Bajaj Finserv Personal Loan 2025: Interest Rates & Eligibility Guide

Introduction

Need quick funds for your dreams, emergencies, or big purchases? In 2025, Bajaj Finserv Personal Loan stands out as a flexible, fast, and affordable financing option. With loan amounts up to ₹55 lakh and interest rates starting at just 10% per annum, Bajaj Finserv is empowering thousands of Indians to fulfill their financial goals with ease.

This blog covers everything about Bajaj Finserv personal loans—interest rates, eligibility requirements, documentation, application process, and real customer insights to help you take informed borrowing decisions.

Bajaj Finserv Personal Loan Interest Rates & Charges

Personal Loan Type	Interest Rate (p.a.)	Loan Tenure	Processing Fee
Salaried Individuals	10% to 31%	Up to 8 years	Up to 3.93% of loan amount + GST
Chartered Accountants	11% to 19%	Up to 6 years	As applicable
Doctors	11% to 19%	Up to 6 years	As applicable
Insta Personal Loans	16% to 31%	Up to 5 years	As applicable

• Interest rates are personalized based on credit score, income, employment stability, and repayment capacity.

• Lower rates are usually offered to existing customers with strong credit history.

Bajaj Finserv Personal Loan Eligibility Criteria

• Age: Between 21 and 80 years (at loan tenure end).

• Employment: Salaried or self-employed professionals with stable income.

• Minimum Income: City-based thresholds, minimum around ₹25,000 per month.

• Credit Score: A minimum CIBIL score of 685 for faster approval.

• Nationality: Indian resident.

How to Apply for a Bajaj Finserv Personal Loan

1. Check Eligibility: Use Bajaj Finserv’s online eligibility calculator by entering your income, age, and location.

2. Prepare Documents: Identity proof, address proof, income proof (salary slips, bank statements), and employment details.

3. Apply Online: Use Bajaj Finserv’s website or app for a paperless application with instant pre-approval decisions.

4. Loan Disbursal: Get funds within 24-48 hours after verification.

5. Manage EMIs: Flexible repayment tenure from 12 to 96 months to suit your budget.

Existing Bajaj Finserv customers can often avail of pre-approved loans with just a few clicks and limited paperwork.

Benefits of Bajaj Finserv Personal Loan

• No Collateral Needed: Unsecured loans with no property or asset required.

• Flexible Use: Use for wedding expenses, education, medical emergencies, travel, or home renovations.

• Speedy Processing: Minimal documentation and quick approval.

• Attractive Interest Rates: Starting as low as 10% p.a. based on profile.

• Custom Tenure: Pick a repayment schedule tailored to your cash flow.

Real-Life Customer Experience

Customers appreciate the hassle-free end-to-end digital application and quick fund disbursal. As one user shared, “Bajaj Finserv helped me cover my medical bills instantly with minimal paperwork and a fair interest rate.”

Conclusion

For Indians seeking fast, affordable, and reliable personal loans in 2025, Bajaj Finserv continues to shine through its competitive interest rates, wide eligibility, and fast approvals. Secure your financial goals confidently with Bajaj Finserv’s personal loan either through online or app-based application processes.

Start your personal loan journey now: https://bitli.in/Jjjdfkn

FAQs

What is the starting interest rate for Bajaj Finserv personal loans?

The interest rates start at 10% per annum for eligible customers.

Who is eligible for a Bajaj Finserv personal loan?

Salaried or self-employed individuals aged 21-80 with a minimum income of ₹25,000 and a credit score above 685 are eligible.

How long does it take to get loan approval and disbursal?

Loan approval can be instant online, with funds disbursed typically within 24-48 hours after verification.

Are Bajaj personal loans secured or unsecured?

They are unsecured loans, requiring no collateral or security.