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Bajaj

Personal Loan

A Personal Loan is a great tool in managing your finances and acts as an impetus in putting your plans into actions. Here are the unique benefits of Bajaj Finserv Personal Loan:

Instant online approval

Get 100% end-to-end online Personal Loan solutions, which include information and assistance for Personal Loan eligibility criteria and documents, application to approval and disbursal. By opting for a Personal Loan from Bajaj Finserv you can get instant approval in 5 minutes and disbursal in your bank within 72 hours, through our online facility. All you need to do is fill an online form and check your Personal Loan eligibility online. Once approved, a Bajaj Finserv representative will get in touch with you and collect the documents required for Personal Loan.

Get funds in 72 hours in bank

We ensure as a standard that funds are at your disposal within 72 hours of the Personal Loan approval. This is the fastest turnaround time by any NBFC in India.

Loans up to Rs.25 lakh

You can apply for a Personal Loan online from Bajaj Finserv up to Rs.25 lakh and repay it at your ease by opting for tenures ranging from 24 months to 60 months.

Flexi Loan

Flexi loan account is an industry first facility extended by Bajaj Finserv. The advantage of the product is that you can pre-pay and drawdown money within the drop-line facility using a self-service process, which is easy and hassle-free. Once you avail the flexi facility, you stand to benefit by saving interest cost by pre-paying any additional / idle funds that you may have, without any interest being levied on the part-paid amount.

Benefits of Flexi loans

Flexi Loans offers many benefits over an existing term loan:

  • You have the flexibility to pre-pay the loan with idle funds at no extra cost
  • You can re-avail the pre-paid amount within the drop-line facility at any time within the loan tenor timeframe without any additional documentation.
  • You save on interest costs. Interest is payable only on the utilized loan amount. There is no interest levied on the pre-paid amount.
  • Seamless, easy, hassle-free online transactions on the customer portal, the self-service account access tool for drawdown and RTGS that allows you to make pre-payments to Bajaj Finserv Ltd. through net banking facility.

Home Loan

A Home Loan helps you to buy your dream home. Bajaj Finserv Home Loans are tailored for different house hunters. You can check your Home Loan eligibility online and also use the Home Loan EMI calculator to know how much EMI you will have to pay for your Home Loan. Apply for Home Loan online and get instant approval.

Home Loan

A unique offering to customers who are buying ready to occupy property. While we fund your dream home we also understand that you need to spend on the fixtures and fittings to make the place yours. As a part of the overall package, we at Bajaj Finserv offer you an additional amount for Furnishings & Fixtures (subject to eligibility) exclusively for this purpose, making this the best home loan available on the market.With the Home Loan+ Facility, you would not have to worry about applying for a separate Personal Loan or a Home Improvement Loan either. Spend the time on making your house, rather than on documents. Learn more about Home Loan eligibility and documents and Home Loan interest rates.

Home Loan Balance Transfer

If you’re unhappy with your current Home Loan plan, you can switch to Bajaj Finserv and avail of our numerous advantages like Online Application Process, Instant Online Approval, Minimum Documentation, Additional Top loan at attractive rates, No Hidden charges, Customised Insurance Schemes, and Online Account Access. We also offer facilities like NIL Part Pre-Payment charges, NIL Foreclosure charges, and 3 EMI Holiday. The online Home Loan Balance Transfer from other banks can be disbursed in less than 4 days with minimal documentation.

Top-up Loans

If you opt for a Home Loan Balance Transfer at Bajaj Finserv, you can also get a Top-up Loan at a minimal rate of interest. This loan amount can be used as per your discretion, be it for a home improvement project or for a holiday.

Refinance

If you have purchased your property within the last 12 months with your own funds, you can avail our refinance option and take a housing loan up to the registered value of your property.

