बजाज फाइनेंस फ्लेक्सी पर्सनल लोन
Bajaj Finance Flexi personal loan up to ₹40 Lakhs with interest charged only on utilized amount.
💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Bajaj Finance's signature Flexi hybrid loan variant functioning like an overdraft line where interest is charged solely on the drawn amount rather than the entire sanctioned limit.
प्रमुख लाभ एवं विशेषताएं
• Pay interest ONLY on the amount utilized, not on the total sanctioned limit • Withdraw and part-prepay anytime through Bajaj Finserv app with zero part-payment fee • Longest market tenure up to 96 months (8 years) for manageable EMIs • Option to pay interest-only EMIs during the initial tenor.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें एवं आय आवश्यकताएं
Salaried corporate employees and professionals. Min Age: 21, Max Age: 68. Min Net Monthly Salary: ₹25,000 (city dependent). Min CIBIL: 720.
प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)
Flexi Term Loan allows part-prepayment anytime with NIL extra charges; full foreclosure incurs 4.72% (inclusive of GST) on principal outstanding.
📂आवश्यक दस्तावेज (Required Documents)
• Identity Proof: PAN Card and Aadhaar Card • Employment Proof: Employee ID Card • Income Proof: Last 3 months payslips • Bank Statement: Last 3 months salary bank statement.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)
• Annual maintenance charges (AMC) of 0.25% to 0.50% + GST on the flexi limit. • High foreclosure penalty of 4.72% if closed within the initial loan term. • Substantial processing fee up to 3.93% deducted upfront from disbursement. • Broken period interest charged from sanction date to first billing cycle.
🚀आवेदन के चरण (How to Apply)
1. Log into Bajaj Finserv App > Loans > Flexi Personal Loan. Select withdrawal amount, OTP authenticate, and funds transfer in 20 minutes.
1. Visit bajajfinserv.in > Personal Loans > Flexi Loan. Enter mobile number, PAN, verify bank statements via Account Aggregator, and e-sign mandate.
1. Visit nearest Bajaj Finserv branch with 3 months salary slips, KYC, and bank statements.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
How does Flexi Personal Loan work?
A loan limit is assigned; you can draw and prepay funds as needed, paying interest solely on the active balance.
Are part-payments free?
Yes, part-prepayments on the Flexi variant attract zero prepayment fees.
What is the maximum tenure?
Up to 96 months (8 years).