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ValueHigh
VerdictTop Tier
VerifiedYes
Rating4.8/5
124 verified reviews
Executive Summary: The Bajaj Finserv Personal Loan by Bajaj Finance is a premium offering featuring 11% interest rates. Key benefits include Flexi Loan Facility, Interest-only EMIs. Most suitable for users seeking Best for people who need...
Bajaj Finance
Bajaj Finserv Personal Loan
Data Verified
Last checked: 25 Feb 2026Best for people who need a credit line (Flexi) rather than a lump sum, and those needing a longer repayment tenure.
A unique "Flexi" personal loan that allows you to withdraw funds as needed and pay interest only on the used amount, ideal for managing fluctuating expenses.
Flexi Loan FacilityInterest-only EMIs8-Year Tenure24-Hour DisbursalNo-collateral
Interest Rate
11%
Starts From p.a.
Max Tenure
8 Yrs
96 Months
Loan Amount
to
Up to ₹40 lakh
Value Calculator
AI Powered
₹25,000
MinMax
12
Calculations are indicative based on the product's headline rates. Actual benefits may vary based on spend categories and credit profile.
Monthly EMI
₹2,210
Total interest: ₹1,514
Expert Verdict
"Bajaj Finance offers a unique "Flexi" model where you get a limit and pay interest only on what you use — essentially a personal loan overdraft. This is highly effective for medical emergencies or home renos where costs are uncertain. The 8-year tenure is the longest in the industry. Verdict: Best for flexibility and credit-line needs."
Key Privileges
EligibilityAge 21-80, Salaried, CIBIL 685+
Processing FeeUp to 3.93% of loan amount
PrepaymentUp to 4% + GST
Lock-inNone
DocumentationKYC, Employee ID card, Salary slips, Bank statements
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. CreditBro may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score700+
- Min. Income₹25,000 per month
- EmploymentSalaried/Self