Bajaj Finserv Personal Loan EMI Calculator


  • Use Personal Loan EMI Calculator to Calculate your EMIs
  • Know your EMIs and take calculative decision for a hassle-free loan journey

Wanna know the exact amount of your EMIs that you need to give away while availing a personal loan from Bajaj Finserv? If yes, look no further and use Bajaj Finserv Personal Loan EMI Calculator online to calculate your monthly installments in just a few seconds.

Bajaj Finserv Personal Loan EMI Calculator

A Personal loan EMI Calculator is one such device that lets you know about your EMIs, Interest Outgo and Total Amount Payable towards a loan in the best manner. This smart tool works on a simple algorithm, wherein it calculates the values in the simplest way and that too within few seconds. The device takes into consideration:

  • Interest Rate
  • Loan Amount
  • Tenure

Apply Bajaj Personal Loan @ 14.00%* Rate

EMI Calculator for Personal Loan
Loan Amount (₹)
Interest Rate (%)
Tenure (Month)
Loan Amount
Interest Rate
Monthly Instalment (EMI)
Total Interest Amount
Total Amount (Principal + Interest)
YearPrincipalInterestBalance Amount

Let’s just understand the functionality of this device with the help of an example below.

Suppose, Rakhi Varma, a 32-year-old, Dentist by profession is looking for a personal loan of INR 4 Lakh to expand her clinic. The lender has agreed to offer her the loan at an interest rate of 10.99% per annum for a tenure of 5 years. So, let’s find out how much EMI, Interest and Total Amount she would be paying in the table below:

Table Showing EMI, Interest Outgo, and Total Repayment Amount

Loan AmountInterest RateTenureMonthly InstalmentTotal Interest AmountTotal Amount
₹ 4,00,00010.99%1₹ 35,351₹ 24,210₹ 4,24,210
₹ 4,00,00010.99%2₹ 18,641₹ 47,391₹ 4,47,391
₹ 4,00,00010.99%3₹ 13,094₹ 71,369₹ 4,71,369
₹ 4,00,00010.99%4₹ 10,336₹ 96,141₹ 4,96,141
₹ 4,00,00010.99%5₹ 8695₹ 1,21,698₹ 5,21,698

EMI, Total Interest Outgo, Total Repayment (Interest + Principal)

YearPrincipalInterestBalance Amount
1₹ 63,515₹ 40,824₹ 3,36,484
2₹ 70,858₹ 33,481₹ 2,65,625
3₹ 79,050₹ 25,289₹ 1,86,574
4₹ 88,189₹ 16,150₹ 98,385
5₹ 98,463₹ 5955₹ 0

Bajaj Finserv Personal Loan EMI Calculation Formula

An EMI Calculator uses the below formula to calculate an EMI:

EMI = [P x R x (1+R)^N]/[(1+R)^N-1]


EMI = Equated Monthly Installment

P = Principal Loan Amount

R = Monthly Interest Rate

N = Number of Monthly Installments

Bajaj Finserv personal loan interest rate starts from 10.97% per annum and EMI for different time periods is shown in the table below.

Loan Amount ₹2 years3 years 4 years5 years
1.00 lakh ₹4,659₹3,272₹2,583₹2,173
3.00 lakh₹13,978₹9,817₹7,749₹6,518
5.00 lakh₹23,297₹16,362₹12,915₹10,864
7.00 lakh ₹32,616₹22,907₹18,082₹15,209
10.00 lakh₹46,594₹32,725₹25,831₹21,727
15.00 lakh₹69,891₹49,087₹38,746₹32,591

And the interest rate ends at 16.00% per annum for which the EMI would be as in the below mentioned table.

Loan Amount ₹2 years3 years 4 years5 years
1.00 lakh ₹4,896₹3,516₹2,834₹2,432
3.00 lakh₹14,689₹10,547₹8,502₹7,295
5.00 lakh₹24,482₹17,579₹14,170₹12,159
7.00 lakh ₹34,274₹24,610₹19,838₹17,023
10.00 lakh₹48,963₹35,157₹28,340₹24,318
15.00 lakh₹73,445₹52,736₹42,510₹36,477

Bajaj Finserv Personal Loan Eligibility

When it comes to personal loan eligibility of Bajaj, the lender offers the loan to only salaried individuals. You have to meet the eligibility criteria set by the lender in order to get the fund without any hassle. However, you can also calculate your loan eligibility with the help of a personal loan eligibility calculator online.

Bajaj Finserv Personal Loan Contact Number

When in need, don’t need to worry as the customer care executives of Bajaj Finserv are always by your side. All you need to do is simply dial 1800 103 3535 either from your mobile or landline in order to be in the touch with the team. These highly skilled professionals with their years of experience and expertise are there to support and guide you 24×7 so that you can have a hassle-free loan journey.

Bajaj Finserv Personal Loan Status

It is absolutely easy for you to know the real-time status of your personal loan online. With the help of an online facility, you can anytime know whether your application has approved, pending or rejected. No matter what the status is, it’s a hassle-free and a quick process for you to know the actual status of Bajaj Finserv Personal Loan.

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