What Bajaj Finserv (Bajaj Finance) asks for on personal, business, vehicle loans - age, income, credit score, amounts, rates and documents - read from its own pages and labelled by how sure we are. Last verified 2 November 2026.
One free check compares your profile with Bajaj Finserv (Bajaj Finance) and the other 39 lenders we track. It does not touch your credit score.
How Bajaj Finserv (Bajaj Finance) tends to lend (our read): The market's score-flexibility valve. Publishes the lowest credit score bar of any major lender and the widest age window, and prices for it. Lends in: Metro, Tier 2, Tier 3 / other locations.
Bajaj Finserv (Bajaj Finance) Personal Loan Eligibility
Official
According to Bajaj Finserv (Bajaj Finance)'s own website. See the source card.
Age
21 to 80 years (age when the loan ends)
Minimum income
₹25,001 net per month; ₹35,000 in metro cities
Minimum credit score
650 (CIBIL or equivalent)
Employment
Salaried or self-employed
Work experience (salaried)
1 year total, 6 months with the current employer
Loan amount
₹40,000 to ₹55,00,000
Tenure
1 year to 9 years
Interest rate
10% to 30.5% p.a.
EMI-to-income limit (FOIR)
About 60% of incomeOur working estimate - lenders rarely publish this
Fees and charges
Processing up to 4.13% incl. taxes; Flexi facility charge Rs 1,999 to Rs 18,999; foreclosure up to 4.72% of the outstanding; part-prepayment up to 4.72% on term loans, nil on Flexi variants; bounce Rs 700 to Rs 1,200; penal up to 36% p.a. on the instalment.
Documents Bajaj Finserv (Bajaj Finance) lists
KYC: Aadhaar, passport, voter ID, driving licence, NPR letter or NREGA job card
PAN card
Address support such as a utility, piped gas or phone bill, or a property tax receipt
Employee ID card
Salary slips for the last 3 months
Bank statements for the previous 3 months
Research notes
Bajaj Finance publishes Indian nationals aged 21 to 80 at maturity, salaried or self-employed, CIBIL 650 or higher, Rs 40,000 to Rs 55 lakh over 12 to 108 months and 10% to 30.5%; its salaried page puts the salary floor at Rs 25,001 'based on city'. The 685 paperless-approval score used earlier is not on the current pages, so the floor is now the published 650. The Rs 35,000 metro floor and 12 / 6 months' experience come from the Bajaj Finserv Markets eligibility page (not repeated on bajajfinserv.in), and the 60% FOIR, 24x income cap and 750 preferred score are our estimates (the FAQ lists high FOIR and probation as rejection reasons).
Bajaj Finserv (Bajaj Finance) Business Loan Eligibility
Inferred
By ClearToLend's estimate (not a rule Bajaj Finserv (Bajaj Finance) publishes). See the source card.
Age
21 to 80 years (age when the loan ends)
Minimum credit score
650 (CIBIL or equivalent)
Business vintage
3 years or more
Annual turnover
₹12,00,000 or more
Filed ITR
1 year
Loan amount
₹1,00,000 to ₹80,00,000
Tenure
1 year to 8 years
Interest rate
14% to 23.5% p.a.
Fees and charges
Processing up to 4.72% incl. taxes; Flexi facility charge Rs 999 to Rs 16,999; foreclosure up to 4.72% on term loans; part-prepayment nil on Flexi variants; bounce Rs 1,500; penal 36% p.a. on the instalment; CGTMSE / CGFMU guarantee fees where the scheme applies.
Documents Bajaj Finserv (Bajaj Finance) lists
KYC: Aadhaar, passport, voter ID, driving licence, NPR letter or NREGA job card
PAN card
Proof of business ownership
Additional financial documents
Research notes
Bajaj Finance publishes: Indian, self-employed, at least 3 years' business vintage, CIBIL 650+, age 21 to 80 at maturity (the calculator's age-24 note relates to a non-financial co-applicant), up to Rs 80 lakh over 12 to 96 months at 14% to 23.50% (ECLGS 5.0 is a separate scheme at 8% to 13%). No turnover, minimum amount or ITR rule is published, so the Rs 12 lakh turnover, Rs 1 lakh minimum, 1 year of ITR and 750 preferred score are our estimates and the block is tagged inferred.
