Bajaj Finserv Interest Rates Today

The rate

Updated 15 Aug 2026 · Bajaj Finserv’s rate cards and published comparisons, across 1 product

Where it falls short

Bajaj Finserv’s personal loan starts 1.01 percentage points above HDFC Bank, the cheapest lender we track for this product at 9.99%. That places it 7th of the 8 providers we hold a personal loan rate for. The band between the advertised rate and the ceiling is very wide, so the headline 11.00% is a best case rather than a planning number — work with the top of the range until you have a sanction letter. If you want the cheaper end of the market, compare against HDFC Bank’s personal loan and the wider table of personal loan interest rates before you apply.

The fee matters as much as the rate at this ticket size. Bajaj Finserv publishes a processing fee of up to 3.93%, and fees carry 18% GST on top of the quoted percentage — the full fees and charges breakdown sets out what is deducted before the money reaches you. Once you have a rate and a fee, put both into the EMI calculator so you are comparing rupees rather than percentages.

How we rated this provider

We take no money for ratings and no lender can influence one. The score is arithmetic on a dated rate table: one product rated, scored against 8 competitor rates for the same product, ₹0 paid by the provider. Change the table and the score moves by itself. The formula is published in full in our rating methodology.