Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • Personal Loan Reviews

    • Bajaj Finserv Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      I am havign the personal loan with the Bajaj Finserv and their interest rate is a bit higher than others, which I have experienced. Response is fine one with the Bajaj Finserv adn the loan amount got disbursed less than a week of time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 23, 2017
    • Bajaj Finserv Personal Loan
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from Bajaj Finserv and the experience is good. It is excellent services from them and they are the best in the response to the customer. The process is on time and the disbursement as well. I am also comfortable with the interest rate and charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 23, 2017
    • Bajaj Finserv Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      The rate of interest and the charges were high with bajaj . The processing fee and the insurance fee is very high with bajaj when compared with others. They took around 2 weeks to disburse my loan amount. The bajaj finserv customer support need to improve . They need to give proper response to the customer.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 23, 2017
    • Bajaj Finserv Personal Loan
      "Personal loan process"
      0.5 4.0/5 "Great!"
      My personal loan was taken from Bajaj Finserve. Interest rate offered by them is way too high however EMI is very much affordable. Bajaj Finserve is charging lot of miscelleneous charges like cheque bounces and other charges which is very high. Ofcourse I had got the NOC from them on time.
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      , bangalore
      Reviewed on Sep 22, 2017
    • Bajaj Finserv Personal Loan
      "Average service"
      0.5 4.0/5 "Great!"
      I received a personal loan from Bajaj finserv around 3 years ago. This loan had the tenure of 3 years. The customer service is good with Bajaj finserv, but at present there customer service is not up to the mark. The rate of interest is average with Bajaj finserv . The processing fee and the charges are high with Bajaj when compared with others.
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      , guntur
      Reviewed on Sep 21, 2017
    • Bajaj Finserv Personal Loan
      "Average"
      0.5 4.5/5 "Excellent!"
      I am having the personal loan with the Bajaj Finserv and the interest rate is around 12%,. Further more, the loan amount got disbursed within a span of four days of time. Processing charges were really huge one when it comes to bajaj finserve .
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      , kochi
      Reviewed on Sep 21, 2017
    • Bajaj Finserv Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      Its been a great experience i having with the BAJAJ FINSERV as i took a personal loan from them . the BAJAJ FINSERV approved the amount and i got a higher rate of interest . when i applied the no charges of doing part payment option but after my loan got approved these people were charging 2% for the part payment option . they have to reduce the rate of interest like other banks .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 21, 2017
    • Bajaj Finserv Personal Loan
      "VERY GOOD LOAN"
      0.5 5.0/5 "Blown Away!"
      Bajaj finserve personal loan process is very smooth, the rate of interest charged by Bajaj Finserve is very high some of the executives called me and they had taken some documents otherwise the bank was very good it was providing me very good service. Interest rate and processing fee charged was okay. Its an ongoing loan. Bajaj Finserve was not in need of any additional documents though its an unsecured loan.
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      , hyderabad
      Reviewed on Sep 20, 2017
    • Bajaj Finserv Personal Loan
      "Good to go with Bajaj"
      0.5 4.0/5 "Great!"
      The Online website of Bajaj Finserv is not up to the mark, they need to update a lot with their website . The user interface need to be customer friendly with Bajaj. They have taken 15days to disburse my loan amount. The rate of interest is high with bajaj when compared with others. The processing fee and the charges are nominal with bajaj Finserv personal loan,
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 20, 2017
    • Bajaj Finserv Personal Loan
      "Flexible option regards personal loans"
      0.5 4.0/5 "Great!"
      I took personal loan twice from Bajaj Finserv based on my credit card it was a speedy process. Compared to banks they are giving many options like part payment, preclosure but interest rate was high at the time, I hope now the interest rate became same as bank.
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      , bangalore
      Reviewed on Sep 20, 2017
    • Bajaj Finserv Personal Loan
