Bajaj Finance Personal Loan

A personal loan can help customers manage expenses such as medical emergencies, home renovation, education, travel or weddings. As a collateral-free loan, it offers access to funds without requiring borrowers to pledge assets.

What are the features of Bajaj Finance Personal Loan?
Bajaj Finance Personal Loan is an unsecured loan designed to help customers meet a wide range of financial requirements. Eligible borrowers can avail loan amounts ranging from Rs. 40,000 to Rs. 55 lakh, depending on their requirements and eligibility.

The loan offers repayment tenures from 12 months to 108 months, enabling customers to select an EMI that aligns with their monthly budget and long-term financial goals. Interest rates range from 10% to 30% per annum, depending on factors such as credit profile, income, and repayment capacity.

The Bajaj Finance Personal Loan also offers quick approval, minimal documentation, and disbursal of funds within 24 hours* after approval, making it suitable for both planned and urgent financial needs.

What is new in the Bajaj Finance Personal Loan offering?
The introduction of repayment tenures extending up to 108 months provides borrowers with greater flexibility while planning their finances.

Longer repayment tenures can help spread the loan amount over a larger period. This may reduce monthly EMI obligations and allow borrowers to manage expenses more comfortably. Customers who require larger loan amounts or are planning significant expenses can benefit from choosing a repayment period that suits their financial situation.

However, it should be noted that increasing the loan tenure often means paying more overall interest – while shorter tenures can increase the monthly instalment but customers may end up paying lesser overall interest. The right tenure depends on borrower’s repayment flexibility and budget.

The Bajaj Finance Personal Loan Calculator aids borrowers in estimating EMIs instantly for different loan amounts, tenures, and interest rates before submitting an application.

How does the Bajaj Finance Personal Loan calculator work?
The Bajaj Finance Personal Loan Calculator is an online tool that helps customers estimate their monthly EMI before applying for a loan.
The process is simple:

• Enter the preferred loan amount.

• Select the repayment tenure between 12 months and 108 months.

• Choose the applicable interest rate.

• Instantly view the estimated EMI and total repayment amount.

Using the Bajaj Finance Personal Loan Calculator allows customers to compare repayment options and understand the financial commitment associated with the loan. It also supports better budgeting and repayment planning.

Why does a longer repayment tenure matter?
Longer repayment tenures can make a noticeable difference to monthly financial planning.

Customers often evaluate their repayment obligations alongside regular household expenses, savings goals, and future commitments. By choosing a tenure of up to 108 months, borrowers can select an EMI that fits their budget while maintaining financial stability.

The Bajaj Finance Personal Loan Calculator supports this process by helping customers compare multiple repayment scenarios. Borrowers can adjust the loan amount, tenure, and interest rate to understand how each factor influences the EMI.

This approach enables customers to make informed decisions and borrow responsibly.

Who can benefit from the Bajaj Finance Personal Loan?
The Bajaj Finance Personal Loan is suitable for customers who require funds for both planned and urgent expenses.

Borrowers may consider the loan for:

• Medical emergencies and healthcare expenses

• Home renovation and repairs

• Wedding-related expenses

• Domestic or international travel

• Higher education and professional courses

Customers managing larger expenses may particularly benefit from the extended repayment tenure and the flexibility offered by the Bajaj Finance Personal Loan Calculator.

What is the Bajaj Finance Personal Loan interest rate?
The Bajaj Finance Personal Loan interest rate ranges from 10% to 30% per annum.

The final interest rate offered depends on several factors, including:

• Credit history and credit score

• Monthly income

• Employment profile

• Existing financial obligations

• Loan amount selected

• Repayment tenure chosen

Customers can use the Bajaj Finance Personal Loan Calculator to estimate EMIs based on different interest rates and repayment tenures. This enables borrowers to compare options and choose a repayment plan that aligns with their financial goals.

How does the application process work?
Applying for a Bajaj Finance Personal Loan is designed to be simple and convenient.

Customers can complete the application online by:

• Checking eligibility

• Filling in personal and employment details

• Uploading the required documents

• Selecting the preferred loan amount and tenure

• Submitting the application for verification

The documentation requirements are minimal and generally include identity proof, address proof, PAN card, bank statements, and income-related documents, depending on the applicant profile.

After approval, eligible customers may receive the funds within 24 hours*.

Customer-focused lending with flexible financial solutions
Bajaj Finance continues to focus on providing customer-centric lending solutions that combine convenience, flexibility, and responsible borrowing practices. The Bajaj Finance Personal Loan, supported by the Bajaj Finance Personal Loan Calculator, helps customers understand repayment commitments, plan budgets effectively, and make informed financial decisions.

Customers can check their eligibility online and explore repayment options that suit their financial requirements.

*Terms and conditions apply.

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. It 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.

AI-powered platform designed to help investors identify opportunities across global equities, commodities, and Indian markets

The launch comes at a time when affluent investors are increasingly expanding their investment horizons beyond domestic markets.

Today, investors are witnessing another shift.

Artificial Intelligence is reshaping how businesses operate. Semiconductor companies have become the backbone of technological innovation. Commodities are being influenced by energy transition, and evolving geopolitical dynamics. New opportunities are emerging across industries, asset classes, and markets simultaneously. 

Many of these opportunities are either unavailable on Indian exchanges or only accessible indirectly through companies listed overseas. Industries shaping the future of Artificial Intelligence, semiconductor infrastructure, advanced manufacturing, and global technology remain concentrated in international markets.

As a result, investors are beginning to think differently.

The question is no longer: "Should I invest in India or global markets?"

The more relevant question is:

"How do I identify the best opportunities wherever they emerge?"

This shift in investor thinking has led to the launch of Jarvis Atlas, an AI-powered global market intelligence platform designed to help investors discover opportunities across global equities, commodities, and Indian markets through ONE Intelligence Platform.

Investors today have access to an endless stream of news, research reports, economic data, analyst commentary, social media opinions, and market forecasts.

According to Sreebhashyam Srinivas, Chief Investment Officer at Jarvis Invest, successful investing has always depended on the ability to separate meaningful signals from market noise.

With over three decades of experience across treasury management, capital markets, institutional trading, risk management, and investment strategy, Srinivas has witnessed multiple market cycles, economic events, and shifts in investor behaviour throughout his career. 

Speaking about the changing nature of investing, Srinivas said, "Investing has always been about making sense of uncertainty. What has changed today is the sheer volume of information investors are expected to process. Every day, investors are exposed to thousands of data points from economic indicators and earnings reports to geopolitical developments and market commentary. The real challenge is identifying what is relevant, understanding its impact, and making decisions based on research rather than emotion."

This philosophy has played a significant role in shaping the development of Jarvis Atlas.

Introducing Jarvis Atlas

Recognizing the growing need for integrated investment intelligence, Jarvis Invest has launched Jarvis Atlas, an AI-powered global market intelligence platform designed to help investors discover opportunities across global equities, commodities, and Indian markets.

The platform combines AI-powered analysis, market research, quantitative frameworks, and investment intelligence to help investors monitor developments across:

• Global Equities

• Commodities

• Indian Markets

• Macroeconomic Trends

• Sector and Theme-Based Opportunities

A Vision for the Future of Investing

Speaking on the launch of Atlas, Sumit Chanda, Founder & CEO of Jarvis Invest, said, "For decades, investors have been forced to think in silos. Indian equities on one platform, global markets on another, commodities somewhere else, and research scattered across multiple sources. We believe that model no longer reflects how opportunities emerge in today's world. The future of investing is not about choosing between India, the US, Germany, the UK, or commodities. It is about having the intelligence to identify opportunities across all of them at the right time."

The launch of Atlas reflects a broader shift in how investors approach portfolio construction. As long-term themes such as Artificial Intelligence, digital transformation, semiconductor infrastructure, energy transition, and cross-border capital flows continue to shape markets, investors are increasingly looking for research-driven insights that help them make informed decisions.

India remains one of the world's most attractive long-term investment destinations. However, as wealth grows and markets become more connected, investors are increasingly adopting a global perspective while continuing to participate in domestic growth opportunities.

With Atlas, Jarvis Invest aims to provide investors with a structured framework for understanding global market developments and identifying opportunities across asset classes through a single platform.

About Jarvis Invest

Jarvis Invest is a SEBI-registered stock advisory and investment platform that leverages artificial intelligence, quantitative research, and market intelligence to help investors make informed decisions and build long-term wealth. The company offers portfolio management, investment research, risk management solutions, stock recommendations, and trade ideas designed to support both long-term and short-term wealth creation across Indian and global markets.

Home loan demand rises in 2026 as Indian homebuyers explore affordable financing options

More Indian households are actively seeking home loans in 2026, driven by stabilising interest rates, rising incomes, and growing housing demand in Tier 2 and Tier 3 cities. The RBI's Monetary Policy Committee held its repo rate at 5.25% in June 2026, which has helped keep home loan rates of interest relatively stable for borrowers.
 

A home loan today can go up to Rs. 15 crore* with a tenure of up to 32 years*. EMIs can start as low as Rs. 671 per lakh*. But affordability depends on more than just the rate - your income, credit score, existing obligations, and down payment all shape what you can actually borrow. This article walks you through each of these factors so you can make a clear, informed decision.

Why is home loan demand rising in 2026?
Several factors have come together to make 2026 a particularly active year for home loan applications across India.

• Stable repo rate: The RBI's MPC voted unanimously to hold the policy repo rate at 5.25% in June 2026. This gives lenders room to maintain current lending rates, and borrowers can plan their finances with more certainty.

• Improving affordability: With income levels rising in urban and semi-urban areas, monthly EMI payments now represent a smaller share of household income for many buyers than they did three years ago.

• Growing housing demand: India's urban population continues to expand. Demand for owned homes, not rented ones, has increased, especially among households in the 30-45 age group.

• First-time buyers entering the market: Many first-time homebuyers who postponed purchases between 2022 and 2024 are now actively looking, supported by better loan products and longer tenures.

• Tier 2 and Tier 3 city growth: Cities like Lucknow, Coimbatore, Rajkot, and Nagpur are seeing a sharp rise in housing projects and home loan applications. Lower property prices in these markets make entry more accessible, and lenders are expanding their reach into these geographies.

