provides all customers with a unique account number, the customer can make all payments / pre-payments into this unique account through their net banking account. The same will be credited to the Flexi account within the stipulated time as per banking guidelines.

What are the eligibility criteria to avail the personal loan?

You must be a resident of India, you must be at least 25 years of age when the loan is sanctioned, if you are a salaried individual, you must have 3 years of experience. If you’re a self-employed professional, you should be earning sufficient.

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