Bajaj Finserv Personal Loans Review – Personal Loans up to 25 Lakhs!

Bajaj Finserv is an online personal loan lender in India who are trying to make the online lending space a lot more accessible and easier. With their online personal loan lending tools, any credit worthy individual (or business) can get personal loans for up to Rs.25 Lakhs effortlessly and in minutes. If you’ve been considering a personal loan from Bajaj Finserv, here’s an in-depth review you’ll find helpful.

Loan approval in minutes and get cash as fast as in 72 hours!

Bajaj Finserv’s USP is fast cash delivery. They claim that they can approve loan applications in couple of minutes and once approved, give the cash in less than 72 hours! That is very fast. But, what’s the catch?

They are selective in approving whom to give out loans to. Not everybody can get a loan from Bajaj Finserv. You need to have at least a minimum monthly salary of Rs.40,000 to be approved. This is a good thing for lender. Since they are filtering down whom they are giving loans to, their risk is less. Also, they lend to credit worthy individuals. That means you need to have good CIBIL credit score to be approved.

Loans for almost all purposes up to 25 Lakh Rupees!

Another highlight of Bajaj Finserv is that they offer loans of up to Rs.25 Lakhs! Most other lenders only lend up to 20 Lakhs maximum. This is good for businesses and large expenses. For example, getting some funds for student loan or college expenses.

They also have a lot of different types of expenses covered under personal loans. For example, home loans. Bajaj Finserv covers different type of home loans such as home renovation, buying land, home constructions and join home loans (for couples for example). They have different set of eligibility and loan amount availability for each product. Compared to other lenders, they have a pretty good list of products catering to your fund requirements.

Rates and charges

Bajaj Finserv’s personal loan interest rates are competitive and pretty much stacked up against all the leading personal loan lenders in this space. They offer interest rates from a minimum of 11.99% and goes up depending on your credit worthyness. That is pretty competitive and compares with many other leading lenders in the space.

Bajaj Finserv also provides more funds than other lenders. For example, they offer up to 25 Lakhs for personal loans and up to 15 Crores for land buying/home construction. Do check the fine print to see what the actual rates are for the product you are choosing.


In summary, Bajaj Finserv is a competing personal loan lender in India with an amazing product. Their rates are competitive with other lenders, they offer more funds than others and approve loans in just a matter of minutes, for the well qualified individual. This is amazing in my opinion. If you are in need of funds for any kind of purpose like home renovation, buying land, marriage expenses, college and study expenses, look no further. Apply for their online loan application and get approved fast! All the best.

Apply Here

P.S – Please note that the interest rates and product details mentioned above are as of January, 2017 and might have changed when you are applying. Please check with them and read the fine print to get more details of the products you are signing up for. I do not have any direct partner relationship with Bajaj Finserv and this is a fully independent third party review.

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Mani Karthik

About the Author

Mani Karthik

Entrepreneur, Mentor & Blogger.
I help business grow & scale. Have helped 15+ companies scale in US, Middle East and India.
I share everything I learned on this blog, so that you benefit. Here’s more about me.

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