How does the home loan rate of interest affect what you can buy?
The rate of interest on your home loan directly changes what you pay each month and how much the loan costs you over its full life. Here is how each element is affected.
 

• EMI: A lower rate means a smaller monthly payment. On a Rs. 50 lakh loan over 20 years, the difference between 7.25% p.a. and 8.5% p.a. amounts to over Rs. 4,100 per month.

• Total interest paid: Over 20 years, even a 0.5% difference in rate can add up to several lakhs. 

• Monthly budget impact: A higher rate can push your EMI above what fits your monthly income, forcing you to either reduce the loan amount or extend the tenure.

• Loan eligibility with the same income: Lenders calculate eligibility partly based on whether your EMI will exceed a set percentage of your monthly income. A lower rate increases your eligible loan amount without requiring a higher income.

• Tenure choice: When rates are lower, you can comfortably opt for a shorter tenure and save on total interest. When rates are higher, a longer tenure may be the only way to keep the EMI manageable, but that trade-off increases your total borrowing cost.

What makes a home loan affordable for you?
Rate alone does not determine whether a home loan fits your life. Six factors shape your actual affordability.

• Income: Lenders typically allow an EMI of up to 40-50% of your net monthly income. A higher income gives you access to a larger loan at any given rate.

• Existing obligations: If you already have a car loan, personal loan, or credit card debt, these reduce the EMI capacity available for a home loan. Clearing smaller debts before applying can improve your eligible loan amount.

• Credit score: A CIBIL Score of 725 or above is generally required for home loan approval. Scores above 750 can help you access better rates. A score below 700 can result in rejection or a higher rate of interest.

• Down payment: Lenders in India fund up to 80% of the property value, as per RBI guidelines. The remaining 20% is your down payment. A larger down payment reduces your loan amount and, consequently, your EMI and total interest.

• Property value: The market value and location of the property affect how much a lender will sanction. Properties in approved projects often get faster processing.

Scenario: Take Richa, 34, a salaried employee in Pune with a CIBIL Score of 760 and a stable monthly income. She earns Rs. 1.20 lakh per month and wants to buy a flat worth Rs. 80 lakh. With a 20% down payment of Rs. 16 lakh, she needs a loan of Rs. 64 lakh. She's comparing two tenure options on a Rs. 50 lakh home loan at 7.50% p.a.:
 

 
Her EMI for a 20-year tenure is approximately 43% of her monthly income - within a typical lender’s threshold. If she extends the tenure to 25 years, the EMI drops to approximately 39.4% of her monthly income, giving her more monthly room. But over 25 years versus 20, she pays Rs. 18.15 lakh more in interest. 

Richa's decision will depend on whether she is comfortable with her current income absorbing the higher EMI, or whether she'd rather keep her monthly outgo lower and use the freed-up cash for other goals. A CIBIL Score above 725 puts her in a strong position to negotiate better terms.

What should you compare before choosing a home loan?
It's easy to focus on the rate alone, but the overall cost of a home loan includes fees, penalties, and conditions that vary significantly across lenders.
 

Reviewing all six before you apply can save you a significant amount over the loan term.

What financing options are available today?
If you are looking to buy a home, refinance an existing loan, or access additional funds, there are three structured options from Bajaj Finance worth knowing about.

 
Bajaj Finance offers home loans of up to Rs. 15 crore*, with tenures extending to 32 years* and approval in 48 hours* of application. A top-up loan of up to Rs. 1 crore* is available for balance transfer customers, usable for home repairs, medical expenses, or other needs. Interest rates for salaried applicants starting at 7.25%* p.a.

There's no foreclosure charge for individual borrowers who choose a floating interest rate, which is a meaningful saving if you plan to repay early.

Who can apply?
Check these criteria before you apply. Meeting them clearly improves your chances of approval and can reduce processing time.
 

How to apply for your Bajaj Finance Home Loan online
 

• Click on the 'APPLY' button on the Bajaj Finance home loan page.

• Enter your full name, mobile number, and employment type.

• Select the type of loan you wish to apply for: fresh, balance transfer, or top-up.

• Generate and submit your OTP to verify your phone number.

• After OTP verification, enter your monthly income, required loan amount, and confirm whether you've identified the property.

• Enter your date of birth, PAN, and other details as requested based on your occupation type.

• Click 'SUBMIT.'

• A Bajaj Finance representative will contact you and guide you through the next steps.

Is now a reasonable time to apply?
Affordability in 2026 is not just about finding the lowest home loan rate of interest - it depends equally on your tenure choice, total borrowing cost, credit profile, and down payment. Before you apply, compare processing fees and foreclosure terms alongside the rate, and calculate total interest across different tenures. Review your eligibility criteria to avoid unnecessary credit enquiries. If you are ready to take the next step, the Bajaj Finance Home Loan offers amounts up to Rs. 15 crore*, tenure of up to 32 years*, and approval within 48 hours* - check your eligibility and apply online today.

Bajaj Finance Gold Loan
 

Bajaj Finance's gold loan calculator is designed to change that. It gives borrowers a verified, methodology-backed loan estimate before they pledge a single gram — removing the guesswork from one of India's most widely used secured credit products.
 

How the loan amount is actually calculated

Understanding what drives the eligible loan amount helps borrowers make better pledging decisions.
 

The calculation starts with three inputs: the weight of the gold in grams, its purity in karats, and the applicable gold rate. Where most borrowers go wrong is assuming the rate used is the live market price they see on a financial app. It is not. Bajaj Finance values pledged gold at the lower of the previous day's closing price or the 30-day average closing price published by IBJA or a SEBI-regulated commodity exchange. This is a deliberate, RBI-aligned methodology, it protects both the borrower and the lender from short-term price volatility and ensures the loan is structured on a stable valuation basis.
 

Once the gold value is established, the RBI-prescribed Loan-to-Value (LTV) ratio of up to 85% is applied to arrive at the final eligible loan amount. For example, if a borrower pledges 22-karat gold valued at Rs. 2 lakh, they may be eligible for a loan of up to Rs. 1.70 lakh.
 

Why using the calculator before applying matters

The gold loan calculator is a planning tool. Borrowers can model multiple scenarios: pledging more gold to access a higher amount, adjusting tenure to reduce monthly outgo, or comparing total interest across short and long repayment periods. A borrower who needs ₹3 lakh but only models Rs. 2 lakh worth of gold walks into the branch under-prepared. The calculator prevents that.
 

Bajaj Finance's gold loan calculator is available on their website and app, accessible from anywhere in India — Mumbai, Bengaluru, Chennai, or a Tier-3 town.
 

Documents required for gold loan

A single valid KYC document is sufficient for a Bajaj Finance gold loan application. The documents required for gold loan applications with Bajaj Finance are minimal. Borrowers need just one valid KYC document — which may be an Aadhaar card, Voter ID, passport, driving licence, , NREGA job card, or a letter from the National Population Register. No income proof, no salary slips, and no bank statements are needed— a meaningful distinction from unsecured loan products where income documentation can delay or derail an application.
 

Key features of a Bajaj Finance gold loan

• Loan amounts from Rs. 5,000 to Rs. 2 crore

• Interest rates are significantly lower than most unsecured loan options, making gold loans a cost-effective borrowing choice

• Multiple repayment — monthly, bi-monthly, quarterly, half-yearly, or annual basis

• No foreclosure charges

• Same-day disbursal in most cases

• Free insurance on pledged gold
   

How to apply

Borrowers can begin the application process online by visiting the Bajaj Finance website or app, entering their mobile number, verifying with an OTP, selecting their nearest branch, and downloading their in-principal eligibility letter. The gold is assessed physically at the branch, and funds are credited on the same day in most cases.
 

T&C Apply.
 

About Bajaj Finance Limited

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. It 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.
 

For more information, visit www.bajajfinserv.in.

Start SIP in Mutual Funds on Bajaj Broking App

With Bajaj Broking, starting and managing a SIP is designed to be simple and fully digital. The app provides access to a wide range of mutual fund schemes, along with tools to track, manage, and optimise your investments.

Why Choose The Bajaj Broking App for Your SIP Journey?

Choosing the right platform is important when starting a SIP. The Bajaj Broking app integrates multiple features that support both new and experienced investors.

1. All-in-One Investment Platform
The app allows you to explore mutual funds, invest, and track your portfolio in one place. This removes the need to use multiple platforms.

2. Wide Range of Mutual Fund Schemes
Investors can choose from equity, debt, and hybrid mutual funds. This helps in building a diversified portfolio aligned with financial goals.

3. Easy-to-Use Interface
The app is structured to guide users step by step, making it accessible even for first-time investors.

4. Portfolio Tracking and Insights
You can monitor:

• Total invested amount

• Current portfolio value

• Scheme-wise performance

This helps in evaluating progress over time.

5. Flexible Investment Options
The platform supports both SIP and lump sum investments, allowing investors to choose based on their financial situation.

Prerequisites to Start Investing in Mutual Funds

Before starting a SIP on Bajaj Broking, certain basic requirements must be completed.

1. Trading and Demat Account
You need an active account with Bajaj Broking to access mutual fund investments.

2. KYC Verification
KYC is mandatory on the Bajaj Broking app. This involves submitting documents such as:

• PAN card

• Aadhaar card

• Address proof

3. Linked Bank Account
A bank account must be linked to enable auto-debit for SIP instalments and to receive redemption proceeds.

4. Sufficient Balance or Auto-Debit Setup
Ensure your bank account has sufficient funds on the SIP date. Alternatively, set up auto-debit instructions.

5. Defined Financial Goals
It is useful to identify your goals, risk appetite, and investment horizon before selecting a mutual fund.

Step-by-Step Guide to Start SIP on Bajaj Broking App

Starting a SIP through the app involves a few structured steps.

Step 1: Log in to the Bajaj Broking App
Open the app and log in using your registered credentials.

Step 2: Navigate to Mutual Funds Section
Go to the mutual funds section where various schemes are listed.

Step 3: Select a Mutual Fund Scheme

Browse and compare funds based on:

Category (equity, debt, hybrid)

• Historical performance

• Risk level

• Investment objective

Choose a fund that matches your financial goals.

