India’s salaried professionals are dynamic, fast-paced, and increasingly digital-first. From managing unexpected medical bills to funding upskilling courses or travel plans, the need for fast and flexible financial support is growing. Recognizing this shift, Bajaj Finserv offers three types of personal loans tailored to modern urban needs — each designed for speed, flexibility, and ease of use.
With loan amounts up to ₹55 lakh, attractive interest rates starting at 10% p.a., and tenures of up to 96 months, here’s how Bajaj Finserv is enabling the salaried class to borrow smartly.
Flexi Hybrid Loan For Interest-Only EMIs And Repeated Withdrawals
Imagine this: Rahul, a 32-year-old IT professional in Bengaluru, is renovating his home in phases. Instead of taking a lump sum loan upfront, he opts for Bajaj Finserv’s Flexi Hybrid Loan — where he withdraws only the amount needed per milestone and pays EMIs only on the amount used.
Why it works:
- Withdraw and repay multiple times within the sanctioned limit
- Pay interest-only EMIs during the initial tenure
- Great for phased expenses like home interiors, fertility treatments, or education fees
This loan ensures cash is available as needed, without unnecessary interest burden.
Flexi term loan for structured EMIs with withdrawal flexibility
Now meet Priya, a marketing manager from Mumbai planning to relocate abroad for higher studies. She doesn’t need the full loan amount right away but prefers a fixed EMI structure to maintain budget discipline. Bajaj Finserv’s Flexi Term Loan lets her withdraw as needed, while paying regular EMIs that include both principal and interest.
Best suited for:
- Relocations
- Career development courses
- Starting a business alongside your job
It’s a mix of control and discipline — ideal for planned expenses spread across a few months.
Term loan for one-time high-value needs with regular EMIs
Ramesh, a senior sales executive, needed ₹10 lakh urgently for his daughter’s wedding. He chose a Term Loan from Bajaj Finserv — a fixed amount disbursed upfront, with no flexibility in withdrawal, but perfect for one-time big spends.
What makes it ideal:
- No borrowing limit flexibility
- Repayment via regular EMIs (principal + interest)
- Suitable for weddings, medical emergencies, or debt consolidation
This is the most straightforward option — a lump sum loan with a clear repayment roadmap.
Compare Bajaj Finserv Personal Loan Variants
Here’s a simple breakdown of the three types of personal loans from Bajaj Finserv:
| Feature | Flexi Hybrid Loan | Term Loan | |
| Withdraw as needed | ✅ | ✅ | ❌ |
| Interest-only EMIs | ✅ | ❌ | ❌ |
| Fixed EMIs (Principal + Interest) | ❌ | ✅ | ✅ |
| for phased use | ✅ | ✅ | ❌ |
| Ideal for one-time need | ❌ | ❌ | ✅ |
| EMI flexibility | High | Medium | Low |
RupeeQ Tip: Not sure which loan variant fits your need? Start by checking your credit score with RupeeQ ACE — it’s free and helps you unlock the most suitable offers.
Instant Personal Loan Online Up To ₹55 Lakh
Across all three variants, Bajaj Finserv enables salaried individuals to access personal loans up to ₹55 lakh. With digital documentation, approvals in just 5 minutes, and funds disbursed in 24 hours, it’s built for speed.
Key highlights:
- No collateral and no hidden charges
- 100% online process with minimal documents
- Loan tenure up to 96 months
- Interest rates starting at 10% p.a.
This makes it easy for salaried professionals to manage anything from large purchases to family commitments — without financial stress.
Eligibility For Salaried Professionals To Apply For Bajaj Finserv Personal Loan
To apply for any of the Bajaj Finserv personal loan categories, you must meet the following basic criteria:
- Age: Between 21 to 80 years (at loan maturity)
- Employment: Must be salaried with a private, public or MNC company
- Minimum net monthly income: ₹22,000 (in Tier 2 cities) to ₹35,000 (in metros)
- Credit score: Typically 720 and above
Higher income and strong employer profiles may also qualify applicants for pre-approved or high-value loan offers.
RupeeQ Tip: Take help from RupeeQ ACE to check your latest credit score and get matched with personal loan deals from top lenders — including pre-approved offers.
Why Bajaj Finserv Is The Good For Salaried Borrowers
For the modern workforce juggling EMIs, goals, and emergencies, Bajaj Finserv offers unmatched benefits:
- Same-day approvals and disbursals
- Loan flexibility through hybrid and term formats
- Transparent charges and repayment options
- Loans tailored to every scenario — phased, flexible, or fixed
Whether you’re in Delhi, Pune, Hyderabad, or Gurugram, these loan types are designed for your lifestyle and ambition.
Conclusion: Choose The Right Personal Loan For Your Life Goals
Every salaried professional has unique financial needs — and Bajaj Finserv’s personal loan variants are built to support them all. Whether you want flexible access to funds with a Flexi Hybrid Loan, structured EMIs with control via the Flexi Term Loan, or a lump sum solution with a Term Loan, the choices are clear and convenient.
With features like:
- Loan amounts up to ₹55 lakh
- Instant approvals in 5 minutes
- Disbursals within 24 hours
- Interest rates starting from 10% p.a.
Bajaj Finserv ensures you never have to put life on hold due to a cash crunch.
