Bajaj Finserv Personal Loan EMI Calculator Online Free (<span class="dynamic-year"></span> Edition)
Personal Finance Tool

Bajaj Finserv EMI Calculator

Calculate EMIs, check salary eligibility, and download PDF reports instantly.

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Your Monthly EMI
₹ 0
approx ₹ 0 / day
Principal Amount₹ 0
Total Interest₹ 0
Total Payment₹ 0

Repayment Schedule (Yearly)

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For salaried professionals and self-employed individuals in Bharat (India), securing a personal loan often depends on city-specific income tiers. Bajaj Finserv typically requires a minimum salary of ₹35,000 for metro cities and ₹25,000 for non-metro regions. This calculator adheres to the 2026 interest rate structures, ensuring accurate EMI planning.

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How to Calculate Bajaj Finserv EMI

1
Enter Loan Amount: Use the slider or type the amount. Bajaj Finance usually lends up to 20x your monthly salary.
2
Select Tenure: Choose a repayment period between 12 months (1 year) and 96 months (8 years).
3
Check Eligibility: Enable the "Check My Eligibility" switch and enter your Net Monthly Salary to see your approval chances.

Frequently Asked Questions (2026 Updated)

What is the current Bajaj Finance interest rate?

For 2026, interest rates for salaried employees typically range between 11% to 32% p.a., depending on CIBIL score.

What is the "Flexi Personal Loan" benefit?

You get a sanctioned limit but pay interest only on the withdrawn amount, reducing EMI burden by up to 45%.

Are there foreclosure charges?

Term Loans usually charge 4% + GST. Flexi Loans often allow part-prepayment with zero charges.

What is the minimum salary required?

Metro cities (Delhi, Mumbai, etc.) require ₹35,000+. Tier-2 cities require ₹25,000+.

How much is the processing fee?

Bajaj Finserv charges a processing fee of up to 3.93% of the loan amount (inclusive of taxes).

What is the minimum CIBIL score needed?

A CIBIL score of 750 or higher is ideal for instant approval. Scores between 685-750 may see higher rates.

How fast is the loan amount credited?

"Insta Personal Loan" offers are often credited within 30 minutes to 4 hours.

What documents are required?

PAN Card & Aadhaar (KYC), Employee ID, last 3 months' Salary Slips, and Bank Statements.

Is loan insurance mandatory?

No. While recommended by agents, it is optional. You can decline it if you have your own term insurance.

What is the maximum tenure?

Salaried applicants can choose a repayment tenure of up to 96 months (8 years).

Can I transfer my existing loan?

Yes. A Balance Transfer (BT) is possible after paying at least 12 EMIs on your existing loan.

What if my application is rejected?

There is usually a 90-day cool-off period. Do not re-apply immediately to avoid damaging your CIBIL.