Step 4: Select SIP Option
Instead of choosing lump sum, select the SIP investment option.

Step 5: Enter SIP Details
Fill in the required details:

• SIP amount

• Investment frequency (monthly, quarterly)

• SIP start date

• Duration or number of instalments

Step 6: Set Up Payment Mandate
Complete the auto-debit mandate from your linked bank account. This ensures timely payments for each SIP instalment.

Step 7: Confirm the SIP
Review all details and confirm the SIP. Once submitted, the SIP will be scheduled as per your selected frequency.

Step 8: Track Your SIP
You can monitor your SIP investments through the app dashboard, including instalments paid, current value, and returns.

Managing Your SIP: Pause, Skip, Switch, or Stop

One of the advantages of investing through Bajaj Broking is the flexibility to manage your SIP as per changing financial needs.

1. Pause SIP
You can temporarily pause your SIP if needed. This is useful during periods of reduced cash flow.

2. Skip Instalment
Allow skipping a specific instalment without stopping the entire SIP.

3. Switch Funds
You can switch your investment from one mutual fund scheme to another if your investment strategy changes.

4. Stop SIP
If required, you can stop the SIP entirely through the app. This does not automatically redeem your existing investment.

5. Track and Review
Regularly review your SIP performance to ensure it aligns with your financial goals and market conditions.

Tips for SIP Investing

• Start early to benefit from compounding

• Invest consistently regardless of market conditions

• Choose funds based on long-term objectives

• Avoid reacting to short-term market fluctuations

• Review your portfolio periodically

Conclusion
A SIP is a disciplined approach to investing in mutual funds, helping investors build wealth gradually over time. The structured nature of SIPs makes them suitable for a wide range of investors.

With Bajaj Broking, starting and managing a SIP becomes straightforward through a digital platform that offers fund selection, automated investing, and portfolio tracking. By understanding the process and using the available features effectively, investors can create a consistent investment strategy aligned with their financial goals.

Disclaimer: - Investments in the securities market are subject to market risk, read all related documents carefully before investing.

Reg Office: Bajaj Auto Limited Complex, Mumbai –Pune Road Akurdi Pune 411035.

Corp. Office: Bajaj Broking., 1st Floor, Mantri IT Park, Tower B, Unit No 9 & 10, Viman Nagar, Pune, Maharashtra  411014. SEBI Registration No.: INZ000218931 | BSE Cash/F&O/CDS (Member ID:6706) | NSE Cash/F&O/CDS  (Member ID: 90177) | DP registration No: IN-DP-418-2019 | CDSL DP No.: 12088600 | NSDL DP No. IN304300 | AMFI Registration No.: ARN –163403. Website: www.bajajbroking.in

Bajaj Finance Gold Loan

A loan product built for accessibility
One of the defining features of a gold loan is how inclusive it is. Unlike personal loans or business loans that require income proof, a strong credit score, or extensive documentation, a gold loan is secured entirely against the value of the borrower's gold. This makes it accessible to a wide cross-section of Indians — salaried employees, self-employed professionals, and pensioners alike.

With Bajaj Finance, eligible borrowers can access loan amounts ranging from ₹5,000 to ₹2 crore, with funds disbursed on the same day in most cases*.

Gold loan eligibility criteria
The gold loan eligibility criteria set by Bajaj Finance are deliberately straightforward. To qualify, a borrower must be an Indian citizen between the ages of 21 and 80. The gold jewellery or ornaments being pledged must be between 18 and 22 karats in purity. Gold coins of up to 24 karats are also accepted — making this one of the most accessible secured loan products available in the Indian market today.

It is worth noting that jewellery with heavy stonework or enamel detailing is valued only on its actual gold content. Borrowers are advised to keep this in mind when estimating their eligible loan amount.

Documents required
The documentation process is minimal by design. Borrowers are required to submit just one valid KYC document, which may be any of the following — an Aadhaar card, Voter ID, passport, driving licence, NREGA job card, or a letter from the National Population Registeration.

Rate of interest against gold loan
The rate of interest against gold loan at Bajaj Finance starts from just 9.50% per annum. The applicable rate is influenced by factors such as the loan amount, chosen tenure, and the purity of the gold being pledged. Bajaj Finance evaluates gold using the lower of the previous day's closing price or the 30-day average closing price published by IBJA or a SEBI-regulated commodity exchange — ensuring a fair and stable valuation for the borrower.

Repayment is flexible, with borrowers able to pay interest on a monthly, bi-monthly, quarterly, half-yearly, or annual basis. The principal is settled at the end of the tenure. Foreclosure is permitted at no additional charge, giving borrowers the freedom to close the loan early if their finances allow.

How to apply
Borrowers can apply for a Bajaj Finance Gold Loan online through the website or app, or by visiting their nearest branch. The online process involves entering a mobile number, verifying with an OTP, filling in personal details, selecting the nearest branch, and downloading an in-principal eligibility letter. Physical assessment of the gold takes place at the branch, following which funds are typically credited on the same day.

T&C Apply.

About Bajaj Finance Limited
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. It 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.

For more information, visit www.bajajfinserv.in

Home loan EMI calculator trends in 2026: more borrowers using digital tools before applying for a loan

Why are more borrowers using calculators before they apply?

There was a time when borrowers visited a branch or called a lender to get a rough EMI figure. Today, they use a home loan EMI calculator to get an instant estimate, sometimes weeks before any conversation with a loan officer.

1. Know your exact monthly cash flow. Your EMI is a fixed monthly payment that covers both principal and interest. The calculator gives you the precise EMI for any combination of loan amount and tenure. You can test multiple scenarios in minutes and find the one that fits your monthly budget without guessing.

At 8.50% per annum on a loan of Rs. 50 lakh over 20 years, your EMI works out to roughly Rs. 43,391. That figure, compared against your monthly income, tells you immediately whether the loan is affordable.
 

2. See the lifetime interest cost and total repayment. Most borrowers focus on the EMI and overlook the total amount they will repay. A 20-year loan costs far more in interest than a 15-year loan. Shorter tenure means a higher EMI but a lower total interest outgo. This is one of the clearest trade-offs the calculator shows you: if you can stretch your monthly budget by Rs. 5,000-6,000, you may save several lakhs in interest overall. Knowing this upfront changes how you think about the tenure you choose.

3. Visualise amortisation schedule and model prepayment scenarios. Download an estimated amortisation schedule based on your home loan EMI calculator results. Combine it with results from a home loan calculator with prepayment, which lets you model what happens when you pay a lump sum towards the principal.

Early EMIs mostly comprise interest. In year 1 of a 20-year loan at 8.50%, roughly 80-85% of each EMI goes towards interest, with only 15-20% reducing the principal. By year 15, that ratio begins to reverse.

This is why making prepayments in the early years of the loan tenure saves far more than the same prepayment amount later, as the table below shows for a loan of Rs. 50 lakh at 8.50% p.a. with a tenure of 20 years.

The earlier the prepayment, the more interest you avoid paying on that principal for the remainder of the loan. You can now choose to either pay a lower EMI or reduce your tenure.
 

4. Compare lenders, interest rates, and offers quickly. A difference of 0.50% per annum on Rs. 60 lakh over 20 years can amount to over Rs. 4.5 lakh in additional interest.

The calculator makes this comparison concrete in seconds. You can test offers side by side and identify which lender is genuinely cheaper over the full tenure.
 

5. Plan tax savings alongside affordability. The calculator output, combined with India's tax rules, lets you estimate your net cost after deductions.

Under Section 80C of the Income Tax Act, principal repayment qualifies for a deduction of up to Rs. 1.5 lakh per year. Under Section 24(b), the interest paid on a home loan qualifies for a deduction of up to Rs. 2 lakh per year for a self-occupied property.

If you are in the 30% tax bracket, a Rs. 2 lakh interest deduction under Section 24(b) saves you Rs. 60,000 in tax annually. Add this to your EMI calculation to find your true net monthly outflow.

Note: Tax eligibility rules and deduction limits can change. Confirm your eligibility under Sections 80C and 24(b) with your tax advisor before making decisions based on projected tax savings.

Common mistakes to avoid when using a home loan EMI calculator

Calculators are tools, not decisions. Used without context, they can create a false sense of readiness. Watch out for these common errors.

• The calculator does not include processing fees or GST. Processing fees can be up to 4% of the loan amount plus applicable GST. Always factor these in separately when assessing affordability. Cross-check the sanction letter for any charges not reflected in the calculator.

• Do not ignore FOIR. Fixed Obligation to Income Ratio (FOIR) is the percentage of your monthly income already committed to existing EMIs and obligations. Most lenders prefer this to be below 50-55%. Even if the calculator shows an EMI you can manage, a high FOIR can result in a lower loan sanction than expected.

• Do not assume the advertised rate applies to you. Interest rates vary by applicant profile. Salaried borrowers may be offered a different rate than self-employed individuals. The rate in your sanction letter is what matters for your actual EMI, not the starting rate shown in ads.

• Tax deduction assumptions may not hold. Section 24(b) deductions apply under specific conditions - for example, the property must be purchased or construction completed within five years from the end of the financial year in which the loan was taken, for the full Rs. 2 lakh deduction to apply. Tax rules change. Do not build a financial plan on tax savings without confirming your eligibility.

• Know when to speak to a loan officer. If your CIBIL Score is below 725, if you have co-applicants, or if your income structure is non-standard (commission-based, seasonal, or multi-source), a calculator alone will not give you a reliable picture. Speak to a loan officer to understand your actual eligibility.

Per RBI's Fair Practices Code, lenders are required to disclose the annualised rate of interest to borrowers before loan disbursal. If a lender is not doing this clearly, ask for it in writing.

Your pre-application checklist: five steps before you submit

Before you apply for a home loan, work through these steps in order.

• Run the home loan EMI calculator at different loan amounts, interest rates, and tenures. Find the combination where the EMI is comfortably within 40-45% of your net monthly income.

• Test a prepayment scenario using a home loan calculator with prepayment. Decide how much extra you could realistically pay in year one or two, and see the impact on total interest and tenure.

• Factor in additional costs. Add processing fees, stamp duty, registration charges, and insurance to your budget. These are not reflected in the EMI.

