Bajaj Finance Personal Loan , How to Apply Easy Steps in 2025

Introduction

What is the right way to apply for a personal loan from Bajaj Finserv, you will get to see in this Article because when we had made and uploaded the previous Article, some people commented that brother, we are not getting the eligibility option here, we are not able to become eligible, some people said that we submitted the application here, brother, we did not get any call, some people said that brother,

it was showing approval of ₹ 5 lakh, now we are getting ₹ 3 lakh here, some people said that brother, it was showing 22 % there, now we are being charged 25 % interest here, so whatever questions are going to come to your mind, I am going to answer all these questions in this blogpost, but it is important to understand that if you are going to take a loan, then where is the right thing, what things need to be filled up so that in the end your loan does not get rejected.

Why Eligibility Matters First

If you are going to take a loan, I will definitely tell you the eligibility first so that you can decide whether you are eligible or not, many people will see the blogpost and go and apply for the loan immediately, but in the end they find out that they were not eligible for it, so they applied for the loan, the loan was rejected, a civil inquiry was also started.

Basic Facts About Bajaj Finserv Loans

And after coming here, see, Bajaj Finserv has been made very clear. You can take a loan of ₹ 40,000 to ₹ 50 lakh from here. But the reality is that you cannot get a loan of ₹ 20 lakh here. It is very difficult. But we have applied and taken loans of ₹ 50 lakh, ₹ 1 lakh, ₹ 8 lakh and up to ₹ 17 lakh from here. If we have applied for a loan to ten people, then five to seven people get the loan, two to three people also get rejected.

Start With a Smaller Amount

If you are going to apply for a loan for the first time, then do not put a large amount here. In the beginning, put the loan limit as much as we need here, like I just put ₹ 5 lakh here.

Three Loan Variants Explained

Variant Name	Original Explanation
Flexi Hybrid Loan	“For example, you took a loan of ₹ 8 lakh and for the next 1 year, you will have to pay only ₹ 12,000 as EMI every month.”
Flexi Term Loan	“If you think No, I can pay the regular EMI every month … you can pay your EMI of ₹ 20,315 every month.”
Term Loan	“You will get the same interest in all three.”

According to me, the best thing would be that you select the flexi term loan here or if you want, you can select the term loan.

Eligibility for applying loan

Condition	Exact Original Text
Age	“Between 21 to 80 years of age”
Credit Score	“Your civil score should be 685 … if up to 720 or 750”
Minimum Salary	“Your monthly salary should be at least ₹ 25,000”

Quick Loan Apply Steps

🔹 What to Do	🔸 How to Do It
Open the Link	Click and you’ll land on the main page.
Enter Mobile	Choose “Individual”, enter your number, then type the OTP.
Add Birth Date	Use your PAN card DOB and press Proceed.
Loan Option	Tap on Personal Loan, see offers up to ₹50 lakhs.
Fill Details	Type full name, pick gender, and enter PAN number.
Job Type	Choose Salaried or Self-Employed, as per your work.
Location Info	Put your PIN code, city name, tick the terms box, and continue.
Work Info	Share your company name, job title, and (optional) work email.
EMI Detail	Enter current EMI. If none, just put 0.
Income Check	Pick your bank, get OTP, approve to fetch bank info.
Final Step	Add office address and press Continue to view loan offer.

Sample Offer & Charges

Currently, the loan of ₹ 8 lakh is given in which we are given a time of up to 60 months. The processing fee that will be levied on ₹ 8 lakh will be ₹ 16,327. If we apply for a loan of ₹ 8 lakh, then ₹ 7,96,379 will come to our bank account.

Completing KYC and Bank Verification

“Here you have to enter your Aadhaar card number … an OTP will come … just after this you will see your PAN card ticked on your Aadhaar card. … If your Aadhaar card address and your current address are the same, then click on Yes.”

“The bank account should be in the name of the person in whose name you are applying … that account is also verified … ₹1 is credited by Bajaj Finserv.”

After Submission: What to Expect

“Application submitted successfully … your representative … this representative will call you and connect.” If your profile is fine, they will call four times; if not, the loan may be rejected. If no call in 24–48 hours, you can call the number provided.

Your application is sent to Bajaj Finserv; the documents are verified, eligibility checked, e‑mandate completed, then the loan is disbursed.

“You can also reduce your rate of interest by talking to them … the loan amount can be increased or decreased a bit.”

Final Advice

Whoever presents Bajaj Finserv, it is their 100 % effort to give you a loan so that they can also make a good commission in it … so you should act wisely. If you see that you are eligible, have all the documents, and your age matches, then apply. The link to apply is in the description. See you in the next blogpost, Jai Hind, Jai Bharat.

Bajaj Loan Link