Bajaj Finance Launches Loan Utsav 2026 With Rewards and 108-Month Tenure

A Bajaj Finance Personal Loan is designed to help customers manage planned and unexpected expenses, including home renovation, higher education, travel, weddings and medical emergencies. The collateral-free financing solution is available through a simple online application process.

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 offers eligible customers flexible financing along with additional lifestyle and entertainment benefits.

Customers whose Bajaj Finance Personal Loan is successfully disbursed within the campaign period can avail themselves of the reward bundle, which includes six months of free membership across Zee 5, Sony Liv and 14 other OTTs, three months of JioHotstar membership, three months of Zomato Gold Membership, three months of JioSaavn Pro, 45 days of Gaana membership and more than 40 vouchers. The rewards are applicable only on successful loan disbursal during the campaign period and are subject to applicable terms and conditions.

The Bajaj Finance Personal Loan is a collateral-free financing solution that allows customers to manage planned and urgent expenses without pledging any asset as security. Customers can apply online, with the loan offering financing from Rs. 40,000 to Rs. 55 lakh.

Borrowers can choose a repayment tenure ranging from 12 months to 108 months, allowing them to select an EMI aligned with their financial situation. 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 choosing shorter repayment periods, eligible borrowers can spread repayments over a longer duration, which may help reduce monthly EMI obligations. The feature is particularly useful for customers borrowing larger loan amounts or planning significant expenses.

Customers can select 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, helping borrowers balance loan repayments with other household expenses. This flexibility supports financial planning while allowing customers to borrow according to their requirements.

The Bajaj Finance Personal Loan can be used for wedding expenses, medical emergencies, home improvement projects, higher education and travel plans. Customers seeking flexible repayment options and quick access to funds may find the product suitable for managing expected and unexpected expenses.

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 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.

The application process 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. Following verification and approval, eligible applicants can receive the loan amount within 24 hours*. The process involves minimal documentation and does not require collateral.

The Bajaj Finance Personal Loan offers a loan amount from Rs. 40,000 to Rs. 55 lakh, a repayment tenure from 12 months to 108 months, a personal loan interest rate ranging from 10% to 30.5% per annum, collateral-free financing, a quick approval process, minimal documentation, disbursal within 24 hours* for eligible customers and the limited-period Loan Utsav reward bundle for eligible applicants.

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. The Loan Utsav 2026 campaign remains available until 10 September 2026, with rewards subject to successful loan disbursal during the campaign period and applicable terms and conditions.

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.

BFL 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.