• Compare at least two or three lenders on total repayment, not just EMI. A lower EMI with a longer tenure can cost more overall.

• Check your CIBIL Score. If your score is lower than 725, find out why and take corrective steps before applying.

Who can apply for a Bajaj Finance Home Loan?

Once you have run your numbers, the next step is to check whether you meet the lender's eligibility criteria. Bajaj Finance offers home loans of up to Rs. 15 crore with interest rates starting from 7.25% p.a. and a tenure of up to 32 years. Cross-checking your calculator results against these criteria can save time. It also protects your CIBIL Score from a declined application.

This is an indicative list. Actual requirements may vary based on your loan application.

How to apply for your Bajaj Finance Home Loan online

The application process takes a few minutes online. Here is how it works, step by step.

1. Click on the 'APPLY' button on the Bajaj Finance Home Loan page.

2. Enter your full name, mobile number, and employment type.

3. Select the type of loan you wish to apply for.

4. Generate and submit your OTP to verify your phone number.

5. Upon OTP verification, enter additional details like your monthly income, required loan amount, and whether you have identified the property.

6. In the next steps, enter your date of birth, PAN, and other details as requested, depending on your selected occupation type.

7. Click on the 'SUBMIT' button.

8. Your application is submitted. A representative will connect with you and guide you through the next steps. 

The borrowers who get the most from a home loan are the ones who understand it before they sign anything. Using financial calculator tools gives you that understanding in minutes. Run the numbers, test the scenarios, check your eligibility, and then apply with confidence.

Bajaj Finance Personal Loan

The tool enables prospective borrowers to estimate the loan amount they may qualify for before starting the application process. This helps users plan their finances more effectively and choose a loan amount that fits their repayment capacity.

What is the Bajaj Finance Personal Loan eligibility calculator?

The Bajaj Finance Personal Loan Eligibility Calculator is a free online tool that helps individuals understand how much they may qualify for — based on their financial profile — before starting the application process.

Users simply enter a few key details:

1. Monthly income

2. Monthly expenses

3. City of residence

4. Date of birth

Within seconds, the calculator returns an estimated eligible loan amount. This gives borrowers the confidence to choose a loan amount and repayment tenure that genuinely fits their budget — rather than guessing.

Consider a marketing executive in Mumbai earning Rs. 75,000 per month with fixed monthly expenses of Rs. 35,000. A quick check on the Bajaj Finance Personal Loan Eligibility Calculator reveals they may qualify for up to Rs. 20 lakh, helping them make a more informed borrowing decision before proceeding with an application.

Bajaj Finance Personal Loan: Key features at a glance

Bajaj Finance offers a collateral-free personal loan with features designed to serve a wide range of financial needs — from planned expenses like home renovation and education, to urgent requirements like medical treatment or debt consolidation.

Here's what eligible borrowers can expect:

The interest rate offered to any individual depends on factors such as income level, employment type, credit score, and overall repayment capacity.

What's new: Repayment tenure extended to 108 months

One of the standout updates to the Bajaj Finance Personal Loan is the extended repayment tenure — now stretching up to 108 months (9 years).

This is a meaningful development for borrowers who need higher loan amounts but want to keep their monthly EMIs manageable. A longer tenure spreads the repayment across more months, reducing the financial strain on a household's monthly budget.

For example, a borrower taking a Rs. 10 lakh loan at 14% per annum interest would pay considerably lower monthly EMIs over 108 months compared to a 36-month tenure — though it's worth noting that a longer tenure also means paying more in total interest over time.

Using the eligibility calculator alongside an EMI calculator can help borrowers find the right balance between EMI affordability and total interest outgo.

Who can benefit from the eligibility calculator?

The tool is designed for anyone who wants to borrow responsibly. Some common use cases include:

1. Homeowners planning renovation or repair projects

2. Parents financing their child's higher education

3. Professionals seeking funds for skill development or certification

4. Individuals managing medical emergencies or unplanned expenses

5. Borrowers looking to consolidate multiple debts into a single, structured loan

The calculator is especially useful for first-time borrowers who may be unfamiliar with how income and expense ratios affect loan eligibility.

How to apply for the Bajaj Finance Personal Loan

The personal loan application process is simple and can be completed online in just a few minutes:

1. Applicants can begin by visiting the Bajaj Finance website and navigating to the Personal Loan page.

2. They are required to enter their desired loan amount and preferred repayment tenure.

3. Once the details are filled in, applicants can click on "CHECK LOAN OFFER" to proceed.

4. They will then need to provide their personal, financial, and employment details as prompted.

5. Applicants can review the available loan offer presented to them based on their profile.

6. They are then required to complete their KYC verification as part of the process.

7. Bank account details must be verified at this stage to facilitate disbursal.

8. Finally, applicants can submit their application to complete the process.

Understanding the interest rate

The Bajaj Finance Personal Loan interest rate ranges from 10% to 30% per annum. The actual rate offered to an applicant may vary depending on factors such as:

1. Credit score and credit history

2. Monthly income and employment stability

3. Existing financial obligations

4. Loan amount and repayment tenure selected

Borrowers are advised to check their credit report before applying, as a strong credit profile can result in more favourable terms.

Why planning before borrowing matters

It is important to assess loan affordability before applying. Borrowing more than one can comfortably repay can lead to missed EMIs, credit score damage, and long-term financial stress.

Tools such as the Bajaj Finance Personal Loan Eligibility Calculator can help borrowers estimate their eligibility in advance, providing greater clarity during the decision-making process. Understanding potential eligibility before applying allows individuals to set realistic expectations, compare financing options, and plan repayments more effectively.

As personal loans continue to be a popular financing option for a wide range of needs, eligibility assessment tools can play an important role in helping borrowers make informed and responsible borrowing decisions.

*Terms and conditions apply.

*Disbursal timelines and loan eligibility are subject to lender assessment and document verification.

About Bajaj Finance Ltd.

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. It 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.

Bajaj Finance Personal Loan

Bajaj Finance Personal Loan is designed to address that gap, with loan amounts from Rs. 40,000 to Rs. 55 lakh, repayment tenures stretching up to 108 months, and a fully digital application process that puts funds in the borrower's account within 24 hours* of approval. * Here is what that means in practice.

Repay over 9 years — and breathe every month
Most personal loan products cap repayment at 5 years. Bajaj Finance extends that to 108 months — 9 full years, giving borrowers the ability to meaningfully reduce their monthly EMI burden without paying down the loan faster than their income allows.

To put numbers to it: a Rs. 5 lakh loan at 14% per annum over 60 months carries an EMI of roughly Rs. 11,634. Spread the same loan over 84 months and that drops to approximately Rs. 9,117. The loan costs more over its lifetime — but for a household managing finances on a fixed monthly income, that Rs. 2,500 difference is rent, groceries, or a child's school fee. The right tenure isn't always the shortest one. It is the one that fits the borrower's actual cash flow.

Know the EMI before applying — Not after
Bajaj Finance Personal Loan EMI calculator allows borrowers to model their monthly obligation before submitting a single document. By entering the desired loan amount, tenure, and applicable interest rate, the calculator returns the exact monthly EMI, total interest payable, and total repayment amount.

This matters because most borrowers make loan decisions based on the headline loan amount, not the true cost of credit. Seeing the full repayment figure upfront — interest included — is what separates an informed borrowing decision from a regrettable one. Financial advisors generally recommend running at least two scenarios: one with the shortest tenure manageable comfortably, and one with the longest. The difference reveals exactly what flexibility costs — and whether it is appropriate for a given financial situation.

Interest rates: 10%–30% p.a. — Eligibility determines where borrowers land
Bajaj Finance Personal Loan interest rates range from 10% to 30% per annum (indicative range, subject to eligibility assessment and prevailing rates at time of application). Where a borrower lands within that range depends primarily on three factors: CIBIL score, income stability, and existing debt obligations relative to income.

Salaried or self-employed applicants with a CIBIL score above 650, a stable income history, and low existing EMI commitments typically qualify for lower interest rates. Self-employed individuals or those with shorter credit histories may be offered higher rates due to income variability. Checking one’s CIBIL score before applying is recommended, as a stronger credit profile directly influences the interest rate offered.

Rs. 40,000 to Rs. 55 Lakh — Matched to actual financial needs
The loan range is wide enough to cover nearly any personal financial requirement. A Rs. 40,000–Rs. 2 lakh loan covers emergency medical expenses, urgent home repairs, or a short-notice travel requirement. A Rs. 2–10 lakh loan handles wedding costs, higher education fees, or a significant home renovation. A Rs. 10–55 lakh loan is suited to larger financial needs — full home interiors, major surgeries, or a significant business investment.

Because the loan is unsecured — no collateral or guarantor required — access does not depend on the assets a borrower owns. Eligibility is assessed on income and creditworthiness, making the product accessible to a broader range of borrowers, including those without property to pledge.

Fully digital application — No branch visit required
The application process is entirely digital for both salaried and self-employed applicants. Borrowers are required to submit standard KYC documents such as Aadhaar, PAN, and additional identity proof where required, along with income documents — salary slips or bank statements for salaried applicants, and ITR with business financials for self-employed borrowers. Address proof may include utility bills, phone bills, piped gas bills, property or municipal tax receipts, pension orders, or employer accommodation letters. A real-time photograph and employee ID card may also be required. Eligible applicants can complete the process in a single sitting, with quick approval for profiles meeting standard criteria.

Funds disbursed within 24 Hours*
Once verification is complete and the loan is approved, disbursement typically occurs within 24 hours*. For time-sensitive requirements — a hospital admission deposit, a vendor advance for a wedding booking, or a school fee deadline — that turnaround can be decisive.

Bajaj Finance recommends that borrowers use the EMI Calculator to confirm repayment comfort before accepting a loan offer. Borrowing within one's repayment capacity — not just the eligibility limit — is the responsible starting point for any personal finance decision.

*Terms and conditions apply. Interest rates are indicative and subject to change. Loan approval and disbursement timelines are subject to verification and eligibility.

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. It 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.

