Bajaj Finserv
NBFCEst. 1987
India's largest NBFC — same-day personal loan approvals with flexible repayment.
Best for: Self-employed borrowers, MSMEs, and individuals with CIBIL scores between 685–720 who need quick disbursal and can't qualify at banks.
Loan Products
Rates and terms for 2026 — updated quarterly.
Home Loan
Key advantage: Lowest CIBIL threshold among major home loan lenders at 685
Personal Loan
Key advantage: Flexi Hybrid Loan — withdraw and repay multiple times within the sanctioned limit
Business Loan
Key advantage: Business loan sanction in 48 hours — highest unsecured business loan limit among NBFCs
Pros & Cons
Advantages
- Lowest CIBIL score requirement (685) — accessible to borrowers rejected elsewhere
- Fastest business loan disbursal — 48 hours for eligible profiles
- Flexi Loan feature reduces interest by letting you repay and re-borrow
- Highest unsecured business loan limit at ₹80 L
Disadvantages
- Processing fees up to 4% are the highest on this list
- Interest rates can reach 35% on personal loans for weaker credit profiles
- Fewer branches (30) — less physical support vs banks
Bajaj Finserv in Hyderabad
Local context, branches, and region-specific offerings.
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30 Bajaj Finserv branches in Hyderabad including EMI stores across Ameerpet, Dilsukhnagar, Kukatpally, and Madhapur.
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Bajaj Finserv's Hyderabad business loan team actively supports the city's growing MSME cluster in Jeedimetla and IDA Nacharam industrial estates.
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Flexi Loan cards are widely distributed in Hyderabad electronics and consumer goods retail stores — many borrowers convert these to structured personal loans.
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Bajaj Finserv partners with 200+ Hyderabad doctors and hospitals under their Doctor Loan scheme — a popular product in the city's medical community.
Frequently Asked Questions
What is the minimum CIBIL score for a Bajaj Finserv personal loan?
Bajaj Finserv accepts CIBIL scores from 685 — the lowest threshold among major lenders. However, scores below 700 typically attract higher interest rates (25–35% range).
How quickly can Bajaj Finserv disburse a personal loan in Hyderabad?
For pre-approved Bajaj Finserv customers, personal loans are disbursed on the same day. New applicants can expect approval within 24 hours and disbursement within 1–3 working days.
What is the Bajaj Finserv Flexi Loan and how does it work?
A Flexi Loan gives you a pre-approved credit limit from which you can withdraw as needed and repay in part-payments. Interest is charged only on the utilised amount. This is especially useful for businesses with irregular cash flows.
What documents does Bajaj Finserv require for a business loan?
Bajaj requires: Aadhaar, PAN, 6 months current account bank statements, GST registration certificate, 1 year ITR, and business address proof. The low documentation requirement is one of Bajaj's key advantages.
Should I choose Bajaj Finserv or a bank for my Hyderabad business loan?
If you need funds within 48–72 hours or have a CIBIL score below 720, Bajaj Finserv is the better choice. If your score is 720+ and you can wait 7–10 days, SBI or HDFC Bank will offer significantly lower rates. Loans Got Easy runs this comparison for you free of charge.
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