Loan Utsav 2026: Bajaj Finance Personal Loan Now Comes with an Exclusive Reward Bundle for Eligible Customers

A Bajaj Finance Personal Loan is designed to help customers manage both planned and unexpected expenses. Whether the requirement is for home renovation, higher education, travel, weddings or medical emergencies, the loan offers a convenient and collateral-free financing solution through a simple online application process.

What is new in Loan Utsav 2026?

Loan Utsav 2026 introduces an exclusive reward bundle for eligible customers who apply for a Bajaj Finance Personal Loan during the campaign period. Extended until 10 September 2026, the campaign provides eligible customers an opportunity to access flexible financing along with additional lifestyle and entertainment benefits.

Customers whose Bajaj Finance Personal Loan is successfully disbursed within the campaign period can avail of the reward bundle, which includes OTT subscriptions, music memberships, dining benefits, and vouchers. The rewards are applicable only on successful loan disbursal during the campaign period and are subject to applicable terms and conditions.

The reward bundle includes:

• Zee 5, Sony Liv & 14 other OTTs – 6 months free membership

• JioHotstar membership – 3 months

• Free 3-month Zomato Gold Membership

• Free 3-month JioSaavn Pro

• Free 45 Day Gaana membership

• Free 40+ Vouchers

What is the Bajaj Finance Personal Loan?

A Bajaj Finance Personal Loan is a collateral-free financing solution that helps customers manage both planned and urgent expenses. Customers can apply online without pledging any asset as security.

The loan offers financing from Rs. 40,000 to Rs. 55 lakh, making it suitable for different financial requirements. Borrowers can choose a repayment tenure ranging from 12 months to 108 months, helping them select an EMI that aligns with their financial situation.

What is new in the loan offering?

Along with the Loan Utsav reward bundle, the Bajaj Finance Personal Loan now offers a repayment tenure of up to 108 months.

The extended tenure provides customers with greater flexibility when planning repayments. Instead of opting for shorter repayment periods, eligible borrowers can spread repayments over a longer duration, which may help reduce monthly EMI obligations.

This feature is particularly useful for customers borrowing larger loan amounts or planning significant expenses.

Why does the extended tenure matter?

A longer repayment tenure gives borrowers more flexibility in managing their monthly finances.

Customers can choose a repayment period between 12 months and 108 months, depending on their eligibility and financial requirements. A longer tenure may result in lower monthly EMIs, making it easier to balance loan repayments with other household expenses.

This flexibility supports better financial planning while allowing customers to borrow according to their needs.

Who can benefit from the Bajaj Finance Personal Loan?

A Bajaj Finance Personal Loan is suitable for customers who require funds for various personal financial needs.

It can help finance:

• Wedding expenses

• Medical emergencies

• Home improvement projects

• Higher education

• Travel plans

Customers looking for flexible repayment options and quick access to funds may find the product suitable for managing both expected and unexpected expenses.

What is the Bajaj Finance Personal Loan interest rate?

The personal loan interest rate for a Bajaj Finance Personal Loan ranges from 10% to 30.5% per annum, depending on the applicant's eligibility and credit assessment.

The final interest rate may vary based on several factors, including the applicant's financial profile and applicable lending criteria.

Customers are encouraged to review the applicable personal loan interest rate before submitting their application to understand the expected borrowing cost.

How does the application process work?

Applying for a Bajaj Finance Personal Loan is designed to be simple and convenient.

Customers can complete the application online by providing basic personal and financial details and uploading the required documents. After verification and approval, eligible applicants can receive the loan amount within 24 hours*.

The process involves minimal documentation and does not require any collateral, making it easier for eligible customers to access funds.

Key features of the Bajaj Finance Personal Loan

The Bajaj Finance Personal Loan offers several features designed to support different borrowing needs:

• Loan amount from Rs. 40,000 to Rs. 55 lakh

• Repayment tenure from 12 months to 108 months

• Personal loan interest rate ranging from 10% to 30.5% per annum

• Collateral-free financing

• Quick approval process

• Minimal documentation

• Disbursal within 24 hours* for eligible customers

• Limited-period Loan Utsav reward bundle for eligible applicants

A customer-focused lending approach

Bajaj Finance continues to focus on providing accessible and convenient lending solutions through a simple digital application process, simple eligibility criteria, and flexible repayment options. The addition of the Loan Utsav reward bundle further enhances the value available to eligible customers while supporting their financial goals.

Customers interested in a Bajaj Finance Personal Loan can check their eligibility and apply online through the official website or the app.

*Terms and conditions apply.

Bajaj Finance Ltd. (‘BFL’, ‘Bajaj Finance’, or ‘the Company’), a subsidiary of Bajaj Finserv Ltd., is a deposit taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 69.14 million customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BB+/Positive and a short-term rating of B by S&P Global ratings.