Tide, the UK’s leading business management platform, today announces it has crossed 2 million members globally, with India in particular seeing strong growth. More than 1.1 million small businesses joined Tide in India since the company launched there in December 2022. This makes India Tide’s fastest-growing market by member acquisition.
 

The UK is Tide’s home market, with 900,000 SMEs, 15% market share, and the majority of the company’s revenue. Tide is steadily expanding its presence in Europe, with Germany and France, where the platform is gaining strong traction, thanks to millions of small businesses turning to digital to manage their businesses.
 

In late 2025, Tide received a strategic investment from TPG, a leading global alternative asset manager, valuing the company at $1.5 billion.
 

Oliver Prill, CEO of Tide, said, “We are delighted to be crossing the 2 million member milestone. This number is a testament to the trust that our members place in us in all our markets. Behind every number, there’s a story of a member choosing a simpler, less time-heavy, connected way of managing their business."
 

“This success is also thanks to the passion our teams bring to their role every day. From our world-leading 900-strong product engineering teams, to operations, marketing and support functions; a commitment to excellence and agility has brought us to this point. India’s growth in member numbers is phenomenal, and shows how getting the product-market fit right when considering new markets is crucial. We’ll continue to expand both internationally and provide a richer and more connected product offering, ensuring we focus at all times on our mission to save members time and money.”
 

India: Powering Tide’s global growth story

India has emerged as a key growth engine for Tide, contributing over 1.1 million members to its global base in just over two years since launch. This rapid adoption underscores the scale of opportunity in one of the world’s largest SME ecosystems, with over 72 million registered and an unofficially estimated 140 million informal businesses.
 

Growth in India is being driven not just by metros, but increasingly by tier 2 and 3 cities. Emerging hubs such as Bareilly, Bhopal, Murshidabad, Mysuru, Lucknow and North 24 Parganas are leading the shift, highlighting how entrepreneurial activity is steadily expanding beyond urban centres. This shift reflects a broader movement towards greater financial inclusion and formalisation, as entrepreneurs there look to build more structured, scalable businesses.
 

Tide is playing a key role in this transition by simplifying access to essential services such as Udyam and GST registration and lending — enabling small businesses to build a financial footprint, improve access to credit, and unlock growth opportunities.
 

Gurjodhpal Singh, CEO, Tide India, said, “This milestone goes beyond a number, it reflects the strong momentum we are building in India. With over 70% of our members under the age of 35, we are witnessing a new generation of digital-first entrepreneurs shaping the future of business in India. What we are seeing on the ground is a strong shift towards digital adoption and formalisation, especially beyond metros, where access to the right tools can make a meaningful difference. Tide’s growth in India reflects this demand and further underscores our deep connection with the ‘Bharat’ growth story. India is also emerging as a key hub for product innovation at Tide, with solutions built here creating scalable use cases for global markets. As we continue to grow, our focus remains on building intuitive financial and administrative tools that enable MSMEs to operate more efficiently and scale with confidence.”
 

Highlights:

Product pipeline, International expansion and the future

• Product pipeline: Growth is driven by our product offering and relentless ambition to solve SME problems. Tide’s all-in-one business management platform provides members with access to government registrations, time-saving accounting and administrative tools, and integrated team management features. It also offers fixed deposits, affordable credit, seamless payment solutions, bill payments, and website building. Tide’s objective is to deliver integrated solutions that address the core needs of small businesses, from inception to growth.

• UK: More than 900,000 members, and 15% market share, against a backdrop of 5.2m small businesses, make Tide the leading business management platform. The focus is on diversification and connectivity, with products that are admin and business friendly.

• Europe: Bringing the full richness of Tide’s UK platform to each of its international markets over time. Tide is also looking to further expand its presence on the European mainland. Following the entry of Germany the previous year, Tide entered France in late 2025. Tide’s Credit Intermediation is leading initial growth in these two EU markets with over EUR 50 million already disbursed. Tide recently announced the establishment of its European headquarters in Luxembourg.

• AI: Tide is leveraging AI to generate growth in regulated environments, using its large, proprietary SME dataset to gain real-time insights within a strong risk framework. This data advantage enables it to build practical, scalable AI tools that solve everyday small business challenges, such as access to finance.

• Tideans: Strengthening its leadership and OneTeam

• Bernie Miles joined as Chief Data and Technology Officer (CDTO) in 2026, providing a major boost to Tide’s Executive Team. 

• Dan McNally joined as SVP and CEO of Tide Insurance Services in late 2025, to lead its growing global insurance business and advance the next phase of Tide’s expansion into business protection. 

• Marc Lacroix joined as Country Managing Director for France in mid-2025, to launch Tide in France, with a view to building a team on the ground. 

• More than 2,800 employees and rising; largely in the UK; India, Germany, France, Bulgaria, Luxembourg, Lithuania, and Serbia.

• Women in Business: Dedicated to supporting female-led businesses in the UK and India, with a goal to onboard 700,000 women by the end of 2027 - 200,000 in the UK and 500,000 in India. Two Tide owned reports in India and in the UK in 2025 highlighted the challenges and opportunities for women in business. Women currently account for 22% (more than the national average) of members, the company strongly believes that supporting women business owners is a powerful lever of economic growth.

• Continued commitment to Net Zero: Using carbon removals to match all Scope 1, 2, and 3 emissions, a practice maintained since 2022. Tide is also firmly on track to reduce CO2e emissions per employee by 90% by 2030, and by doing so to also reduce emissions by revenue by 97%. Tide is now working to make the transition to net zero easier for its members by providing integrated tools and support to help them achieve their goals.
   

About Tide

Launched in 2017, Tide is the leading business management platform in the UK. Tide helps small businesses save time and money by not only offering business accounts and related admin services, but also a comprehensive set of highly usable and connected administrative solutions from invoicing to accounting and adjacent commercial services such as web-site building.
 

Tide has 900,000 SME members in the UK (15% market share) and more than 1.1m SMEs in India. Tide launched in Germany in May 2024 and France in September 2025. Tide has also been recognised with the Great Place to Work certification three years in a row. Tide has been funded by Anthemis, the Apax Digital Funds, Augmentum Fintech, Creandum, Salica Investments, Latitude, LocalGlobe, SBI Group, Speedinvest and TPG, amongst others. 
 

It employs more than 2,800 Tideans worldwide. Tide’s long-term ambition is to be the leading business management platform globally.

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¹Tide is not a bank in India, but a business financial platform. Tide, in the UK is the leading digital platform in business banking services. We believe that a platform approach is the future of business and admin needs, allowing us to offer both financial and admin services to SMEs, saving them time (and money) to allow them to focus on what they love: running their businesses.

Paisabazaar, India’s leading financial marketplace and largest free credit score platform, announced the launch of a new integrated brand campaign for the Credit Premier League (CPL) featuring former Indian cricketer and commentator Irfan Pathan.

CPL is Paisabazaar’s marquee initiative aimed at recognising and rewarding consumers with strong credit health

CPL is Paisabazaar’s marquee initiative aimed at recognising and rewarding consumers with strong credit health, while making conversations around credit score more mainstream. Building on Paisabazaar’s decade-long efforts to drive credit awareness through its free credit score initiative, CPL combines engagement, gamification and rewards to encourage consumers to actively track, understand and improve their credit score.

Watch the Campaign: 

• www.youtube.com/watch?v=eL2J51MtgEo

• www.youtube.com/watch?v=sYImmk_eU6Y

The new campaign, featuring Irfan Pathan, uses a fun, high-energy, and engaging creative approach to combine the excitement of cricket with awareness around responsible credit behaviour. It was conceptualised by Magic Circle and shot by Emotion Pictures. The campaign will be amplified through a multi-platform rollout across television, digital and social media.

Speaking on the association, Irfan Pathan said, “Discipline, consistency and performance matter in cricket — and the same goes for your credit score. Excited to collaborate with Paisabazaar on CPL, a unique initiative that combines competition, rewards and awareness to make conversations around credit score more engaging. I loved being part of this fun, high-energy campaign that puts credit health in the spotlight like never before. Hopefully, it encourages more Indians to track, understand and improve a score that truly matters.”

Speaking about the campaign, Santosh Agarwal, CEO, Paisabazaar, said, "At Paisabazaar, our focus has always been on making credit score more accessible and engaging for consumers. With CPL, we bring together the energy of sport, entertainment and rewards to further scale this awareness initiative. Our exciting new collaboration with Irfan Pathan should help us take our campaign up further notches and drive deeper consumer engagement around credit score across the country."

The latest edition of CPL offers rewards bigger than ever before. Individual(s) with the highest credit score in the country will win Rs. 1 lakh, while champions from each state will receive Rs. 10,000 each. In addition, all participants from the winning state — the state with the highest average credit score — will also be rewarded.

Consumers can participate in CPL by checking their free credit score on the Paisabazaar app and platform.

About Paisabazaar

Paisabazaar, a part of PB Fintech (listed since 2021), is India’s largest marketplace for consumer credit and free credit score. Over the last 11 years, Paisabazaar has earned the trust of over 55 million consumers. Paisabazaar has built 65+ partnerships withBanks, NBFCs, and fintechs to offer a broad range of credit products. Paisabazaar is ISO (27001:2013) and PCI DSS certified organisation, with industry-best controls, to safeguard the best interest of consumers.

Skip the guesswork and let GoCredit AI map out your personalized, high-impact path to an excellent credit score

Today, that changes.

GoCredit’s deep-tech research division TARA AI Labs has released BASIC — Behavioural Analytics for Score Improvement in Credit. It is an AI engine built to do something no Indian credit tool has done before: read your actual credit report and tell you, specifically, what to do next. Not generic tips. A personal plan, built from your own credit data, that shows exactly which actions will move your score, by how much, and in what order.

The full framework is published as a research paper at taralabs.ai/paper/basic-paper. To our knowledge, it is the first research paper in India to treat credit score improvement as its own machine learning problem. The paper introduces a new field of study — Behavioural Credit Analytics — focused on turning AI insight into measurable consumer benefit.

The 300 Million Indians the System Forgot
India has over 300 million credit-active consumers. Most of them sit in the middle. Not chronic defaulters. Not prime borrowers. They sit in a near-prime band where a 50-point swing in their credit score is the difference between a loan at 12% and a loan at 22%. The difference between approval and rejection. The difference between buying a two-wheeler this month or waiting another year.

