Bajaj Finserv Personal Loan Interest Rates Sep 2020, EMI Eligibility Calculator

Check lowest personal loan interest rates from Bajaj Finserv, Calculate EMI, Eligibility, Loan Amount, processing charges, Documentation, Income Required, Customer Care Number, Application Status at emicalculator-india.com.

Avail Bajaj Personal Loan up to Rs.25 Lakh is designed to meet your diverse needs, whenever you need it. Be it a vacation, a marriage, medical emergency, debt consolidation, higher education or even further education. now your plans need not wait, with our 5-minute online Personal Loan approval and cash-in-bank in 48 hours.

Bajaj Personal Loan Quick Apply

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Disclaimer: We do not provide Personal Loans but help you to connect with banks to get best deals.
All loans are on sole discretion on the respective banks

Bajaj Finance Personal Loan Interest Rates

For instant loan approvals online of up to Rs. 25 lacs

Interest Rate 10.99% – 16.00%
Foreclosure charges* Applicable on the current principal outstanding
EMI bounce charges Rs 1,000 for every bounce
Penal interest 2.00% p.m
Processing fees 2% – 3% of the loan amount
Secure Fee only for Online Rs. 999/-

Types of Bajaj Finserv Personal Loan

Personal Loan for Wedding – Features and Benefits

  1. Marriage Loan of up to Rs. 25 lakh.
  2. Tenors between 24 months up to 60 months
  3. Get loan approval in 5 minutes
  4. After completing documentation and verification, money disbursed in 24 hours.
  5. Flexibility – Borrow money and prepay it when you have money.
  6. Get customised pre-approved offers when you apply for a loan from Bajaj Finserv.

Personal Loan for Travel – Features and Benefits

Plan an vacation accross the world. Avail loan up to Rs.25 lakh and manage your ticket bookings, hotel accommodation and more. The can be easily availed by salaried professionals. Vacation loan comes with low fees and nominal charges.

  1. Travel Loan of up to Rs. 25 lakh.
  2. Get loan approval in 5 minutes
  3. After completing documentation and verification, money disbursed in 24 hours.
  4. Flexibility – Borrow money and prepay it when you have money.
  5. Track your repayment schedule and other loan details with your online account

Personal Loan for Medical Emergency – Features & Benefits

Bajaj Finserv medical emergencies loan can be availed by salaried professionals.

  1. Medical Loan of up to Rs. 25 lakh.
  2. Repayment period 24 months up to 60 months
  3. Get loan approval in 5 minutes
  4. After completing documentation and verification, money disbursed in 24 hours.
  5. Flexibility – Borrow money and prepay it when you have money.
  6. Get customised pre-approved offers when you apply for a loan from Bajaj Finserv.

Bajaj Flexi Loans – Features and Benefits

Flexi Loan has a special type of facility where borrow can get access to a pre-approved loan limit based on your credit rating. Special Feature – Pay interest only on loan amount you utilize, and get the option to pay only interest amount as your EMI for 1st year.

  1. Simply withdraw money from your loan limit and transfer it directly to your account
  2. Part-prepay your loan whenever you have surplus funds, without any extra charge.
  3. Reduce EMI amount up to 50 % by paying only interest as your EMI and principal amount at the end of your tenor.
  4. No additional documentation or extra charges required to withdraw funds multiple times.
  5. Withdraw and part-prepay funds through the online customer portal, Experia, for hassle-free and smooth processing.
  6. ou are charged interest on a daily basis, as per the amount utilized at the end of the day.

Eligibility Criteria

For Salaried Individuals For Self-Employed Individuals, Businessmen, and SMEs/MSMs
Age criteria 25 to 55 years old Age criteria 25-55 years old
Borrower should be a salaried employee of either an MNC, public, or private company. Borrower’s business should have a vintage of minimum 3 years
Borrower should be an Indian citizen. Borrower’s business should have its ITR filed for at least the previuos 1 year

Personal Loan For Doctors Features & Benefits

Bajaj Personal Loan for Doctors, can be used for various expenses like wedding, further education and for more purposes. Below is the list mentioned.

