Bajaj Finserv’s Instant Personal Loan caters especially to those who lack formal income documentation, such as salary slips. You can get loans up to ₹55 lakh at interest rates starting from 10% to 31% per annum, with tenure options extending up to 96 months. Approval and disbursal could be as swift as 24 hours, ensuring fast access to needed funds.

How to Apply for Bajaj Finserv Instant Personal Loan

1. Visit the Bajaj Finserv official website.
2. Fill in the simple online application form with your personal and contact details.
3. Submit alternative documents like bank statements, PAN, and KYC documents if salary proof is unavailable.
4. Choose your loan amount and tenure as per your requirements.
5. Once your application is verified, funds can be disbursed within hours.

Key Advantages of Bajaj Finserv Instant Personal Loan

A major benefit is the possibility to secure a high loan amount without the need for income proof. This makes it a practical option for self-employed and non-salaried applicants.

Flexible eligibility, quick digital process, and minimal paperwork help you manage urgent financial needs without traditional hassles. The lender’s robust online platform streamlines your experience from application to loan approval.

Things to Consider: Cons of the Loan Offer

Absence of income proof could lead to a higher interest rate, as the lender takes on greater risk. Compared to loans with income validation, your approved amount might be lower.

Also, collateral or a guarantor could be requested, depending on your credit profile. It’s important to check all fees and terms carefully before applying.

Final Verdict: Is This Loan Right For You?

Bajaj Finserv’s instant personal loan is a suitable choice for individuals needing immediate funds but lacking formal income documents. Its digital-first approach, high disbursal limit, and broad eligibility are standout features.

However, always assess the total cost and monthly obligations before committing. For many, this offer provides rapid support when traditional loans aren’t accessible.