Bajaj Finserv personal loan review
Bajaj Finserv's personal loan rates, fees, eligibility and foreclosure terms — verified as of June 2026. Rates are indicative and profile-dependent.
By NexMaxo Editorial Team · Rates verified June 2026· indicative & profile-dependent
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Bajaj Finserv personal loan at a glance
From ~10% p.a. (up to ~31%, indicative)
- Processing fee
- Up to ~3.93% + GST
- Max amount
- Up to ₹55 lakh
- Max tenure
- Up to 7 years
- Eligibility
- Salaried & self-employed, ~21–80 yrs; net income ≈₹25,000+/mo
- Foreclosure / prepayment
- Up to ~4.72% (incl. taxes) on outstanding principal
Good to know
- The starting rate is the best case — it goes to high-credit-score, stable-income borrowers. Most applicants are offered a higher rate within the range.
- The processing fee (Up to ~3.93% + GST) is deducted up front, so you receive less than the sanctioned amount.
- Check the foreclosure terms (Up to ~4.72% (incl. taxes) on outstanding principal) if you might repay early.
- Rates and fees change often — confirm the current terms on Bajaj Finserv's official page before applying.
Compare Bajaj Finserv
See all 8 lenders comparedBajaj Finserv personal loan — FAQs
Bajaj Finserv's personal loan rate is From ~10% p.a. (up to ~31%, indicative). The lowest end of that range goes to borrowers with a strong credit profile — most applicants are offered a higher rate. Your actual rate depends on your credit score, income and relationship with the lender, so treat this as indicative and confirm your offer before borrowing.
Up to ~3.93% + GST. The processing fee is a one-time charge deducted at disbursal, so you receive slightly less than the sanctioned amount — factor it into the real cost of the loan.
Up to ~4.72% (incl. taxes) on outstanding principal. If you might repay early, check the lock-in period and the foreclosure charge before you borrow — it can add a meaningful cost.
Salaried & self-employed, ~21–80 yrs; net income ≈₹25,000+/mo. These are indicative minimums — approval and the rate you're offered depend on the lender's own assessment of your credit profile and income.
This is an informational review, not financial advice or a loan offer. Personal-loan rates, fees and limits are indicative and profile-dependent — your actual offer depends on the lender's assessment. Confirm current terms on Bajaj Finserv's official page, and borrow only what you can comfortably repay.