Bajaj Finance Personal Loan

⋆ Interest Rate 9.99% ⋆

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Why us?

Rates as low as 9.99%*
Loans Up to 30 Lacs
Same Day Disbursal
Doorstep Service
Unbiased Experts Advice

Bajaj Finance Personal Loan Key Features

Bajaj Finance Personal Loan Eligibility Criteria
Bajaj Finance Personal Loan Interest Rate 9.99% per annum
Bajaj Finance Personal Loan Processing Fee 1%
Age 23-55 (at loan maturity)
Lowest EMI per lakh Rs 2275
Tenure 12 to 60 months
CIBIL score Minimum 750 or above
Prepayment Charges 4%
Part-Prepayment 2%
Minimum Loan Amount ₹ 50,000
Maximum Loan Amount ₹25 Lakh

Each Feature Explained in Detail Below


Bajaj Finance Personal Loan Eligibility Criteria

The eligibility criteria for Bajaj Finance Personal Loan is as follows:

CIBIL Score 750 and Above
Age 23-55 years
Min Income Rs 25000/month
Occupation Salaried/Self-employed

Bajaj Finance Personal Loan Fees and Other Charges

The interest rate, fees, and other charges for Personal Loan are:

Bajaj Finance Personal Loan Interest Rate 9.99% per annum
Bajaj Finance Personal Loan Processing Charges 1%
Prepayment Charges 4% + GST
Part-Prepayment Charges 2% + GST
Stamp Duty As per state laws
Bounce Charges Rs. 600 to Rs. 1200
Penal Interest 2% to 4%

Bajaj Finance Personal Loan Documents Required

You will need the following documents when filing an application for Bajaj Finance Personal Loan:

Proof of Identity Copy of:
Driving Licence
Passport
Aadhar Card
Voter ID Card
Proof of Address Rent Agreement (Min. 1 year of stay)
Utility Bills
Passport (Proof of permanent residence)
Ration card
Proof of Income  ITR: Last two Assessment years
Salary Slip: Last 6 months
Bank Statement: Last 3 months

Bajaj Finance Personal Loan EMI Calculator

You can use the Bajaj Finance Personal Loan EMI Calculator here

Bajaj Finance Personal Loan Processing Time

Bajaj Finance offers the fastest approval process for availing a Personal Loan. Once the basic requirements of providing the copies of required documents are fulfilled, the total time to get approval for your loan is only 6 hours. Once the approval has been obtained, all that is required is your signatures on the loan application form and agreement, and the money is credited to your bank account.

Bajaj Finance Personal Loan Preclosure Charges

Bajaj Finance has easy and simple processes for all its services, including preclosure of the loan you have taken from them. You can easily pre-close your loan or even make a part payment by contacting their service representative at the nearest branch. The prepayment charges depend on the number of years your loan has been serviced. Depending on the tenor of the loan completed, the prepayment charges are calculated.

Types of Bajaj Finance Personal Loan

Bajaj Finance Flexi Personal Loan

In this facility, you can make prepayments of your loan. In this way, you can save the rates of interest. Like if your EMI is Rs. 5000 then you can pay up to Rs. 15000, if you are capable of doing so. Besides that, you can claim the prepaid amount during the tenure of the loan without any additional documentation.

Bajaj Finance Durable Personal Loan

This type of personal loan is given to customers to purchase consumer durables individually. Like if you want to buy an LED, LCD or air conditioner, etc., then you can get this kind of loan. This loan is very readily available with minimal documentation. Besides that, the amount of loan sanctioned can be up to Rs. 5 Lakhs. Moreover, this provides the facility of foreclosure if you have paid one EMI of the loan.

Bajaj Finance Lifestyle Personal Loan

This loan is sanctioned to purchase any lifestyle durables or services. It is a kind of on-the-spot loan. You can get up to Rs. 3 Lakhs in this type of loan. The process is easy and hassle-free.

How to apply for Bajaj Finance Personal Loan

To apply for a Bajaj Finance Personal Loan, you can either connect with them offline or follow the steps given below:

  1. Visit our website at Dialabank.
  2. Go to the Bajaj Finance Personal Loan
  3. Check Eligibility criteria and loan schemes.
  4. Fill a simple online form with your required details.
  5. Once you’re done with this, our representative will call to assist you.
  6. Your loan will get approved in no time.
  7. For more information, you can contact 9878981166

Bajaj Finance Personal Loan Comparison with Other Banks

Bank Interest Rate Tenure Loan Amount & Proc Fee
Bajaj Finance Starting from 9.99% 12 to 60 months Up to Rs. 25 lakh / Up to 4.13% of the loan amount
HDFC Bank 11.25% to 21.50% 12 to 60 months Up to Rs. 40 lakh / Up to 2.50% of the loan amount
Bajaj Finserv Starting from 12.99% 12 to 60 months Up to Rs. 25 lakh / Up to 3.99% of the loan amount
Axis Bank 15.75% to 24% 12 to 60 months Rs. 50,000 to Rs. 15 lakh / Up to 2% of the loan amount
Citibank Starting from 10.99% 12 to 60 months Up to Rs. 30 lakh / Up to 3% of the loan amount
ICICI Bank 11.50% to 19.25% 12 to 60 months Upto Rs. 20 lakh / Up to 2.25% of the loan amount

Other Loan Products from Bajaj Finance

Bajaj Finance Business Loan Bajaj Finance Home Loan Bajaj Finance Two Wheeler Loan
Bajaj Finance Gold Loan Bajaj Finance Loan Against Property Bajaj Finance Loan Against Car

FAQs About Bajaj Finance Personal Loan

✅ How to apply for Bajaj Finance Personal Loan?