  1. Loan up to Rs. 37 lakh.
  2. Quick Processing online application facility.
  3. Flexi Loan Facility, with a fixed loan limit given to borrower for a pre-decided repayment period.
  4. Repayment from 12 months to 96 months.
  5. Minimal documentation required.
  6. No need for guarantors .
  7. Part-prepayment cahrges NIL. The prepaid amount must be eqaul or more than the value of 3 EMIs.
  8. Exclusive pre-approved offers, so you get more value for your money.

Eligibility Criteria

  1. Super-specialist doctors (MS/MD/DM) – No minimum post-qualification experience required.
  2. Graduate Doctors (MBBS) – Minimum 2 years of post-qualification experience required.
  3. Dentists. (BDS/MDS) – Minimum 5 years of post-qualification experience required.
  4. Ayurvedic and Homeopathic Doctors: BHMS/BAMSM – inimum 6 years of post-qualification experience required, and must own a house or clinic.
  5. Homeopathic Doctors: DHMS – Minimum 15 years of post-qualification experience required, and must own a house or clinic.

Loans for Chartered Accountants Features & Benefits

Bajaj Finserv Chartered Accountants Loan is a tailor-made suite for a practicing chartered accountant’s unique personal and professional needs.

  1. Loan up to Rs.35 lakh
  2. Withdraw funds as per your needs and repay the loan as you have extra funds.
  3. Guarantor or collateral are not required
  4. Tenor from 12 months up to 60 months
  5. With personalised offers that are pre-approved, you can get the most out of your loan
  6. Online loan account accessible

Chartered Accountants Loan Eligibility Criteria
Below is the Bajaj Finserv Personal Loan for Chartered Accountants eligibility required.

  1. Have a COP that is active for a minimum of 4 years.
  2. Borrower should have a house/ office (At Bajaj Finance serviceable area)

Why you have to apply Personal loan with Bajaj Finserv?
* Approval in 5 Minutes, Cash in Bank Account within 72 Hours.

* Loans up to Rs.25 Lakhs

* First End to End Online Approval Personal Loan In India.

* Nil Pre payment and Foreclosure charges

* Pre Approved offers

Bajaj Finance Personal Loan Eligibility

You are a salaried professional.

1. In the following cities, you are drawing a monthly net salary of
Rs. 40,000 or more – Delhi/NCR, Mumbai, Hyderabad, Bangalore and Chennai, Thane.

2. In the following cities, you are drawing a monthly net salary of Rs. 35,000 or more – Ahmedabad, Pune, Kolkata, Aurangabad, Baroda, Chandigarh, Cochin, Coimbatore, Gandhinagar, Ludhiana, Madurai, Mandi Gobindgarh, Indore, Jaipur, Jalandhar, Jamshedpur, Jodhpur, Karnal, Khanna, Kolhapur, Ludhiana, Madurai, Mohali, Mysore, Nagpur, Nasik, Panchkula, Panipat, Rajkot, Vijayawada, Yamunanagar.

Bajaj Finance Personal Loan Document

Financials Salary slips of last 3 months Latest 2 months salary slip
Bank Statements Latest 3 months salary account bank statement
Employment Proof Employee ID card and visiting card
Work experience documents Current employment Appointment letter / Form 16 / 1 year old salary slip
Previous employment Appointment letter / Form 16 / Promotion letters/ transfer / confirmation letters / previous salary slip
KYC Identity proof Passport / Voters ID card / Driving license / PAN card
Address proof Passport / Driving license / Ration card / Latest mobile bill / Letter from employer (with HR /Admin sign)
Signature proof Passport / PAN Card / Driving license / Photo credit card (front only) / Banker verification letter ( Only online)
Age proof Passport/ PAN Card / Driving license / Birth certificate

Bajaj Personal Loan EMI calculator is easy to use because of graphical presentation, easy to understand and is amazingly fast to perform. You can calculate EMI for personal loan by using this calculator.