Part prepayment facility

You can prepay any amount. However, the prepayment transaction should not be less than the total amount of 3 EMIs. There is no limit on the maximum amount. This is subject to you clearing your first EMI. You need not give cheques / DD / come to branch since now you can also prepay sitting at your home / office through our Online Customer Portal – Experia. You can calculate the part prepayment amount using our Home Loan part pre-payment calculator and calculate your savings instantly. The best part is that we don’t charge any Part Pre-payment penalty if you choose to avail of this facility.

Nil foreclosure charges

You get the option to foreclose your Home Loan anytime during your loan tenure. Use our Home Loan foreclosure calculator for this purpose. Bajaj Finserv will not charge any foreclosure charges.

Flexi Loan

Flexi Loan account is an Industry first facility extended by Bajaj Finserv. The advantage of the product is that you can pre-pay and drawdown money within the drop-line facility using a self-service process, which is easy and hassle-free. Once you avail the Flexi facility, you stand to benefit by saving interest cost by pre-paying any additional / idle funds that you may have, without any interest being levied on the part-paid amount. Flexi Loans offers many benefits over an existing Term Loan:

  • You have the flexibility to pre-pay the loan with idle funds.
  • You can re-avail the pre-paid amount within the drop-line facility at any time within the loan tenor timeframe without any additional documentation.
  • You save on Interest costs – Interest is payable only on the utilized loan amount. There is no interest levied on the pre-paid amount.
  • Seamless, easy, hassle-free online transactions on the Bajaj internet portal– Experia, the self-service account access tool for drawdown and RTGS that allows you to make pre-payments to BFL through Net banking facility.
3 EMI Holiday

Bajaj Finserv focuses on the ease of repayment through multiple flexible options that make it easier for the customer to repay their loans. A 3-month EMI grace period will help manage/plan monthly expenses and give a cushion to the customer to plan his finances.

Business Loan

A Business Loan is a great way to secure your financing and increase working capital. Read on to know more about the unique benefits of taking a Business Loan from Bajaj Finserv:

Loans up to Rs.30 lakh

We offer the highest unsecured loan amount by any loan provider in India in this segment. Not only do you get a credit up to Rs.30 lakh as Business Loans but you can also avail it online, at the push of a button.

No guarantors, No collateral.

You don't need to provide any guarantors or give any collateral to avail our Business Loans, even when you apply online. Our Business Loan terms and conditions are transparent, no hidden clauses.

Flexi Loan

Flexi Loan account is an industry first facility extended to you by Bajaj Finserv to add flexibility to your finances and help you save more in the long run. With a Flexi Loan Account, you get a credit limit in your name which you can use as per your need and only pay interest on the amount being used by you and not on the overall credit assigned.

Benefits of Flexi Loans

Flexi Loan offers many benefits over an existing Term Loan:

  • You have the flexibility to pre-pay the loan with idle funds.
  • You can re-avail the pre-paid amount within the drop-line facility at any time within the loan tenor timeframe without any additional documentation.
  • You save on Interest costs – Interest is payable only on the utilized loan amount. There is no interest levied on the pre-paid amount.
  • Seamless, easy, hassle-free online transactions on the Bajaj internet portal– Experia, the self-service account access tool for drawdown and RTGS that allows you to make pre-payments to BFL through Net Banking facility.
  • Nil Part payment charges for FLEXI loans
Preapproved offers

As an existing customer of Bajaj Finserv, you will be eligible to get exclusive pre-approved offers from us. These offers may include a top-up loan or even reduction of rates from time to time.

Online account access

Once you’ve availed a Business Loan from Bajaj Finserv, you can get all information about your loan like payment schedule, interest certificate, repayment track and key information related to your loans through our digital customer portal.

Mortgage Loan

Mortgaging existing property is a great way to get a loan at low interest rates to meet your current financial needs without actually selling off the same.

Some other features and benefits attached with Loan against Property are:

As an existing LAP customer, you can avail of the unique Flexi saver facility. Bajaj Finserv is the first non-bank in the country to offer a unique and innovative capability, offering you a combination of Term Loan and Credit Line facility with unique feature to save interest and manage cash flow efficiently.Use our flexi dropline principle calculator today!