{"id":14704,"date":"2024-08-22T12:45:31","date_gmt":"2024-08-22T07:15:31","guid":{"rendered":"https:\/\/fly.finance\/blog\/?p=14704"},"modified":"2024-08-22T12:45:33","modified_gmt":"2024-08-22T07:15:33","slug":"bajaj-personal-loan","status":"publish","type":"post","link":"https:\/\/fly.finance\/blog\/personal-loan\/bajaj-personal-loan\/","title":{"rendered":"Bajaj Personal Loan: Check Major Features and Apply Online"},"content":{"rendered":"\n<p>Bajaj Finserv is one of the renowned and reliable NBFCs in India offering personal loans. It provides personal loans under multiple schemes as per the requirements of the applicant. The loan is provided to students, salaried individuals and self-employed individuals. You can also get <a href=\"https:\/\/fly.finance\/blog\/education-loan\/bajaj-finserv-personal-loan-for-education\/\"><strong>Bajaj Finserv personal loan for education<\/strong><\/a> and use the loan amount to pay tuition fees, accommodation costs etc. Let\u2019s check and understand all the major features, eligibility and application processes of Bajaj Finserv Personal Loan in this blog.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2 id=\"table-of-contents\">Table of contents<\/h2><ul><li><a href=\"#h-bajaj-finserv-personal-loan-major-highlights\" data-level=\"2\">Bajaj Finserv Personal Loan: Major Highlights<\/a><\/li><li><a href=\"#h-bajaj-finserv-personal-loan-eligibility-criteria\" data-level=\"2\">Bajaj Finserv Personal Loan Eligibility Criteria<\/a><\/li><li><a href=\"#h-bajaj-finserv-personal-loan-application-process\" data-level=\"2\">Bajaj Finserv Personal Loan Application Process<\/a><\/li><li><a href=\"#h-documents-required\" data-level=\"2\">Documents Required<\/a><\/li><li><a href=\"#h-faqs\" data-level=\"2\">FAQs<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bajaj-finserv-personal-loan-major-highlights\"><span id=\"bajaj-finserv-personal-loan-major-highlights\">Bajaj Finserv Personal Loan: Major Highlights<\/span><\/h2>\n\n\n\n<p>Bajaj Finserv offers majorly 3 types of personal loans. The type of loan is determined by the requirement, eligibility, income etc of the applicant. You can also avail a <a href=\"https:\/\/fly.finance\/blog\/education-loan\/bajaj-finserv-balance-transfer\/\"><strong>Bajaj Finserv balance transfer<\/strong><\/a> on personal loans i.e. you can transfer any ongoing personal loan to Bajaj Finserv. Check some of the major features of this personal loan in the table below:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Bajaj Finserv Personal Loan<\/strong><\/td><td><strong>Major Features<\/strong><\/td><\/tr><tr><td>Type of Loans<\/td><td>&#8211; Term Loan<br>&#8211; Flexi Term Loan<br>&#8211; Flexi Hybrid Loan<\/td><\/tr><tr><td>Maximum Loan Amount<\/td><td>Up to INR 40 lakh<\/td><\/tr><tr><td>Approval Time<\/td><td>Within 5 minutes<\/td><\/tr><tr><td>Collateral Requirement<\/td><td>No collateral required<\/td><\/tr><tr><td>Interest Rate<\/td><td>11% to 32%<\/td><\/tr><tr><td>Processing Fee<\/td><td>3.93% of the loan amount (tax included)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bajaj-finserv-personal-loan-eligibility-criteria\"><span id=\"bajaj-finserv-personal-loan-eligibility-criteria\">Bajaj Finserv Personal Loan Eligibility Criteria<\/span><\/h2>\n\n\n\n<p>The eligibility criteria for Bajaj Finserv personal loans must be checked before applying for the loan. As soon as you apply for the loan the bank will start the verification process and if eligibility criteria are not fulfilled your loan will be rejected. This can also impact negatively on your credit score. Check the major eligibility criteria below:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The applicant must be an Indian citizen<\/li>\n\n\n\n<li>The minimum and maximum age should be 21 to 80 years respectively<\/li>\n\n\n\n<li>The applicant should be employed with the public sector, private sector or NBFCs<\/li>\n\n\n\n<li>The minimum salary must be INR 25001 (may vary depending on the city)<\/li>\n\n\n\n<li>The credit score of the applicant must be at least 685<\/li>\n<\/ul>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: Check here all the major details about the <\/strong><a href=\"https:\/\/fly.finance\/blog\/personal-loan\/union-bank-personal-loan-application\/\"><strong>Union Bank Personal Loan Application process<\/strong><\/a><strong>.