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have taken my personal loan from Bajaj Finserv. The services are very customer friendly. Most of all the executive was very professional. And the document process was not much. I only had to submit the kyc documents and another benefit was the processing charges was and roi was not there.
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      , ranchi
      Reviewed on Sep 20, 2017
    • Bajaj Finserv Personal Loan
      "Customer's friendly"
      0.5 5.0/5 "Blown Away!"
      I found Bajaj finserv is really good, I got better offer from them. Interm of service Bajaj Finserv is prompt, they are giving good follow up to the customer. I took personal loan of Rs. 5 lakhs with five years of tenure, interest rate is really attractive they offered around 12.99% with some nominal charges.
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      , bangalore
      Reviewed on Sep 19, 2017
    • Bajaj Finserv Personal Loan
      "Very good personal loan"
      0.5 5.0/5 "Blown Away!"
      The most promising feature of BAJAJ is it has offered me a Flexi loan, If the customer is in a need of a loan they will provide the complete loan amount. However it is not necessary for the customer to use the complete amount. What ever he utilizes he has to pay interest in other words interest would not be calculated on the complete amount. Just in case if the customer utilizes the complete amount the entire amount would be converted in to EMI and he has to repay that in the form of EMI.
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      , hyderabad
      Reviewed on Sep 19, 2017
    • Bajaj Finserv Personal Loan
      "Excellent service"
      0.5 4.0/5 "Great!"
      The service was prompt from Bajaj Finserv . They have Disbursed my loan amount within a week time. The rate of interest is high when compared with other banks. The required loan amount was been disbursed and I am satisfied with it. I would say it was an excellent service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 16, 2017
    • Bajaj Finserv Personal Loan
      "Not satisfied"
      0.5 3.0/5 "Satisfactory"
      I have approached BAJAJA FINSERV for my personal loan. They have processed my application very fast and the representative collected my documents immediately, I thought that they would sanction my loan amount soon but they have rejected my application because the personal loan option with BAJAJ FINSERV is not for bachelors which was disappointing . However their rate of interest was bit lower comparing to TATA CAPITAL .
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      , bangalore
      Reviewed on Sep 16, 2017
    • Bajaj Finserv Personal Loan
      "Should be transparent in their process"
      0.5 1.0/5 "Really Bad"
      I never ever recommend Bajaj Finserv to others, they charged me around 18% interest for the personal loan and their executive who helped to processed my loan, he said it was a zero processing for foreclosure, when I went to foreclosure my loan, they asked me to pay 5% of interest, then I raised complain and rectified the issue.
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      , hyderabad
      Reviewed on Sep 15, 2017
    • Bajaj Finserv Personal Loan
      "Not bad"
      0.5 3.5/5 "Pretty good"
      Applying personal loan through Bajaj finances is good they have served well overall the repayment tenure time is between 6 months to one year which is good, it is comfortable and hassle free. Also they don't charge any processing fee and absolutely no hidden charges.
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      , varanasi
      Reviewed on Sep 14, 2017
    • Bajaj Finserv Personal Loan
      "User friendly"
      0.5 4.0/5 "Great!"
      Its okay to bank with Bajaj finserve bacause their response and services are good and useful .Their customer service is okay not bad but the rate of interest is very high should be according to market and affordable when compared to others in the market.
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      , salem
      Reviewed on Sep 14, 2017
    • Bajaj Finserv Personal Loan
      "Better service"
      0.5 4.5/5 "Excellent!"
      Actually the interest rate is very low with Bjaja finserv personal loans. They have given me a call and informed me that they can disburse the loan amount within in a week time. The required loan amount was Rs,4lakhs and they told they can approve the full loan amount, The customer service is good with Bajaj finserv .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 13, 2017
    • Bajaj Finserv Personal Loan
      "Interest rate and service should be improved"
      0.5 3.0/5 "Satisfactory"
      Earlier I had personal loan with Bajaj Finserv then I transfered to SBI because of the rate of interest. They offered me 11.99% but SBI gave me 8.7%. I paid 4% of interest to the Bajaj Finserv for preclose my loan. Their customer service is also not upto the mark, its really bad, they should work on it.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 13, 2017
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    Bajaj Finance Personal Loan EMI Calculator is Rated as "Great!" by 1518 Users