These are gig workers in Bengaluru. Self-employed shopkeepers in Indore. Salaried professionals in Tier 2 and Tier 3 cities whose financial lives don’t fit the templates that credit scoring models were built for. They check their score every month on an app. They see the number. They feel the weight of it. And they have nowhere to turn for a real plan.

“Credit scores answer one question well — where are you? They were never designed to answer the next one: how do you move? We see this every day. People come to us with scores of 580, 620, 650 — not because they’re irresponsible, but because nobody has shown them how to move. Until BASIC, nobody was giving these borrowers a real, personalised plan to fix their financial future. That’s what we set out to change,” said  Anupam Acharya, Co-founder and CEO of GoCredit.

What’s Different About BASIC
Until now, an Indian consumer with a low credit score had three options. Generic advice from public websites. Paid credit counsellors who couldn’t see their actual report. Rule-based simulators that gave the same answer to everyone, regardless of profile.

None of these produced a real, personal plan. None of them could tell a specific borrower with a specific credit profile what to do, in what order, to gain the most points in the least time. That is what BASIC does — and as far as we know, no one has done it before in India.

So what makes BASIC work? Most credit models look only at where you are today. BASIC looks at where you are, where you’ve been, and how fast you’re moving — for every part of your credit profile. Trained on the credit histories of more than a million Indian borrowers over four years, BASIC can predict your next-month credit score with an average error of just 16 points. On the 300–900 credit score scale, that is under 2.2% off. Standard deep-learning models trained on the same data are about four times less accurate.

“A credit score isn't just where you are today - it's where you're heading. Most score simulators miss this: they look at your current credit attributes in isolation, when bureau algorithms are actually responding to how those attributes are changing over time. We trained BASIC on the rate of change alongside the current value, which is the temporal structure the bureaus actually reward. That's why the recommendations move scores instead of just describing them,” said Pranav Murali, Co-founder and Lead AI Engineer at GoCredit.

Already Used by Over 2 Lakh Indians
This is not a research preview. BASIC is already live on the GoCredit Android app, where it powers a feature called Credit Score Boost — used by over 2 lakh Indians so far.

Among the 50,000 monthly active paying subscribers, 10,000 — one in five — have improved their credit scores by 50 points or more within two months of actively following BASIC’s recommendations.

For these 10,000 borrowers, that 50-point gain is not abstract. For someone near the prime threshold, it can be the difference between a loan rejection and an approval. It can mean an EMI at 12% instead of 22%. For many, it is the first time their credit score has moved in their favour in years — and the first time anyone has shown them how to make it happen.

“We meet borrowers every day who tell us they’ve been trying to fix their score for two or three years and getting nowhere. Two months later they show us their app and the number has moved up by 60, 70, 80 points. That moment — when a borrower realises they’re not stuck, that the system isn’t a black box anymore — that’s why we built this,” said Anupam Acharya, Co-founder and CEO of GoCredit.

Now Opening to Lenders: The ScoreBoost API
TARA AI Labs is also announcing today that the same engine is now available to financial institutions through the ScoreBoost API. The API is live with select pilot partners.

For the first time, a lender selling a loan, credit card, or BNPL product can show a borrower — right at the point of sale — how that product will affect their credit score over the next 6 to 12 months. A consumer comparing two credit cards can see, before signing up, which one is more likely to help their score and which one might hurt it. A lender offering a secured loan can show the borrower exactly how the product fits into their improvement journey.

“Indian lenders today sell loans without showing customers the consequence on their credit profile. That information asymmetry has been one of the most under-discussed problems in retail lending. ScoreBoost API closes it. A lender can integrate our engine and tell a borrower: here is what this product will do to your credit score. It changes the conversation from ‘do you qualify?’ to ‘is this the right product for where you’re trying to go?,” said Shubham Arawkar, Co-founder and CTO of GoCredit.

ScoreBoost API is currently in pilot with select NBFCs and digital lending platforms. Broader availability will be announced later in 2026.

Privacy and Regulatory Architecture
BASIC works only on consumer-consented credit data, accessed through official APIs under the consumer-initiated credit information report framework of the Credit Information Companies (Regulation) Act, 2005. All data handling also complies with India’s Digital Personal Data Protection Act, 2023. No bank account access, no SMS reading, no invasive data collection — by design.

BASIC is deployed strictly as a consumer-facing advisory system. Its outputs are not routed — through any production pathway — into GoCredit’s lending decisions, underwriting models, or partner lenders’ scoring engines. The advisory model and the lending stack are operationally separated systems.

“A model trained to help consumers improve their scores shouldn’t simultaneously be used to judge them. We enforce that separation operationally — BASIC’s outputs have no production pathway into any lending decision engine, ours or anyone else’s,” said Shubham Arawkar, Co-founder and CTO of GoCredit.

Availability

• Credit Score Boost is available now on the GoCredit Android app at INR 199/month.

• ScoreBoost API is in pilot with select financial institutions; institutional partners can request access at research@taralabs.ai.

• The full BASIC research paper is available at taralabs.ai/paper/basic-paper.

About TARA AI Labs
TARA AI Labs is the deep-tech research division of GoCredit, focused on responsible AI for credit and financial empowerment in emerging markets. The lab publishes research on credit modelling, applied AI on financial data, and consumer-centric AI design. taralabs.ai.

About GoCredit
GoCredit is an AI-powered personal finance platform helping Indians access credit and improve their financial health, with over INR 120 crore in loan disbursals facilitated across 50+ RBI-regulated lending partners. gocredit.money.

Anand Balaji, Co-founder and CEO, Xflow 

This solution allows stable-native platforms and cross-border payment providers to offer stablecoin acceptance as a payment method for their customers without the platforms or their customers holding, managing, or taking custody of stablecoins. The stablecoin leg stays entirely outside India. Only fiat enters India, via an AD Category I bank, with full compliance documentation.

A growing set of global businesses are making payments in stablecoins. For Indian MSMEs, service exporters, SaaS companies, this has created a barrier as there is no compliant mechanism to accept stablecoin payments for trade transactions and bring them into India. Xflow has heard directly from Indian businesses that have lost customers because of this gap. To address this, Xflow has partnered with overseas licensed player to accept and off-ramp stablecoins on behalf of Indian businesses, entirely outside India, and then bring the resulting funds into India through traditional, regulated fiat rails. 

"Indian businesses should not be losing business because their international customers want to pay in stablecoins. Building a seamless & compliant money-movement infrastructure for exporters is exactly what Xflow is here to do. We are quite excited about this release and have initially rolled this out to select platforms, giving their users the best of both worlds by supporting stablecoin transactions compliantly," — Anand Balaji, Co-Founder, Xflow.

Platforms that already offer stablecoin wallets to customers - enabling them to receive payments from end-users - can now compliantly bring those payments into India. Xflow's cross-border stack handles the entire off-ramp and settlement flow, so platforms can offer their customers a complete stablecoin-to-INR solution without building compliance infrastructure themselves. Xflow will soon roll this pilot out to all stable native platforms.

About XFlow
The 21st century world of international commerce is hobbled by a 20th century experience for cross border payments. XFlow is a financial services and infrastructure company that wants to dramatically upgrade the cross border payments experience for businesses of all sizes - from freelancers to mid-market enterprises and all the way to large platform enterprises servicing millions of customers. XFlow’s name reflects its mission - cross-border payments that flow smoothly and transparently. XFlow is built and run by payments industry veterans, Anand Balaji and Ashwin Bhatnagar, bringing together deep payment industry experience and rich technology domain expertise. XFlow enjoys solid financial footing and is funded by leading international investors, including Lightspeed, General Catalyst and Stripe.

For more information, visit: www.xflowpay.com

Paisabazaar, India’s leading financial marketplace and free credit score platform, is strengthening its phygital strategy with a focussed expansion into South India. Paisabazaar will open retail stores across the region, with the first store coming up in Chennai’s T Nagar, one of the busiest commercial hubs, in the first week of May. This will be followed by two stores in Mount Road and Velachery in Chennai.

The expansion of its physical stores is in line with Paisabazaar’s focus on reaching new consumers—particularly small business owners, a credit-starved segment—and enabling easier access to credit. In the next phase, Paisabazaar will enter the Bengaluru market with three stores.

Paisabazaar is building its offline expansion in South India on the success of its retail stores in Delhi-NCR which it opened last year. Paisabazaar plans to open 100 stores across key markets including Mumbai, Delhi/NCR, Bengaluru, Chennai, Hyderabad and other major metros across India.

Santosh Agarwal, CEO, Paisabazaar, said, “As a platform, we have served consumers across 860 cities across India. With our expansion of retail stores, we aim to extend this reach through a physical presence as well—especially for consumers who are less comfortable navigating digital journeys and value expert guidance. Our stores will play a key role in providing that support while retaining the transparency and choice of our platform.”

These retail stores offer consumers a personalised experience to help them access the right products and best offers, across business loans, personal loans, home loans and credit cards along with expert advice to help strengthen credit profiles.

“For first-time borrowers, an in-person experience provides reassurance and confidence. This is especially important for products like home loans and business loans, where the processes are more complex and documentation is heavier. Our phygital model is designed to provide this balance — offering speed and choice digitally, plus trust and guidance physically. We see this as a catalyst for bringing more Indians into the ambit of formal credit,” Santosh Agarwal said.

Additionally, Udyam registration, GST registration, and GST filing services will also be available across all these retail stores. These services are aimed at self-employed individuals, who often face challenges arising from inadequate documentation, insufficient financial records, and limited familiarity with digital channels.
 

About Paisabazaar
Paisabazaar, a part of PB Fintech (listed since 2021), is India’s largest marketplace for consumer credit and free credit score. Over the last 11 years, Paisabazaar has earned the trust of over 55 million consumers. Paisabazaar has built 65+ partnerships withBanks, NBFCs, and fintechs to offer a broad range of credit products. Paisabazaar is ISO (27001:2013) and PCI DSS certified organisation, with industry-best controls, to safeguard the best interest of consumers.

