✅ Overview: Bajaj Finserv Personal Loan Features 2025
| Feature | Details |
| Loan Amount | Up to ₹55 lakh |
| Documents Required | Aadhaar card, PAN card, bank account |
| Disbursal Time | 2–3 hours (max 24 hours) |
| Approval Time | Instant – within 5 minutes |
| Interest Rate | Starting at 15% |
| Age Limit | 21 to 80 years |
| Processing Fee | No hidden fees |
| Credit Score Required | Minimal – flexible eligibility |
📲 Step-by-Step: How to Apply for Bajaj Personal Loan Online
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Visit the Official Bajaj Loan Portal
- Use the official link provided by Bajaj Finserv or via trusted financial websites.
- Direct links may be found in YouTube video descriptions or comment boxes.
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Click on “Apply”
- Enter your mobile number and click “Get OTP”
- Enter OTP to verify your mobile
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Fill Personal Details
- Full Name
- Gender
- Date of Birth
- PAN Number
- Employment Type: Salaried or Self-Employed
- Monthly Salary and PIN code
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Provide Employment Details
- Type of Company
- Job Role
- Work Experience
- Email ID
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Income Verification
- Select your bank
- Link bank account using net banking or OTP
- Verify income details and give consent
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Address and Loan Summary
- Provide your residential address
- Based on eligibility, a custom loan offer is shown (e.g., ₹8 lakh for 60 months)
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KYC Verification via DigiLocker
- Enter Aadhaar number
- Authenticate with OTP
- Auto-fetch Aadhaar details
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Bank Account Linking
- Enter account number, IFSC code, account type
- Complete verification
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Final Submission
- Submit loan application
- Receive Loan Summary + EMI details
- Take a selfie for identity check
- Upload PAN card (optional)
✅ Loan gets disbursed within 2–3 hours, maximum by 24 hours.
📊 Example Loan Breakdown: ₹1 Lakh Loan
| Type | EMI / Month |
| Flexi Hybrid (2 yrs) | ₹1250 |
| Flexi Hybrid (5 yrs) | ₹2379 |
| Term Loan (Fixed EMI) | ₹1712 (approx.) |
Note: EMI values depend on tenure and loan type
📌 Important Points to Remember
- No guarantor required
- Aadhaar and PAN are enough for KYC
- Minimal CIBIL score dependency
- Choose between Flexi or Fixed EMI options
- Apply entirely online – no branch visits needed
💬 Final Words
Whether you’re salaried or self-employed, Bajaj Finserv’s personal loan offers a quick and paperless process, ideal for emergencies or major expenses. With no hidden charges, fast disbursal, and easy KYC, this could be one of the easiest ways to access personal funding in 2025.
Also Read :How to Apply for Ayushman Card Online in 2025 Using Mobile | Step-by-Step Guide