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

    • Bajaj Finserv Personal Loan
      "Its average"
      0.5 4.0/5 "Great!"
      Bajaj finserve is good its own way. Though not the best it is slightly above average the reason being my loan was processed on time. The turn around time taken to process the personal loan was around 7 days.
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      , chennai
      Reviewed on Aug 18, 2017
    • Bajaj Finserv Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Within 72 hours of time they have disbursed my personal loan in my account,. The Bajaj Finserv response is very good in regards to my personal loan application. The rate of interest is high when compared with others as well the processing fee is high with bajaj finserv.
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      , hyderabad
      Reviewed on Aug 17, 2017
    • Bajaj Finserv Personal Loan
      "Should be convenient"
      0.5 1.0/5 "Really Bad"
      My personal loan experience with Bajaj Finserv is not good and I do not want to go with them again. First thing, I was not addressed by their executive in a proper manner. Even online facility is not user friendly. Then, the interest rate is too high which is around 16.5%. Finally, they charged me 10000 for insurance on the loan amount of four lakhs. Hence I closed my loan.
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      , faridabad
      Reviewed on Aug 17, 2017
    • Bajaj Finserv Personal Loan
      "No additional charges"
      0.5 5.0/5 "Blown Away!"
      Processing fee for the personal loan is around 2000 from Bajaj Finserv. There was no extra charges taken from Bajaj Finserv. Interest rate is 17.5% which is bit high but then they processed the loan on time. I got good and fast service from Bajaj Finserv.
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      , hyderabad
      Reviewed on Aug 16, 2017
    • Bajaj Finserv Personal Loan
      "Add on service from bajaj"
      0.5 5.0/5 "Blown Away!"
      I got the Bajaj Finserv card with the help Bajaj finserv personal loan, I can use this card like a credit card, whenever I wanna buy any kind of Household Items I can get it without any interest rate , Bajaj has again given me very good option rather this is an add on service I would say.
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      , mumbai
      Reviewed on Aug 16, 2017
    • Bajaj Finserv Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      The process was very quick with Bajaj Finserv. They have offered me a loan with very low interest rate as well the options which is present in personal loan is really good and we cannot find them anywhere. The customer service is very good with Bajaj finserv. They have disbursed my loan within 3 days of time. I am satisfied with the loan amount. They have also offered me a Bajaj Finserv consumer durable loan card.
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      , mumbai
      Reviewed on Aug 16, 2017
    • Bajaj Finserv Personal Loan
      "Unhappy with the services"
      0.5 1.0/5 "Really Bad"
      I was calling Bajaj Finserve for the personal loan and I was not all happy with their service. The moment I approached them their executives confirmed that there is no offer for personal loan and executives did not have a courtesy to explain what needs to be done to avail that offer and he simply disconnected the call.
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      , ernakulam
      Reviewed on Aug 16, 2017
    • Bajaj Finserv Personal Loan
      "Very Good service"
      0.5 5.0/5 "Blown Away!"
      Through a channel partner I reached Bajaj finserv for my personal loan. They have disbursed my loan within a week time.The Bajaj finserv has approved me the loan for Rs.2lakhs and they are good in their response. The rate of interest is reasonable with Bajaj Finserv. They have also gave me bajaj card , with the card I have bough many household products. I am happy with the bajaj finserv service.
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      , visakhapatnam
      Reviewed on Aug 14, 2017
    • Bajaj Finserv Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My documents were collected from my door step for the personal loan. Bajaj Finserv has always been excellent and I got the loan in my account within minutes. They are the only company who provides loans for self employed which no other bank does. The interest rate and charges are normal.
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      , ghaziabad
      Reviewed on Aug 14, 2017
    • Bajaj Finserv Personal Loan
      "Customer's friendly service"
      0.5 4.0/5 "Great!"
      Basically Bajaj Finserv is a financial institute, but they are giving good service more than ICICI and AXIS Bank, totally they took only four days to disburse the amount with the interest of 15.75%, it is little bit higher, Other than that everything is good.
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      , mundra
      Reviewed on Aug 12, 2017
    • Bajaj Finserv Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Received a Bajaj Finserv personal loan around 6 months ago.The customer service and the response is good with Bajaj . The rate of interest is high when compared with others. The required loan amount was given by Bajaj finance and I am happy with their service.
