Bajaj Finance Personal Loan

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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

Features Details
Age 23-55 (at loan maturity)
CIBIL Minimum 750 or above
Interest Rate Starts @ 9.99% 
Lowest EMI per lakh Rs 2275
Tenure 12 to 60 months
Processing Fee 4.13% of Loan Amount
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

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 Interest Rate and Charges

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

Interest Rate Starts @ 9.99%
Processing Charges 4.13% of the Loan Amount + GST
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:
> Passport
> Driving License
> 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

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

You can apply for a Personal Loan from Bajaj Finance in 3 easy steps : 

  1. Visit dialabank.com
  2. Fill in your required details, and you will get a call from our representative.
  3. Share your documents and get instant approval.

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?

To apply for Bajaj Finance Personal Loan through online and offline as well.

Apply online, visit the bank’s website and fill the application form and apply for the personal loan.

Apply offline, visit your nearest bank branch and apply for the loan.

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

The interest rate for Bajaj Finance Personal Loan starts at 9.99%.

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

The minimum age for getting a Personal Loan from Bajaj Finance is 23 years.

✅ 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?

The minimum loan amount for Bajaj Finance Personal Loan is Rs. 50,000.

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

The maximum loan amount for Bajaj Finance Personal Loan is Rs. 25 lakh.

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

The documents required for Bajaj Finance 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.

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

The processing fee for Bajaj Finance Personal Loan is 4.13% of the loan amount.

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

To get Bajaj Finance Personal Loan for Self Employed, you must have all the necessary documents and monthly earning of Rs. 25,000.

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

The maximum loan tenure for Bajaj Finance Personal Loan is up to 60 months.

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

The CIBIL score for Bajaj Finance Personal Loan should be 750 and above.

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

Yes, visit our bank’s website and fill the details to get offers for Bajaj Finance Personal Loan.

✅ How to calculate EMI for Bajaj Finance Personal Loan?

To calculate EMI for Bajaj Finance Personal Loan, use the EMI calculator.

✅ How to pay Bajaj Finance Personal Loan EMI?

To pay Bajaj Finance Personal Loan EMI through internet banking or you can download Bajaj Experia App.

✅ How to close Bajaj Finance Personal Loan?

To close Bajaj Finance Personal Loan, inform the bank about the type of closure.

✅ How to check Bajaj Finance Personal Loan Status?

To check Bajaj Finance Personal Loan Status, visit the bank’s website and click on ‘My Account’ and next on track application or you can download Bajaj Experia App in your mobile to check the loan status.

✅ How to close Bajaj Finance Personal Loan Online?

To close Bajaj Finance Personal Loan Online, go to the bank’s website and apply for the close.

✅ How to pay Bajaj Finance Personal Loan EMI Online?

To pay Bajaj Finance Personal Loan EMI Online through internet banking. Another way is log in Bajaj Experia App and clicks on the account information and then on Online Payment tab.

✅ How to check Personal Loan Balance in Bajaj Finance?

To check Personal Loan Balance in Bajaj Finance, call at 020 3957 5152.

✅ How to download Bajaj Finance Personal Loan Statement?

To download Bajaj Finance Personal Loan statement, open the website and go to the customer portal then provide customer ID, you will get an OTP and then you will be able to check your loan status.

✅ How to Top Up Personal Loan in Bajaj Finance?

To Top Up Personal Loan in Bajaj Finance after the complete payments of 12 EMIs without any delay.

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

If you don’t pay Bajaj Finance Personal Loan EMIs, the bank will give you a reminder at once. Then, the interest rate will increase.

✅ How to find Bajaj Finance Personal Loan account number?

To find Bajaj Finance Personal Loan account number, visit Bajaj Experia and login you and click on the view details.

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