Razorpay Integrates UPI Payments Directly into OpenAI Codex

This means builders can now move from an idea to a product that earns revenue in minutes. Instead of spending days setting up payment systems, developers can simply ask AI to add payments while building their app, powered by Razorpay’s MCP Server.

India is already home to one of the world’s largest developer communities and processes over 20 billion UPI transactions every month. As AI changes how software is built, this integration ensures that the products developers create can start earning from day one.

How it works → From Idea to Payment in a Single Prompt

By enabling the Razorpay MCP integration, developers can instruct Codex by describing the product they want to build and how they want to charge for it.

For example, a developer could say, “Build me an AI-powered fitness coaching app and help me collect payments from my users via Razorpay,” into Codex, which will generate an app and automatically set up Razorpay’s payment gateway to handle payments (checkout flows and payment collection automatically).

For student builders, solo founders, and early-stage startups, this removes one of the biggest hurdles to launching a product - that is, setting up payments. Builders can now go from idea to product to revenue without complex setup or building any payment infrastructure.

Managing Payments with AI - Inside ChatGPT

Beyond Razorpay’s collaboration with OpenAI on Codex, Razorpay is also bringing payments management directly into ChatGPT. Businesses can install Razorpay’s App from the ChatGPT app directory and manage payments, etc., simply by asking questions.

For example, a business could ask the system to match payments with their bank statement, check refund status, or track settlements - all through a simple conversation.

“India is entering a moment where anyone with an idea can build a product in hours with AI,” said Shashank Kumar, Co-founder and MD of Razorpay. “But the real shift happens when those ideas can become businesses instantly. Our vision is simple: if AI makes it effortless to build, Razorpay should make it effortless to earn. By bringing Razorpay directly into Codex, we’re paving the way, i.e., the moment a developer creates something valuable, they can start charging for it right away. The next generation of startups won’t begin with funding or infrastructure - they’ll begin with a prompt. And when that prompt turns into a product, Razorpay will be there to power the transaction behind it.”

Oliver Jay, Managing Director, International, OpenAI, said, “Codex is helping developers turn prompts into working software in minutes, and we’re seeing strong growth in adoption in India. In February, weekly users for the tool increased by 4x in just two weeks. Integrating Razorpay directly into Codex means builders can now go from idea to product to revenue in a single workflow, and we’re excited to see how this will impact the builder community.”

This launch builds on Razorpay’s broader vision to power the next generation of AI-driven commerce. Through its ongoing work with OpenAI and the National Payments Corporation of India, Razorpay has also introduced agentic payments in India during the Global Fintech Fest last year - enabling AI systems to securely initiate and complete financial transactions on behalf of users.

Together, these efforts reflect a simple vision: as AI makes it easier for anyone to build, Razorpay is making it just as easy for them to earn.

GoCredit's AI Loan Agent aims to automate the complete loan application journey for borrowers

GoCredit has facilitated over Rs. 100 crore in loan disbursals, generated more than 15 million loan offers, and served over 2 million borrowers across 55+ lending partners.

A New Chapter in India's Credit Evolution

India's lending ecosystem has undergone a remarkable transformation over the last decade. Deliberate regulatory design by the Reserve Bank of India — from the Co-Lending Model framework to Digital Lending Guidelines to the Account Aggregator infrastructure — has enabled a sophisticated system where banks provide low-cost capital and NBFCs deploy data-driven underwriting to reach borrowers that traditional banking infrastructure cannot serve alone.
 

GoCredit's AI Loan Agent represents the next step in this evolution: bringing the same intelligence and efficiency to the borrower's side of the transaction.

What the Loan Agent Does

Today, a borrower seeking a personal loan typically downloads multiple apps, re-enters the same details on each, and triggers separate hard inquiries on their bureau report with every application — negatively impacting the very credit score they need to qualify. The act of seeking credit makes it harder to get credit.

The AI Loan Agent, live on the GoCredit platform, eliminates this cycle. The borrower describes their requirement once. The agent identifies the best-fit lender and submits a single consent-based application. No duplicate forms. No scattershot inquiries. The borrower's credit identity stays protected. While the Loan Agent currently lives on GoCredit platform, the company's longer-term vision is to make this intelligence layer available across the broader lending ecosystem.

The agent lives with GoCredit's first lending partner, processing applications daily. Additional integrations are rolling out in monthly waves through 2026.

"RBI has built the regulatory architecture that lets India's lending system work brilliantly at the institutional level — banks providing capital, NBFCs providing intelligence, frameworks like Co-Lending making the connection seamless. What's been missing is someone on the borrower's side. The Loan Agent is our answer: an AI that represents the borrower inside this system, not just another app that makes them navigate it alone." - Anupam Acharya, Co-Founder & CEO, GoCredit.

What This Means for Borrowers and Lenders

For borrowers, the Loan Agent changes the economics of seeking credit. Instead of downloading multiple apps and absorbing hard inquiry damage across scattered applications, the borrower makes one informed decision through a single conversation. The agent handles profile assessment, lender matching, and consent-based application submission — replacing a process that typically takes days and costs the borrower credit score points with one that takes minutes and costs them nothing.
 

"We designed the agent on consent-based automation — no proprietary API dependency on any lender, no bilateral integration per partner. That architecture is what lets us onboard new lending partners in days instead of quarters, and it's how we'll scale to fifty partners without the system collapsing under its own complexity." - Shubham Arawkar, Co-Founder & CTO, GoCredit.

For lenders, the agent delivers pre-qualified, consent-verified, high-intent borrowers — matched to their specific approval criteria before the application is submitted. Early production data shows a 25 per cent improvement in conversion from offer click to KYC completion, driven by the agent's ability to match borrowers to the right lender before the journey begins. With full roll-out across lending partners, GoCredit projects a significant boost in application-to-disbursal conversion — translating directly into lower operational costs per loan for lenders. Fewer wasted credit pulls, fewer abandoned applications, fewer resources spent on borrowers who were never going to qualify.

The Next Evolution of the Loan Journey

The Indian loan journey has evolved in distinct phases. The first era brought applications to bank branches. The second moved them to apps — digital forms, aggregators, instant pre-approvals. Each phase reduced friction but kept the borrower as the one doing the work.
 

"The core challenge was building a system that can assess a borrower's profile, match it against multiple lenders' criteria, and submit a fully compliant application, all while keeping it cost-effective at scale and making the experience feel human. A borrower applying for a loan is already stressed. The agent had to feel like a friend helping them through paperwork, not another system throwing forms at them. Making that work with real users and real money is where the actual engineering went." - Pranav Murali, Co-Founder & Lead AI Engineer, GoCredit.

AI loan agents represent the next leap: the era where applications disappear altogether. The agent doesn't digitise the old journey — it replaces it with a fundamentally different interaction. One conversation, intelligent matching, consent-based automation, and an outcome that benefits the entire ecosystem — borrowers get better terms, lenders get higher-quality applicants, and the credit system operates more efficiently at every layer.

GoCredit is an AI Powered credit platform now with a 55+lender marketplace serving millions of Indian borrowers.

About GoCredit

GoCredit is a financial intelligence platform for India's middle class. The company has facilitated over Rs. 100 crore in loan disbursals, generated more than 15 million loan offers for over 2 million borrowers, and integrated 55+ lending partners — built by a five-member founding team. GoCredit's product suite includes India's first AI-powered Loan Agent and AI-driven credit score forecasting. The company's R&D division, TARA AI Labs, publishes research on behavioural credit modeling and responsible AI in the fintech domain.

Website: gocredit.money

PayU, a leading diversified fintech platform, has today announced the launch of its AI-Powered Outbound Voice Call Assistant, marking a key step in its broader strategy of becoming an AI-native organization across the merchant lifecycle.

PayU’s AI-powered voice agent engages, verifies, and onboards merchants through natural conversational interactions in English and Hindi, with plans to scale across multiple languages

Merchant onboarding has traditionally been a cumbersome and time-consuming process, involving extensive paperwork, KYC verification, and multiple activation steps, often leading to delays, friction, and merchant drop-offs.

To address these challenges, PayU’s AI-powered Voice Call Assistant proactively engages merchant leads, especially those who have not initiated their onboarding journey. Through natural, conversational interactions in English and Hindi, the assistant guides merchants through the onboarding process while capturing essential business information such as website details, expected revenue, and business category. This enables faster verification, improved lead qualification, and significantly reduces drop-offs by connecting merchants with the right support at the right time, while enabling seamless handover to account managers for timely human intervention.

“We’re entering an era where Voice AI is becoming a core driver of how businesses operate and grow,” said Manas Mishra, Chief Product Officer, PayU and Wibmo. “At PayU, we are steadily building an AI-native platform where merchants remain at the center of every innovation. Our AI-Powered Outbound Voice Call Assistant is one example of how we are removing friction across the merchant lifecycle, from onboarding to activation and beyond, while enabling our teams to focus on deeper, high-impact engagement.”

PayU further intends to expand Voice AI deployment to additional merchant touchpoints, including KYC drop-off recovery, activation workflows, new product requests, and cross-sell opportunities and scale it across multiple languages to serve a broader merchant base.

About PayU

PayU, India's leading diversified fintech platform with Prosus as an investor, operates businesses that are regulated by the Reserve Bank of India and offers advanced solutions to meet the digital financial services needs of customers (merchants, banks, and consumers). 
 

PayU provides payment gateway solutions to online businesses through its cutting-edge and award-winning technology and has empowered 4.5 lakhs+ businesses, including India’s leading enterprises, e-commerce giants and SMBs. It enables businesses to collect digital payments across 100+ online payment methods such as Credit Cards, Debit Cards, Net Banking, EMIs, pay-later, QR, UPI, Wallets, and more. It’s a preferred partner in the affordability ecosystem, offering the maximum coverage of issuers and easy-to-implement integrations across card-based EMIs, pay-later options and new-age cardless EMIs. PayU offers e-commerce brands best-in-industry success rates while ensuring a seamless checkout experience.

Get the upcoming Samsung Galaxy Z Fold 8 on Bajaj Finserv Easy EMI loan and enjoy hassle-free, budget-friendly payments

Once the phone is launched in India, you can get your hands on the Samsung Galaxy Z Fold 8 without stretching your finances by shopping from a Bajaj Finserv partner store. With more than 1.5 lakh partner stores located in 4,000+ cities, accessibility and affordability are two things you can expect. Easy EMI plans let you split the cost of the smartphone into affordable instalments, spread over 1 to 60 months.