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bajaj-finserv-personal-loan-application-process\"><span id=\"bajaj-finserv-personal-loan-application-process\">Bajaj Finserv Personal Loan Application Process<\/span><\/h2>\n\n\n\n<p>You can apply for Bajaj Finserv personal loan online through the official website. All you need to do is fill up the online loan application form and upload the required documents. Check the steps to apply for this personal loan below:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Visit the <a href=\"https:\/\/www.bajajfinserv.in\/\" rel=\"nofollow\"><strong>official website of Bajaj Finserv<\/strong><\/a><\/li>\n\n\n\n<li>Go to the \u2018Loans\u2019 section and select the personal loan option<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter is-resized\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXe8zNFkbP0Q_nioSSlRuZwNnjtzbsoBbErvkSQrn3EKB2Qzj6s6mRTylc7IaLWGhuxBljjq49Yxb61YvSYEtZj8OZF2u_pyMUvy9aK5qoEtZk96nBL10T6yxKBV6BoBFSOTVuPYzeAHhFFDtgoNtMBDF3Oq?key=2rw9Hrtv6OgJ1yBWprooZg\" alt=\"Bajaj Finserv Personal Loan Application Process\" style=\"object-fit:cover;width:500px;height:350px\"\/><\/figure>\n<\/div>\n\n\n<ul class=\"wp-block-list\">\n<li>Click on personal loan and click on \u2018Apply\u2019<\/li>\n\n\n\n<li>Enter your phone number and mention the OTP<\/li>\n\n\n\n<li>Fill out the loan application form and upload the required documents<\/li>\n\n\n\n<li>Submit the form and wait for approval<\/li>\n<\/ul>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: Unable to get a personal loan due to bad credit report? Check here all about <\/strong><a href=\"https:\/\/fly.finance\/blog\/personal-loan\/personal-loan-with-low-cibil-score\/\"><strong>Personal Loan with Low CIBIL Score<\/strong><\/a><strong> and know how to get it<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-documents-required\"><span id=\"documents-required\">Documents Required<\/span><\/h2>\n\n\n\n<p>To apply for a Bajaj Finserv personal loan, you need to submit a few essential documents. These include government-issued identity proof like a PAN card or Aadhaar card, address proof etc. The lender will verify the documents and then approve the loan. Check the essential documents listed below:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>KYC Documents like Aadhaar Card, NREGA job card, Passport etc<\/li>\n\n\n\n<li>PAN Card<\/li>\n\n\n\n<li>Employee ID Card<\/li>\n\n\n\n<li>Last 3 months\u2019 salary slips and bank statements<\/li>\n\n\n\n<li>Electricity bills<\/li>\n<\/ul>\n\n\n\n<p>Bajaj Finserv is a renowned and one of the oldest NBFCs in India offering personal loans at affordable rates of interest. You can get the loan within 24 hours of the application. Check some common FAQs based on the same below:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><span id=\"faqs\">FAQs<\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1724310542048\"><strong class=\"schema-faq-question\">What is the maximum loan amount I can avail through Bajaj Finserv Personal Loan?<\/strong> <p class=\"schema-faq-answer\">Bajaj Finserv offers personal loans of up to INR 40 lakh, depending on the applicant&#8217;s eligibility criteria like income, credit score, and repayment capacity.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1724310550384\"><strong class=\"schema-faq-question\">How quickly can I get the loan amount disbursed?<\/strong> <p class=\"schema-faq-answer\">Bajaj Finserv provides quick disbursal of personal loans, often within 24 hours of approval. In some cases, the loan is disbursed on the same day of application.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1724310560345\"><strong class=\"schema-faq-question\">What are the eligibility criteria for Bajaj Finserv Personal Loan?\u00a0<\/strong> <p class=\"schema-faq-answer\">To be eligible for a Bajaj Finserv Personal Loan, applicants must be Indian residents aged between 21 and 80 years. They should have a stable income source, whether salaried or self-employed and a good credit score.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1724310568172\"><strong class=\"schema-faq-question\">Are there any prepayment or foreclosure charges on Bajaj Finserv Personal Loan?<\/strong> <p class=\"schema-faq-answer\">Bajaj Finserv allows borrowers to prepay or foreclose their loan after a certain period, usually 12 months. You will have to pay around 2-4% of the loan amount as foreclosure charges.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1724310576617\"><strong class=\"schema-faq-question\">What is the tenure range for Bajaj Finserv Personal Loan?<\/strong> <p class=\"schema-faq-answer\">Bajaj Finserv Personal Loans come with a flexible repayment tenure ranging from 12 to 60 months. This allows borrowers to choose a repayment period that best suits their financial situation.