Bajaj Finserv brings a comprehensive personal loan, UPI, and fixed deposit solution through their mobile app. With borrowing amounts ranging from ₹40,000 to ₹55 lakh, repayment tenure from 12 to 96 months, and interest rates starting at 10% per year, the app makes it easy for users to manage different financial needs. The loans are processed digitally, and users can explore options such as personal loans, gold loans, business loans, and even invest in fixed deposits. The processing fee can go up to 3.93%, inclusive of taxes, and other minor charges as applicable. Flexible EMIs and instant disbursal make it a smart choice for many.

How to Apply: Step by Step Guide

• Download and install the Bajaj Finserv app from the play store.
• Register and complete your profile with required KYC documents.
• Select the desired loan type (personal, gold, business, etc.).
• Enter the loan amount and tenure you want.
• Submit the application and wait for instant approval and processing.

Key Advantages

The Bajaj Finserv app is extremely versatile, offering instant loans, seamless UPI payments, bill payments, and investment options. The multi-purpose nature makes it a convenient one-stop app.

Flexible loan terms, sizable borrowing limits, digital KYC, and easy EMI plans suit both salaried and self-employed users. The app also gets high user ratings for its broad coverage and secure interface.

Points to Consider

Some users report that the app interface occasionally loads slowly or gets stuck on some screens. Cashback offers may be subject to verification and eligibility.

The processing fees can add to the total loan cost. It is important to check all charges and read the fine print before committing to a loan agreement.

Final Verdict

Bajaj Finserv’s loan app stands out for its broad service offering, instant approvals, and flexibility. Despite minor technical drawbacks, it remains a recommended option for instant digital borrowing and utility management in India.