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    Personal Loan BYTES FROM OUR KITCHEN

    Bajaj Finance Personal Loan EMI Calculator

    Overview about Bajaj Finance Personal Loan

    Bajaj Finance Limited is one of India’s most diversified non-banking financial company (NBFC) investing heavily in technology, people, and processes. Bajaj Finserv believes in focussing on both existing as well as new customers. A personal loan serves as a huge financial support in times of need and helps us achieve many goals in life. The personal loan offered by Bajaj Finserv can be availed online with approval in five minutes and disbursal within 72 hours. Bajaj Finance Limited grants personal loans of up to Rs.25 lakh which you can repay within 24 to 60 months.

    Perfect Personal Loan Deals for you

    How To Use BankBazaar Bajaj Finance Personal Loan Calculator to understand your Personal Loan Repayment

    The Bajaj Finance Personal Loan can be repaid in EMIs (Equated Monthly Installments). EMIs consists of the principal amount along with the applicable interest charges. Before applying for a loan, it is important to understand the breakup as well as the EMI amount. Knowing the exact amount helps you in financial planning as you would be paying this amount as repayment towards the loan over a fixed period of time.

    The Personal Loan EMI Calculator of BankBazaar is a comprehensive tool that helps in determining the instalment amount of the loan. It also gives a detailed breakup of various charges. The online tool uses an amortisation table to give instant output. To use the BankBazaar loan EMI Calculator, all you have to do is visit the homepage and click on the drop down menu on the extreme right. From the list, select finance tools and then ‘EMI Calculator’. The page prompts you to enter loan details such as loan amount, tenure, and rate of interest, processing fee and whether or not you would like to make pre-payments. Click on calculate to generate the monthly EMI that you will incur towards the loan and other details.

    How does the Bajaj Finance Personal Loan EMI Calculator Work?

    You must enter the loan amount you want to borrow and other details in the online EMI calculator. The formula that the calculator uses is:

    E = P x R x (1+R) ^n/ [(1+R) ^n-1]

    Where, E is the EMI that is required to be paid monthly

    P is the amount to be borrowed

    R is the interest rate on a monthly basis

    n is the loan tenure in months

    Apart from these basic components, the calculator also uses processing fee sometimes to calculate the EMI. It is different at different NBFC as it is typically a certain percentage of the loan amount borrowed from the lender. The processing fees can be anywhere between 1% and 3%.

    Features and Benefits of Bajaj Finance Personal Loan EMI Calculator

    Determination of EMI:

    The online EMI calculator accurately calculates the exact EMI to be paid towards the Bajaj Finance Personal Loan. This enables advance planning of our monthly budget and expenses. Also, the figures from this tool can be used to negotiate with the lender to provide better rates.

    Use of Amortisation Table:

    The amortisation table in the calculator enables generation of a detailed breakup of the principal amount and interest charges required to be paid monthly until the end of tenure. This can also provide assistance for considering and calculating loan repayment terms like pre-closure.

    Finance Charges Details:

    The online tool also displays a pie-chart presenting a breakup of the financial charges towards the loan. Being aware of information such as processing fee and interest charges may help you in attaining a better deal with the NBFC.

    Bajaj Finance Limited Personal Loan Calculator FAQs

    1. Does the Bajaj Finance Personal Loan Calculator give an accurate calculation of the EMI amount?

      Usually, the calculations are done on a reducing balance principal and are almost accurate. However, it may vary from each lender based on the method of calculation.

    2. If I want to pre-close my loan with Bajaj Finserv, can the online calculator be of any use?

      Yes, the calculator allows you a clearer idea of the EMI as it gives a detailed breakup of the same. By using this tool, you can compare the change in interest charges applied on the outstanding loan balance.

    3. Can the same EMI calculator be used to calculate the EMI for loans from other NBFCs as well? Yes, this is a tool that can be used universally by changing the loan details offered by various financial institutions.
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