Bajaj Finance Personal Loan Interest rates
Bajaj Finance Personal Loan interest rates would depend on various personal loan eligibility criteria such as credit score, age, employment, monthly income and debt-to-income ratio. The existing customers may be offered personal loans at more favourable interest rates.
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| Loan Type | Interest Rate (p.a.) |
| Personal Loan for Salaried | 11% onwards |
| Personal Loan for Self-employed | 15%-25% |
| Personal Loan for Doctors | 9%-12.50% |
| Personal Loan for Chartered Accountants | 14%-17% |
| Flexi Personal Loan | 14%-17% |
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Bajaj Finance Personal Loan Fees and Charges
For Salaried Applicants
| Processing Fee | Up to 3.93% of loan amount |
| Document/Statement Charges/Account Statement/Repayment Schedule/Foreclosure Letter/Interest Certificate/No dues certificate/Documents list | Rs 50 |
| Penal Interest | 2%-4% p.m. |
| Part pre-payment Charges | 2% + taxes |
| Bounce Charges | Rs 600-Rs 1,200 |
| Stamp Duty | As per actuals |
| Mandate Rejection Service Charge | Rs 450 |
Annual Maintenance Charges
| Flexi Term Loan | 0.25% + taxes |
| Flexi Hybrid Loan | 0.25% + taxes |
Foreclosure Charges
| Term Loan | 4% + taxes |
| Flexi Term Loan | 4% + taxes |
| Flexi Hybrid Loan | 4% + taxes |
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For Self-Employed Applicants
| Fee Type | Charges |
| Processing Fee | Up to 2.95% of loan amount |
| Bounce Charges | Up to Rs 3,000 |
| Penal Interest | 2% p.m. |
| Document Processing Charges | Rs 2,000 + taxes |
| Outstation Collection Charges | NA |
| Document/Statement Charges | Rs 50 |
Documents Required for Bajaj Finance Personal Loan
Key documents that are required while applying for a personal loan with Bajaj Finance are as follows:
For Salaried Applicants
- KYC Documents
- Salary slips for last 2 months
- Employee ID card
- Bank account statement for last 3 months
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For Self-Employed Applicants
- KYC Documents (PAN Card, Aadhaar Card, Passport, Voter ID, Driving License)
- Proof of business ownership
- Other Financial Documents
For Doctors
- KYC of authorized signatories
- Certificate of medical registration
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For Chartered Accountants
- KYC documents such as Aadhar card, voter ID, driving license, PAN card or any other government approved KYC document
- Address Proof documents including electricity bill, passport, rent agreement, etc.
- Practice certificate
- Bank account statement
- Ownership proof for at least one property
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Bajaj Finance Customer Care
Helpline number: +91-8698010101