Bajaj Finserv Personal Loan - Interest Rates, Fees & Apply Online

Key Features & Value Benefits

Flexi Personal Loan Facility

Avail an overdraft facility to withdraw funds from a pre-approved limit as needed. Pay interest only on the utilized amount.

Insta Personal Loans

Select existing customers can get pre-approved loan offers disbursed in 30 minutes to 4 hours with zero documentation.

Specialized Professional Loans

Tailored high-ticket loans up to Rs 75 Lakh for Chartered Accountants and up to Rs 80 Lakh for registered Doctors.

100% Digital Process

Complete your application entirely online without needing to visit a physical branch.

Added Privileges

High Loan Amount

Value: Up to Rs 75 Lakhs

Get access to exceptionally high loan amounts depending on your profile and profession.

Extended Tenure

Value: Up to 96 Months

Enjoy highly flexible repayment schedules with loan tenures stretching up to 8 years.

Lightning Fast Speed

Value: 24-Hour Disbursal

Get loan approval in just 5 minutes and have funds credited to your bank account within 24 hours.

Eligibility Criteria

Age Bracket 21 to 80 Years

Min. Monthly Income ₹15,000 / mo

Employment Type Salaried and Self-Employed Professionals (Doctors/CAs)

Credit Score Needed 685

685+ CIBIL Score

Collateral / Security No

Guarantor Required No

General Terms: Available for Salaried professionals, Doctors, and Chartered Accountants.

Detailed Eligibility Matrix

Age Limit 21 - 80 Years

Monthly Income Rs 15,000+

Credit Score 685+ CIBIL

Professional Criteria Experience Required

Fees & Other Charges

Charge Name	Standard Terms
Processing Fee	Standard — Up to 3.93% of the loan amount (Up to 2.95% for CAs & Doctors)
Prepayment / Part-Payment	Up to 4.72% of the principal amount prepaid
Foreclosure Charges	Up to 4.72% on the outstanding loan balance
Late Payment Penalty	Up to 36% p.a. per instalment from the due date
EMI Bounce Charges	Up to Rs. 1,200 per bounce

Additional Fee Schedules

Processing Fee: Up to 3.93%

Up to 3.93% of the loan amount. Reduced to 2.95% for specialized Doctor/CA loans.

Foreclosure Charges: Up to 4.72%

Up to 4.72% on the outstanding principal at the time of full pre-payment.

Part-Payment Charges: Up to 4.72%

Up to 4.72% of the principal amount prepaid (Not applicable for Flexi Term Loans).

Late Payment / Penal Charge: Up to 36% p.a.

Up to 36% p.a. per instalment from the due date until the payment is cleared.

Bounce Charges: Rs 700 - Rs 1,200

Up to Rs 1,200 per bounce. Rs 700 for Insta Loans, and Rs 1,500 for CAs/Doctors.

Flexi AMC Fee: Up to 0.295%

Annual maintenance charge of up to 0.295% of the dropline limit applies only for Flexi Term/Hybrid Loans.

Required Documents

Identity Proof

PAN Card is strictly required for financial checking.

Mandatory

Address Proof

Aadhaar Card, Passport, Driving License, or Voter ID.

Mandatory

Income Proof

Salary slips for the last 3 months and Bank Statements for the last 3 months.

Mandatory

Employee ID

Valid Employee ID card from a recognized MNC, Public, or Private company.

Mandatory

Professional Proof

Certificate of Practice (for CAs) or Medical Registration Certificate (for Doctors).

Optional

PAN Card, Aadhaar/Passport, Last 3 months Pay Slips & Bank Statements, Employee ID

Official Partner Offer

Ready to Apply?

Get fast digital in-principle sanction directly with Bajaj Finserv.

Proceed to Application

Direct SSL Encrypted Application

Paperless & Instant Verification

Quick EMI Calculator

Loan Amount ₹5,00,000

Interest Rate (% p.a.) 10%

Tenure (Years) 3 Years

Estimated Monthly EMI

₹16,253

Total Payable: ₹5,85,108

Data Transparency Verified

Last checked on: 2026-10-13

Primary Sources:

Official Lender Website: www.bajajfinserv.in
Aggregator Source (Paisabazaar): www.paisabazaar.com