<\/p> <\/div> <\/div>\n\n\n\n<p>To know more about <a href=\"https:\/\/fly.finance\/loans\"><strong>education loans<\/strong><\/a>, the best <a href=\"https:\/\/fly.finance\/international-bank-account\"><strong>bank accounts for students<\/strong><\/a>, <a href=\"https:\/\/fly.finance\/forex\"><strong>forex<\/strong><\/a> and banking experience for global students or international money transfers, reach out to our experts at 1800572126 to help ease your study abroad experience.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-pale-ocean-gradient-background has-background has-fixed-layout\"><tbody><tr><td colspan=\"2\"><strong>Related Blogs<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/scholarships\/phd-funding-in-france\/\"><strong>PhD Funding in France for International Students<\/strong><\/a><\/td><td><a 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12c0 5 3.7 9.1 8.4 9.9v-7H7.9V12h2.5V9.8c0-2.5 1.5-3.9 3.8-3.9 1.1 0 2.2.2 2.2.2v2.5h-1.3c-1.2 0-1.6.8-1.6 1.6V12h2.8l-.4 2.9h-2.3v7C18.3 21.1 22 17 22 12c0-5.5-4.5-10-10-10z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Facebook<\/span><\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Bajaj Finserv is one of the renowned and reliable NBFCs in India offering personal loans. It provides personal loans under multiple schemes as per the requirements of the applicant. The loan is provided to students, salaried individuals and self-employed individuals. You can also get Bajaj Finserv personal loan for education and use the loan amount &#8230; <a title=\"Bajaj Personal Loan: Check Major Features and Apply Online\" class=\"read-more\" href=\"https:\/\/fly.finance\/blog\/personal-loan\/bajaj-personal-loan\/\" aria-label=\"Read more about Bajaj Personal Loan: Check Major Features and Apply Online\">Read more<\/a><\/p>\n","protected":false},"author":24,"featured_media":14706,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[410],"tags":[],"class_list":["post-14704","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Bajaj Personal Loan: Check Major Features and Apply Online<\/title>\n<meta name=\"description\" content=\"Check here all about Bajaj Finserv personal loan. 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With expertise in crafting informative blogs on study abroad and finance, Shekhar helps readers navigate the complexities of education and financial planning. Most of his writings blend the practicality of finance and the beauty of language, making a meaningful impact in both spheres. Beyond his professional pursuits, he finds solace in the writing Shayari.","sameAs":["https:\/\/in.linkedin.com\/in\/thahankmoody","https:\/\/www.tumblr.com\/blog\/dhanlabh"],"url":"https:\/\/fly.finance\/blog\/author\/shekhar\/"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/personal-loan\/bajaj-personal-loan\/#faq-question-1724310542048","position":1,"url":"https:\/\/fly.finance\/blog\/personal-loan\/bajaj-personal-loan\/#faq-question-1724310542048","name":"What is the maximum loan amount I can avail through Bajaj Finserv Personal Loan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Bajaj Finserv offers personal loans of up to INR 40 lakh, depending on the applicant's eligibility criteria like income, credit score, and repayment capacity.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/personal-loan\/bajaj-personal-loan\/#faq-question-1724310550384","position":2,"url":"https:\/\/fly.finance\/blog\/personal-loan\/bajaj-personal-loan\/#faq-question-1724310550384","name":"How quickly can I get the loan amount disbursed?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Bajaj Finserv provides quick disbursal of personal loans, often within 24 hours of approval. In some cases, the loan is disbursed on the same day of application.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/personal-loan\/bajaj-personal-loan\/#faq-question-1724310560345","position":3,"url":"https:\/\/fly.finance\/blog\/personal-loan\/bajaj-personal-loan\/#faq-question-1724310560345","name":"What are the eligibility criteria for Bajaj Finserv Personal Loan?\u00a0","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"To be eligible for a Bajaj Finserv Personal Loan, applicants must be Indian residents aged between 21 and 80 years. They should have a stable income source, whether salaried or self-employed and a good credit score.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/personal-loan\/bajaj-personal-loan\/#faq-question-1724310568172","position":4,"url":"https:\/\/fly.finance\/blog\/personal-loan\/bajaj-personal-loan\/#faq-question-1724310568172","name":"Are there any prepayment or foreclosure charges on Bajaj Finserv Personal Loan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Bajaj Finserv allows borrowers to prepay or foreclose their loan after a certain period, usually 12 months. 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