Bajaj Finserv advertises a personal loan from 10.00% a year and can charge up to 30.50% for the same product. The advertised figure is a starting rate, not an offer.
The rate
| Advertised rate | Maximum rate | Terms | Processing fee |
|---|---|---|---|
| 10.00% | 30.50% | Up to 9 years | Up to 4.13% (incl. taxes) |
Updated 17 Sep 2026 · Lender rate pages, checked individually.
That is a range of 20.50 percentage points. Where you land inside it is set by your credit score, your income type and the size and tenure of the loan — not by bargaining at the branch. The score is the only one of those you can change before you apply, so it is worth reading what moves a credit score first.
How it compares
Bajaj Finserv is the joint 5th cheapest of the 8 providers we track for this product, 0.01 percentage points above HDFC Bank at 9.99%. The full ranking sits on our personal loan interest rates table, and the rest of the lender’s terms — amount, tenure, fees — are on the Bajaj Finserv personal loan page.
What the range costs
Because the gap between 10.00% and 30.50% is so wide, the advertised rate is close to useless for planning. Run the amount and tenure you actually want through the EMI calculator at both ends of the published range and budget for the middle until the lender has seen your file.
Terms change without notice. Confirm the current figures with Bajaj Finserv before you act.
Related reading
Bajaj Finserv Personal Loan EMI — What It Costs a Month
What a Bajaj Finserv personal loan costs a month at both ends of the published rate range.
17 Sep 2026 · 2 min
Bajaj Finserv Personal Loan Fees and Charges
The Bajaj Finserv personal loan processing fee as published, plus the 18% GST charged on top of it.
17 Sep 2026 · 1 min