Bajaj Finserv EMI Calculator
Estimate your monthly EMI for a Bajaj Finserv personal loan at 10% - 31% p.a.. Adjust the amount, rate and tenure to plan repayment before you apply.
Your Monthly EMI
₹8,792
per month
₹1,05,499
Total Payable
₹1,00,000
₹5,499
Bajaj Finserv Loan at a Glance
10% - 31% p.a.
Interest Rate
₹55,00,000
Max Loan
12 – 96 months
Tenure
0.5% – 3.93% of loan amount
Processing Fee
Within 24 hours
Disbursal
What a ₹1,00,000 Bajaj Finserv Loan Costs
Here's a worked example for a ₹1,00,000 loan over 12 months at 10% p.a. — the interest is what you pay on top of the amount you borrow.
₹8,792
Monthly EMI
₹5,504
Total Interest
₹1,05,504
Total Repayment
Note: a processing fee (0.5% – 3.93% of loan amount) and applicable GST are charged separately and are not included above.
Bajaj Finserv EMI Table @ 10% p.a.
| Loan Amount | 6 months | 12 months | 18 months | 24 months | 36 months |
|---|---|---|---|---|---|
| ₹10,000 | ₹1,716 | ₹879 | ₹601 | ₹461 | ₹323 |
| ₹25,000 | ₹4,289 | ₹2,198 | ₹1,501 | ₹1,154 | ₹807 |
| ₹50,000 | ₹8,578 | ₹4,396 | ₹3,003 | ₹2,307 | ₹1,613 |
| ₹1,00,000 | ₹17,156 | ₹8,792 | ₹6,006 | ₹4,614 | ₹3,227 |
| ₹2,00,000 | ₹34,312 | ₹17,583 | ₹12,011 | ₹9,229 | ₹6,453 |
| ₹5,00,000 | ₹85,781 | ₹43,958 | ₹30,029 | ₹23,072 | ₹16,134 |
| ₹10,00,000 | ₹1,71,561 | ₹87,916 | ₹60,057 | ₹46,145 | ₹32,267 |
* EMI calculated using the reducing-balance method at 10% p.a. (0.83% per month). Your actual EMI depends on the rate Bajaj Finserv offers you. Rate sourced from Bajaj Finserv's official disclosures, verified 18 Jun 2026.
How Bajaj Finserv EMI Is Calculated
An EMI (Equated Monthly Instalment) is the fixed amount you repay each month — part interest, part principal. Bajaj Finserv uses the standard reducing-balance formula, so the interest portion shrinks every month as your outstanding balance falls.
- P = principal (the amount you borrow)
- r = monthly interest rate = annual rate ÷ 12 ÷ 100 (here, 10% ÷ 12 = 0.83%)
- n = number of monthly instalments (the tenure)
How to Lower Your Bajaj Finserv EMI
Choose a longer tenure
Spreading the loan over more months cuts each EMI — but raises total interest, so balance affordability against cost.
Borrow only what you need
A smaller principal means a smaller EMI. Avoid topping up just because a higher limit is offered.
Improve your credit score
A higher CIBIL score can earn a lower rate than 10% - 31% p.a., directly reducing your EMI.
Prepay when you can
Part-prepaying early in the tenure lowers the outstanding balance and the interest you pay on every future EMI.
Ready to apply with Bajaj Finserv?
Check your eligibility in under two minutes — no impact on your credit score — and see the rate and EMI you actually qualify for.
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