Enter the following information in the Personal Loan EMI calculator.

✓ Principal loan amount you wish to avail (rupees)
✓ Loan term (months or years)
✓ Rate of interest (percentage)
✓ EMI in advance OR EMI in arrears (for car loan only)

EMI calculation for personal loan based on loan amount, interest rates and repayment period.

Loan Amount Tenure In Yrs Rate of Interest Monthly EMI Total Amount Total Interest
1 lakh 5 12.00% ₹2,224.44 ₹1,33,466.69 ₹33,466.69
2 lakh 5 12.00% ₹4,448.89 ₹2,66,933.37 ₹66,933.37
3 lakh 5 12.00% ₹6,673.33 ₹4,00,400.06 ₹1,00,400.06
4 lakh 5 12.00% ₹8,897.78 ₹5,33,866.74 ₹1,33,866.74
5 lakh 5 12.00% ₹11,122.22 ₹6,67,333.43 ₹1,67,333.43

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List of Bajaj Finance Personal Loan Branches

New Delhi
✓ 3rd Floor, C – 111, Lagpat Nagar – I, Opp. Defence Colony Market, – 110024,New Delhi.
✓ 11 & 13 Floor, Aggarwal Metro Heights, Netaji Subhash Place, Pitampura, – 110034,New Delhi.
✓ Entire First Floor & Part Of Second Floor, (Unit Number 204, 205, 206 & 207), V-4 Plaza, Kp Block, Plot Number 16, Pitampura, – 110034,New Delhi.
✓ 2nd Floor, SCO 57, Sector -031, Pristine Mall, – 121001,New Delhi.

Bangalore
✓ 2nd Floor, Hosur Main Road Next To Wipro Building, Madivala – 560058,Karnataka.
✓ “301 to 306, 3rd Floor, ” “Prestige Towers,Residency Road,” – 560025,Karnataka.
✓ 3rd Floor, Office No. 303, Gold Tower Sr.No. – 50, Residency Road, – 560025,Karnataka.
✓ 8th Floor, Prestige Towers, Residency Road, – 560025,Karnataka.
✓ 2nd Floor, Shiva Complex, #1017 Dr. Rajakumar Road, 4th Block, Rajaji Nagar – 560010,Karnataka.
✓ 1st Floor, No. 2707/2, E Block, Ward No. 7, “Behind Swathi Garden Restaurant, Sahakar Nagar, ” – 560092,Karnataka.

Mangalore
✓ Door Number 23-1-98, “Sherton Square”, Opposite Casia Church, Morgans Gate, Jeppu, – 575001,Karnataka.

Chennai
✓ Old No – 102, New No – 256, Mudichur Road, Tambaram West, – 600045,Tamil Nadu.
✓ 3rd Floor, Kaba Plaza, No. 27, L B road, Indra Nagar, Opp. Adyar bus depot, Adyar, – 600020,Tamil Nadu.
✓ Unit No – 209, 210, 2nd Floor, Delta Wing, Raheja Towers, 177, Anna Salai, – 600002,Tamil Nadu.
✓ Unit Number 804, 805, 806, 8th Floor, Delta Wing, Raheja Towers, 177, Anna Salai, – 600002,Tamil Nadu.
✓ “1st Floor, SB Complex,W115, 3rd Avanue, ” Opp. Kandhaswamy Collage, – 600040,Tamil Nadu.

