NBFCLongest Tenure
Bajaj Finserv Personal Loan 2026
Interest rate, eligibility, documents & fees
- Interest Rate
- 11%–35%
- Loan Amount
- Up to ₹40 lakh
- Tenure
- 12–96 mo
Bajaj Finserv Personal Loan — Key Details
Last reviewed August 2026
- Interest rate
- 11% – 35% p.a.
- Loan amount
- ₹1 lakh – ₹40 lakh
- Tenure
- 12 – 96 months
- Processing fee
- Up to 3.93%
- Minimum CIBIL score
- 685+
- Minimum monthly income
- ₹25,000
- Age
- 21 – 67 years
- Employment type
- Salaried, Self-Employed
Bajaj Finserv Personal Loan EMI
Monthly EMI at the starting rate of 11% p.a. Your rate may be higher.
| Loan amount | 12 months | 24 months | 36 months | 60 months |
|---|---|---|---|---|
| ₹1,00,000 | ₹8,838 | ₹4,661 | ₹3,274 | ₹2,174 |
| ₹3,00,000 | ₹26,514 | ₹13,982 | ₹9,822 | ₹6,523 |
| ₹5,00,000 | ₹44,191 | ₹23,304 | ₹16,369 | ₹10,871 |
| ₹10,00,000 | ₹88,382 | ₹46,608 | ₹32,739 | ₹21,742 |
Bajaj Finserv Personal Loan Eligibility
- Age 21–67 years
- Salaried income ≥ ₹25,000/month
- CIBIL ≥ 685
- Indian resident
Documents Required for Bajaj Finserv Personal Loan
Salaried
- PAN Card
- Aadhaar Card
- Salary slips (2 months)
- Bank statements (3 months)
Self-Employed
- PAN Card
- Aadhaar Card
- ITR (2 years)
- Bank statements (6 months)
- Business proof
Pros & Cons
Advantages
- Long tenure — up to 96 months
- Flexi loan option for revolving credit
- High loan up to ₹40L
Watch out for
- Highest processing fee at up to 3.93%
- Rate ceiling hits 35% for weak profiles
- Flexi loan interest confusing
How to Apply for a Bajaj Finserv Personal Loan
Bajaj Finserv's own application process
- 1Visit Bajaj Finserv website or app
- 2Enter name, mobile number, city
- 3Check pre-approved offer (5 minutes)
- 4Upload KYC documents
- 5Final approval in 5 minutes
- 6Funds in account within 24 hours
Not sure Bajaj Finserv is right for you? Compare offers from RateCut's lending partners first.
Compare OffersBajaj Finserv Personal Loan — FAQs
What is the Bajaj Finserv personal loan interest rate?
Bajaj Finserv personal loan interest rates range from 11% to 35% p.a. (last reviewed August 2026). The rate you get depends on your credit score, income, employer and loan amount.
What is the minimum salary for a Bajaj Finserv personal loan?
Bajaj Finserv requires a minimum monthly income of about ₹25,000. It lends to: Salaried, Self-Employed.
What is the processing fee for a Bajaj Finserv personal loan?
Bajaj Finserv charges a processing fee of Up to 3.93%, plus 18% GST. It is usually deducted from the loan amount at disbursal.
What CIBIL score is needed for a Bajaj Finserv personal loan?
Bajaj Finserv generally looks for a CIBIL score of 685 or more. A score of 750+ improves your chances of getting a lower rate.
How long does Bajaj Finserv take to disburse a personal loan?
As per Bajaj Finserv's stated process: Funds in account within 24 hours. Existing customers with pre-approved offers are usually faster.
Is Bajaj Finserv regulated by the RBI?
Bajaj Finserv is a Non-Banking Financial Company (NBFC) that lends through RBI-regulated entities and must follow RBI's fair practices and digital lending guidelines.
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Figures last reviewed August 2026 and shown for information only. Interest rates, fees and eligibility are set by each lender and depend on your credit profile — confirm the final terms in the lender's Key Fact Statement before you sign. RateCut is a loan marketplace, not a lender.