According to Bajaj Finserv (Bajaj Finance)'s own website. See the source card.
Age
21 to 80 years (age when the loan ends)
Minimum income
₹25,000 net per month
Minimum credit score
650 (CIBIL or equivalent)
Employment
Salaried or self-employed
Vehicles financed
New car
Funding (LTV)
up to 100% of the price (new car)
Loan amount
₹1,00,000 to ₹10,00,00,000
Tenure
1 year to 8 years
Fees and charges
Processing up to 2.95% (inclusive of taxes); documentation up to Rs 2,360; foreclosure and part-prepayment up to 4.72% (none after 24 months on own funds with no bounces in 12 months; none on floating rate for individuals / MSEs); bounce Rs 1,500; penal up to 24% p.a.
Documents Bajaj Finserv (Bajaj Finance) lists
KYC: Aadhaar, passport, voter ID, driving licence, NPR letter or NREGA job card
PAN card
Salaried: employee ID card and salary slips for the last 3 months
Bank account statements for the previous 3 months
Self-employed: ITR for the past 2 years
Research notes
Bajaj Finance's new-car page and eligibility page publish age 21 to 80 at the end of the tenure, CIBIL 650+ and Rs 25,000/month salaried income (a separate FAQ says Rs 20,000; the product page wins). Self-employed applicants need 2 years' ITR but no income floor or vintage is published; the FAQ-only 1 year of salaried experience is not used as a gate. Loans Rs 1 lakh to Rs 10 crore over 12-96 months, up to 100% of on-road price. Only a maximum rate of 12.25% is published, so there is no rate block (the engine's product rate card applies); separate used-car and two-wheeler products exist but are not modelled. Bajaj pages refused re-fetch in Oct 2026; values rest on QA's 20 Oct 2026 research file.
ClearToLend is not affiliated with or endorsed by Bajaj Finserv (Bajaj Finance). Criteria are taken from public sources as of 2 November 2026 and can change; confirm the current terms with Bajaj Finserv (Bajaj Finance) before you apply. A match is not a loan offer or approval.
Bajaj Finserv (Bajaj Finance) Loan FAQs
The minimum net monthly income is ₹25,001, according to Bajaj Finserv (Bajaj Finance)'s own website, as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
A credit score of 650 or above, according to Bajaj Finserv (Bajaj Finance)'s own website. A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 21 and no older than 80 when the loan ends, according to Bajaj Finserv (Bajaj Finance)'s own website.
Rates run from 10% to 30.5% a year, according to Bajaj Finserv (Bajaj Finance)'s own website. Your own rate depends on your credit score, income and employer.
A credit score of 650 or above, by ClearToLend's estimate (not a rule Bajaj Finserv (Bajaj Finance) publishes). A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 21 and no older than 80 when the loan ends, by ClearToLend's estimate (not a rule Bajaj Finserv (Bajaj Finance) publishes).
Rates run from 14% to 23.5% a year, by ClearToLend's estimate (not a rule Bajaj Finserv (Bajaj Finance) publishes). Your own rate depends on your credit score, income and employer.
The minimum net monthly income is ₹25,000, according to Bajaj Finserv (Bajaj Finance)'s own website, as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
A credit score of 650 or above, according to Bajaj Finserv (Bajaj Finance)'s own website. A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 21 and no older than 80 when the loan ends, according to Bajaj Finserv (Bajaj Finance)'s own website.
No. ClearToLend compares your details with Bajaj Finserv (Bajaj Finance)'s published criteria without pulling your credit report, so nothing is recorded on your CIBIL file. ClearToLend is not affiliated with Bajaj Finserv (Bajaj Finance) and does not send your details to it.