You can apply for a personal loan with Bajaj Finance through visit the nearest branch of Bajaj Finance or you can submit a form with Dialabank. You can get the benefit to apply from anywhere.

✅ What is the Interest Rate for Bajaj Finance Personal Loan?

The interest rate charged by Bajaj Finance starts at 9.99% for their loan products.

✅ What is the minimum age for getting a Personal Loan from Bajaj Finance?

You must be 23 years old for getting a personal loan from Bajaj Finance.

✅ What is the maximum age for getting a Personal Loan from Bajaj Finance?

The maximum age for getting a Personal Loan from Bajaj Finance is 55 years.

✅ What is the minimum loan amount for Bajaj Finance Personal Loan?

You can avail of a minimum loan amount of Rs.50,000 for your personal loan from Bajaj Finance.

✅ What is the maximum loan amount for Bajaj Finance Personal Loan?

The maximum loan amount for getting a personal loan from Bajaj Finance is Rs. 25 lakhs.

✅ What are the documents required for Bajaj Finance Personal Loan?

The documents required for a personal loan are aadhaar card, driving license, voter ID card, passport, ration card, bank statement of last 3 months, salary slips of last 6 months, ITR of 2 assessment years from Bajaj Finance.

✅ What is the Processing Fee for Bajaj Finance Personal Loan?

The processing fee for a personal loan charged by  Bajaj Finance is 1% of the loan amount.

✅ How to get Bajaj Finance Personal Loan for Self Employed?

Bajaj Finance provides personal loans for Self Employed to help them financially. You will have to show the ITR files for the last two financial years.

✅ What is the Maximum Loan Tenure for Bajaj Finance Personal Loan?

 The maximum loan tenure in Bajaj Finance for a personal loan is up to 60 months.

✅ What should be the CIBIL Score for Bajaj Finance Personal Loan?

You must have 750 and above CIBIL score for getting a personal loan from Bajaj Finance. 

✅ Do I have a preapproved offer for  Bajaj Finance Personal Loan?

You can check out your preapproved offers for a personal loan from Bajaj Finance with Dialabank. You just have to fill a form and we will check out best offers for you.

✅ How to calculate EMI for Bajaj Finance Personal Loan?

To calculate your personal loan EMI for Bajaj Finance, use the EMI calculator accessible at Dialabank’s website.

✅ How to pay Bajaj Finance Personal Loan EMI?

Your personal loan EMIs are automatically subtracted from your bank account. You can also pay your EMIs from the net-banking facility of Bajaj Finance.

✅ How to close Bajaj Finance Personal Loan?

You must have paid the outstanding loan amount before close your personal loan and then collect no dues certificate from the Bajaj Finance branch.

✅ How to check Bajaj Finance Personal Loan Status?

You have to visit the Bajaj Finance branch for checking your personal loan status. Also, you will contact Dialabank by filling a simple form and Dialabank will do the best for you.

✅ How to close Bajaj Finance Personal Loan Online?

For closing your personal loan from Bajaj Finance, you have to follow the given steps:

  • Visit the net-banking page of Bajaj Finance.
  • Login by filling the details.
  • Pay your personal loan.
  • Save the transaction receipt.

✅ How to pay Bajaj Finance Personal Loan EMI Online?

You can pay your personal loan EMI through the net-banking services of Bajaj Finance. Dialabank allows you to compare offers and deals of different banks to opt the best, low-EMI personal loan. You just fill a form with Dialabank.

✅ How to check Personal Loan Balance in Bajaj Finance?

You need to contact the customer care number of Bajaj Finance to check out your personal loan balance. If you want low-interest personal loans, you can visit Dialabank and fill a form for Personal Loan Balance Transfer, and the bank will do the best work for you.

✅ How to download Bajaj Finance Personal Loan Statement?

You can download your personal loan statement for Bajaj Finance using the Bajaj Finance banking app. You also visit online with Dialabank and fill a simple form there and the bank will provide you with the best offers by comparing offers of different banks.

✅ How to Top Up Personal Loan in Bajaj Finance?

If you require a top-up personal loan from Bajaj Finance, you must visit the bank branch and come in contact with the loan officer. You also fill a form with Dialabank at Personal Loan Top Up.

✅ What happens if I don’t pay my Bajaj Finance Personal Loan EMIs?

If you are unable to pay your personal loan EMIs, Bajaj Finance charges a penal interest. With Dialabank, you can apply to get low-interest personal loans for a balance transfer. 

✅ How to find Bajaj Finance Personal Loan account number?

You will contact with Bajaj Finance loan branch to know about your account number. You also fill the form available at Dialabank.

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