NBFC
Bajaj Finance
India's largest consumer finance NBFC, with a wide range of unsecured and secured lending products.
Best for: Professionals and businesses seeking quick unsecured loans.
Apply with pre-screening
We check your profile against Bajaj Finance's policy and others on the panel before any application.
Typical strengths
- Fast digital personal and business loans
- Professional loan programmes for doctors and CAs
- Flexi loan variants
Interest rates, fees and eligibility shown on this site are indicative, vary by lender and borrower profile, and are subject to change without notice. Always read the lender's Key Fact Statement (KFS) before signing. Loan approval and terms are decided solely by Bajaj Finance under its credit policy.
Products
What we arrange with Bajaj Finance
- Personal Loan
- Business Loan
- Loan Against Property
- Professional Loan
- Gold Loan
- Used Car Loan
- Machinery and Equipment Loan
Personal Loan
Collateral-free personal loans from ₹50,000 to ₹50 lakh at rates starting around 10.25% p.a., with disbursal typically within 48 hours of approval.
- Rate from
- 10.25% p.a.
- Up to
- ₹50 L
Business Loan
Unsecured business loans from ₹2 lakh to ₹1 crore for proprietors, partnerships and companies, at rates from about 14% p.a., with tenures up to 5 years and minimal collateral requirements.
- Rate from
- 14.00% p.a.
- Up to
- ₹1 Cr
Loan Against Property
Loans against residential, commercial or industrial property from ₹10 lakh to ₹15 crore at rates from about 8.75% p.a., with tenures up to 15 to 20 years and funding up to 70% of market value.
- Rate from
- 8.75% p.a.
- Up to
- ₹15 Cr
Professional Loan
Collateral-free loans up to ₹1 crore for doctors, chartered accountants, company secretaries, architects and other professionals, at rates from about 10.5% p.a., with tenures up to 7 years.
- Rate from
- 10.50% p.a.
- Up to
- ₹1 Cr
Our read
Where Bajaj Finance fits
Bajaj Finance is the fastest route on the panel for an unsecured personal or business loan, and speed is genuinely the product. For a salaried or self-employed borrower who needs funds quickly and has a clean bureau record, a decision can arrive in a fraction of the time a bank takes.
Its professional loan programmes for doctors and chartered accountants are worth knowing about, because they assess a qualified practice differently from a generic self-employed file. Flexi variants, where you draw and repay within a limit, suit lumpy business cash flow better than a fixed instalment does.
Worth knowing
- NBFC pricing on unsecured loans is generally above bank pricing; you are paying for speed and for flexible assessment.
- A flexi facility is easy to keep drawing on, which quietly extends how long you stay in debt if you are not disciplined.
Our assessment, not a statement of Bajaj Finance’s policy. Terms are set by the lender and can change.
Questions
Bajaj Finance: common questions
Why choose an NBFC over a bank?
Speed and a more accommodating view of income. If your profile fits a bank comfortably and you are not in a hurry, a bank is usually cheaper and we will say so.
What is a flexi loan and should I take one?
It lets you draw and repay within a sanctioned limit rather than paying a fixed instalment. It suits genuinely lumpy cash flow. It works against you if you treat the limit as income.
Are professional loans different from business loans?
Yes. A qualified practice is assessed on the qualification and the practice, not purely on filed accounts, which usually produces a better outcome for a doctor or chartered accountant.
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