Mumbai
✓ 2nd Floor, South Wing, Nalanda, Plot No. 2/B, Samant Estate, Goregaon (East) – 400063,Maharashtra.
✓ 1st Floor, B-10, Shree Ram industrial Estate, Katrak Road, – 400031,Maharashtra.
✓ The Affairs, 7th Floor, Sector 17 Palm Beach Road, Vashi – 400705,Maharashtra.
✓ 5th Floor, A/501, Sagartech Plaza, Sakinaka Junction, Andhari Kurla Road, Andhari East, – -,Maharashtra.
✓ 4th Floor, 403, Accord Comm. Complex, Near Railway Station, Goregaon – East, – 400063,Maharashtra.
✓ 4th Floor, 271 Business Park, Industrial Estate, Off Western Express Highway, – 400063,Maharashtra.
✓ 3rd Floor, 271 Business Park, Model Industrial Estate, Near Virwani Industrial Estate, Off. Western Eststate Exp. Highway, Goregaon – 400063,Maharashtra.
✓ 6th Floor 603, Ishan Arcade, Building Number 2, Bhave Compound Opp. Gaondevi Temple, Gokhale Road, Naupada, Next To Mc Donald, Thane West – 400602,Maharashtra.
Pune
✓ 6th Floor, Bajaj Brand View, Cts 12b+31, Pune Mumbai Road, Wakdewadi, Pune, Maharashtra 411003
✓ 3rd Floor, Office No. – 301,C Wing, Kpct Mall, Sr. No. – 16, Hissa No. 1/1, Fatimanagar, Pune, Maharashtra 411040
Ahmedabad
✓ 3rd Floor,Unit No.302 To 306, Torquoise Building, Opp. Centre Point, Panchvati Rasta, Off C.G Road, Ahmedabad, Gujarat 380006
✓ 2, Aishwarya Complex, Jawahar Complex, Maninagar, Ahmedabad, Gujarat 380008
Surat
✓ 404 to 406, 4th Floor, Trinity Business Park, L. P. Savani Road, Surat, Gujarat 395004
Surat
✓ Office No. 501 To 508, 5th Floor, Tower B, Imperial Heights, Ring Road, Rajkot, Gujarat 360005.

Bajaj Finance Personal Loan FAQs – Frequently Asked Questions

Personal loan from Bajaj finserv is an unsecured (do not put any type of security) loan provided by a bank and non-banking financial company (NBFC) based on – income, previous credit record, repayment capacity, employment type and more. Personal loan is available for salaried and self-employed.

What is Bajaj personal loan?

This is a unsecured loan and helps you to meet your financial requirements. You don’t usually need to pledge any asset as collateral or security for availing personal loan. It is totally based on your credit record and CIBIL Score.

How to apply for personal loan from Bajaj?

You can apply easily online for personal loan at emicalculator-india.

What are the Interest Rates from Bajaj Finserv?

Interest rate is the value that borrower have to pay on the principal loan amount.

What is Personal Loan EMI Calculator?

It is online tool that help to calculate personal loan emi, give you an idea about interest to be paid.

What are eligibility criteria for Personal Loan in Bajaj?

  • One must have a regular source of income.
  • Salaried individual, self-employed business person or a professional both are eligible.
  • One must have proper credit record and good CIBIL.
  • Final amount sanctioned will depend on your income and eligibility and some other factors as per the lender’s criteria.

What are the tenor options available?

You can choose a repayment period ranging from minimum 12 to maximum 60 months.

Can I foreclose or prepay my Personal Loan?

Yes, you can foreclose or prepay your personal loan, most of lender allow foreclosure after 12 EMI, it depend on lender to lender. And also you have to pay pre-closure charges of 2% -5% of principle loan amount. For prepay, payment can be made through cash, cheque or demand draft.

Processing fee in Bajaj Finserv for personal loan?

Processing fee is depend on bank to bank and lender to lender basically it is 2-4% of sanction loan amount.

Top-up facility for existing customer?

Top Up facility is available for those who have paid 12 EMI on the existing Personal Loan. You can Place the request for Top up on existing Personal. The facility is based on your existing personal loan record.

How do I repay the Personal loan?

You can repay the loan in Equated Monthly Instalments (EMIs). You can pay your EMI through auto debit, ECS, PDC.

Who can become a co-applicant?

For self-employed: Son, Daughter, partners with at least 51% Stake to be taken co-applicant, one director to be taken co-applicant.

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