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      , tirupati
      Reviewed on Aug 11, 2017
    • Bajaj Finserv Personal Loan
      "Good process followed"
      0.5 4.0/5 "Great!"
      Bajaj finserve personal loan process is really good, however the rate of interest is very high, it would be good if they bring down the rate of interest. The process was very simple as I was able to uploaded the documents and it was done and they had hardly taken 4 to 5 days of time.
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      , bangalore
      Reviewed on Aug 10, 2017
    • Bajaj Finserv Personal Loan
      "Not happy with the services"
      0.5 1.0/5 "Really Bad"
      Bajaj Finserv was not professional in their services. I applied for a personal loan and the team came over and collected my papers. During the process I was informed that if the loan does not process they would return back my papers. But I did not get the loan nor the documents and they are not answering my calls.
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      , mumbai
      Reviewed on Aug 09, 2017
    • Bajaj Finserv Personal Loan
      "Good in Urgency"
      0.5 5.0/5 "Blown Away!"
      Bajaj Finserv interest was high when compared to bank, they offered me around 25% of interest, but loan process was very fast. Documentation process was quick its highly appreciable. I took the loan of Rs. 1.5 lakhs for tenure of 36 months, still its live without any hassles.
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      , coimbatore
      Reviewed on Aug 08, 2017
    • Bajaj Finserv Personal Loan
      "Interest is high"
      0.5 4.0/5 "Great!"
      Two months ago I had taken the personal loan from Bajaj Finserv. Everything was good with bajaj expect the rate of interest. For my personal loan they quoted 30% of interest rate which is too high. But processing fee and document charges are good. Even they sanctioned the loan on time, overall they took 2 days to complete the process.
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      , mumbai
      Reviewed on Aug 08, 2017
    • Bajaj Finserv Personal Loan
      "Charges are high"
      0.5 2.0/5 "Expected more"
      I got personal loan from bajaj. The loan amount is around one lakh and twenty thousand rupees. But the interest rate is very high than capital first. They used to charge for documentation, insurance and other things. Additional charges along are 12000.
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      , coimbatore
      Reviewed on Aug 05, 2017
    • Bajaj Finserv Personal Loan
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I have received a personal loan with Bajaj Finserv in last year, They have disbursed my loan within 72 hours. Based on my eligibility I got the loan amount and I am happy about it. The customer service and the response was good with Bajaj finserv. The rate of interest is nominal with Bajaj . I got the Bajaj card based on the Bajaj Finserv personal loan.
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      , nellore
      Reviewed on Aug 03, 2017
    • Bajaj Finserv Personal Loan
      "SATISFACTORY"
      0.5 3.0/5 "Satisfactory"
      I have recently taken a personal loan from Bajaj Finserv, it was good experience with them. Less documentation and easy processing but what I did not like about them is Intially they told me that there was no processing fee charges later on after some days they said processing fee will be charged for around 2000 rupees, So I told them I am not interested please cancel the loan later after some days they called and said no processing fee would be charge you can process the loan.
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      , pune
      Reviewed on Jul 26, 2017
    • Bajaj Finserv Personal Loan
      "Very good services & offers"
      0.5 5.0/5 "Blown Away!"
      Bajaj Finserv offered me a second personal loan after three years of the first one. This experience was fine too as they offered me a reducing rate of interest of around 12% to 13%. The processing charges were very much normal too. Also they were not in need of too many documents too.
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      , indore
      Reviewed on Jul 23, 2017
    • Bajaj Finserv Personal Loan
      "Overall a good experience "
      0.5 5.0/5 "Blown Away!"
      When I first took a personal loan with Bajaj Finserv, I was offered a rate of interest of 14 to 15%. The process was convenient as I received the funds on time without any hassle. The customer services and response was overall good and I got the welcome kit on time too.
      Was this review helpful? 0
      , indore
      Reviewed on Jul 23, 2017
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    Bajaj Finance Personal Loan EMI Calculator is Rated as "Great!" by 1481 Users

    Fees & Charges

    Promised Interest Rate

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    Personal Loan BYTES FROM OUR KITCHEN

    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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