Samsung Galaxy Z Fold 8 — The future of foldables

The Galaxy Z Fold 8 is expected to retain its predecessor’s display setup — an 8-inch main screen and 6.5-inch cover. It will also feature a larger 5,000 mAh battery, ensuring all-day power in a slim foldable design.

Expected specifications:

• Display: 6.5-inch Full HD+ Dynamic AMOLED 2X 120 Hz cover display; 8-inch QXGA+ Dynamic AMOLED 2X 120 Hz main display

• Processor: Qualcomm Snapdragon 8 Elite Gen 5

• RAM: 12GB/16GB LPDDR5X

• Storage: 256GB/512GB/1TB UFS 4.1

• Rear cameras: 200MP main (OIS) + 50MP ultrawide + 10MP telephoto

• Front camera: 10MP cover; 10MP main

• Battery: 5,000 mAh with 45W fast charging support

• OS: Android 16

• Build: IP68 dust and water resistance

Display — Same premium panels, upgraded experience

The Galaxy Z Fold 8 is expected to feature an 8-inch QXGA+ Dynamic AMOLED 2X 120 Hz main display and a 6.5-inch Full HD+ Dynamic AMOLED 2X 120 Hz cover display. Together, these panels deliver immersive visuals and excellent colour accuracy.

Display highlights:

• Up to 120 Hz refresh rate

• High peak brightness for outdoor readability

• Corning Gorilla Glass protection

Imaging system — A major ultrawide upgrade

The most significant camera upgrade on the Galaxy Z Fold 8 comes in the ultrawide department with a 50MP ultrawide lens. Combined with the 200MP main sensor with OIS and 4K video recording, this makes the Galaxy Z Fold 8 one of the most capable camera systems ever fitted into a foldable.

Camera highlights:

• 200MP main sensor with OIS for stable, detailed shots

• 50MP ultrawide — up from 12MP on the Galaxy Z Fold 7

• 10MP telephoto for versatile zoom

• 4K video recording support across all lenses

Performance — Cutting-edge chip built for the Fold

The Samsung Galaxy Z Fold 8 is rumoured to be powered by the Qualcomm Snapdragon 8 Elite Gen 5 chip, optimised specifically for the Galaxy Z Fold series. This translates to snappier performance, better power efficiency, and smoother multitasking across the large foldable canvas.

Performance highlights:

• Qualcomm Snapdragon 8 Elite Gen 5 chipset

• Up to 16GB LPDDR5X RAM

• Up to 1TB UFS 4.1 storage

• 5G connectivity support

Battery — Game-changing capacity in a slim body

The shift to a 5,000 mAh battery is one of the most talked-about upgrades of the Galaxy Z Fold 8. Samsung is expected to use silicon-carbon battery technology, which offers higher energy density than standard lithium-ion cells — enabling a larger battery without adding bulk.

Battery highlights:

• 5,000 mAh silicon-carbon battery

• 45W fast wired charging — up from 25W on the Galaxy Z Fold 7

• Wireless charging support

• Optimised battery management through One UI

Design — Slim, creaseless, and built to impress

The Galaxy Z Fold 8 is expected to measure just 4.5 mm when fully opened, with a creaseless display and a carbon-fibre back panel that keeps it lightweight without compromising durability. IP68 dust and water resistance is also expected to be retained.

Design highlights:

• Carbon-fibre back panel for a lightweight, durable build

• 4.5 mm slim profile when unfolded

• Creaseless main display for a better viewing experience

• IP68 dust and water resistance

Software — Long-term support remains a strong point

The Galaxy Z Fold 8 is expected to launch with Android 16 and Samsung's latest One UI, bringing multi-year OS upgrades and regular security patches. Galaxy AI features are also expected across productivity and camera tools, building on the innovations introduced with the Samsung Galaxy Z Fold 7.

Software highlights:

• Android 16 with the latest One UI

• Multi-year OS upgrade promise

• Regular security updates

• Galaxy AI features expected across productivity and camera tools

Samsung Galaxy Z Fold 8 — Pricing and options

The Samsung Galaxy Z Fold 8 is expected in three configurations:

• 12GB RAM + 256GB storage

• 12GB RAM + 512GB storage

• 16GB RAM + 1TB storage

The base variant is expected to launch in India in the range of Rs. 1,60,000 to Rs. 1,75,000, depending on storage options and retailer pricing.

Disclaimer: Prices are subject to change depending on future announcements. Please visit a Bajaj Finserv partner store for the latest pricing.

How to buy the Samsung Galaxy Z Fold 8 on Easy EMIs

Once the Samsung Galaxy Z Fold 8 becomes available, buyers can purchase it from Bajaj Finserv partner stores. Instead of paying the entire amount upfront, the cost can be converted into affordable monthly instalments. Here is how buyers can purchase the device after launch:

1. Visit the nearest Bajaj Finserv partner store.

2. Select the Galaxy Z Fold 8 variant of choice.

3. Check eligibility for Easy EMIs at checkout.

4. Choose a flexible tenure between 1 and 60 months.

5. Complete the purchase and take the new smartphone home.

Bajaj Finance Limited 

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. It 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. 

To know more, visit www.bajajfinserv.in.

Get the latest OPPO F33 5G on Bajaj Finserv Easy EMIs and enjoy a seamless upgrade
 

Users planning an upgrade can own OPPO’s latest smartphones without shouldering the entire expense upfront. With Bajaj Finserv Easy EMIs, users can split the cost into instalments and make payments over a 1 to 60 month tenure. Buyers can go to the nearest partner store, choose the Easy EMI option, and enjoy benefits like zero down payment offers on select models, flexible repayment tenures, and instant approvals.

OPPO F33 5G - A solid mid-range option

OPPO hasn’t revealed the full specifications list of the OPPO F33 5G. However, users can expect best-in-class features, including a premium rugged and trendy design. The smartphone is also likely to get the same IP69K dust and water resistance rating as the F33 Pro, making it an excellent everyday use option. Moreover, the F33 5G is tipped to house a massive 7,000 mAh cell that promises long hours of scrolling, binge-watching, and multitasking.

Expected specifications

• Display: 6.57-inch Full HD+ AMOLED screen, 120 Hz refresh rate

• Processor: MediaTek Dimensity 6360 Max

• RAM: 8GB LPDDR4X

• Storage: 128GB/256GB

• Rear cameras: 50MP main + 2MP depth

• Front camera: 16MP

• Battery: 7,000 mAh with 80W fast charging

• Operating system: ColorOS based on Android 16

• Protection/durability: IP69K dust and water resistance

Design - Slim and trendy

The OPPO F33 5G is expected to feature a slim body with a 6.57-inch flat display and an IP69K rating. Recent reports also point to a lighter build of around 194 grams, which should make the phone easier to carry and use for long periods.

Design highlights:

• 6.57-inch flat form factor

• IP69K dust and water resistance

• Slim and relatively lightweight build

Smooth 120 Hz AMOLED display

The F33 5G is tipped to use a 6.57-inch Full HD+ AMOLED screen with a 120 Hz refresh rate, which makes scrolling feel smoother and improves motion clarity while streaming or gaming. The AMOLED panel offers better contrast and deeper blacks, which can make videos and app visuals look more refined.

Display highlights:

• 6.57-inch Full HD+ AMOLED display

• 120 Hz refresh rate

• Smoother scrolling and animations
   

MediaTek Dimensity 6360 Max processor for streamlined performance

OPPO’s latest smartphone is expected to run on the MediaTek Dimensity 6360 Max chipset with 8GB LPDDR4X RAM and up to 256GB storage. Users can expect smooth, streamlined performance, with the company focusing on optimised hardware.
 

Performance highlights:

• MediaTek Dimensity 6360 Max chip

• 8GB LPDDR4X RAM

• Up to 256GB internal storage

Dual-rear camera setup for crisp shots

The OPPO F33 is rumoured to feature a 50MP main camera paired with a 2MP depth sensor, while the front may use a 16MP camera. OPPO is known for its finely-tuned cameras, and the rear imaging system promises stunning portraits with incredible clarity and detail.

Camera highlights:

• Rear: 50MP main + 2MP depth

• Front: 16MP

• Video recording: 4K @ 30 fps
   

7,000 mAh battery could be the biggest highlight

One of the key highlights of the handset is tipped to be its battery pack, with reports suggesting a 7,000 mAh battery with 80W fast charging support. This means uninterrupted gaming, streaming, and binge-watching sessions for long hours, while the fast-charging support reduces downtime.
 

Battery highlights:

• 7,000 mAh battery

• 80W fast charging support
   

OPPO F33 5G - Pricing and options

While OPPO hasn’t revealed the price range for the OPPO F33 5G, leaks suggest that the base variant (8GB RAM + 128GB ROM) can cost around Rs. 23,999. Moreover, OPPO’s latest smartphones (F33 5G and F33 Pro 5G) are likely to be offered in three colour options: Misty Forest, Passion Red, and Starry Blue.

*Disclaimer: The prices, specifications, and colours are based on recent reports and leaks. Please wait for official updates from OPPO for accurate specifications and pricing.

Best deals and offers on OPPO smartphones

If users wish to explore some other OPPO smartphone, Bajaj Finserv has launched a limited time zero downpayment offer for the following OPPO phones, that’s valid from 1^st April to 30^th April 2026.
 

• OPPO A6X – EMIs starting from Rs. 1,000/-, tenure up to 18 months + Save up to Rs. 5,000 OR get up to 30% off

• OPPO Reno 15 series – EMIs starting from Rs. 1,917/-, tenure up to 24 months + Save up to Rs. 5,000 OR get up to 30% off

*Disclaimer: EMIs may vary by location, partner store, and applicable offers. Please verify the latest pricing before purchase.

How to buy the OPPO F33 on Easy EMIs

After the OPPO F33 5G becomes available in India, user can own the device by opting for Easy EMI plans. Buying from a Bajaj Finserv partner store helps user manage the cost better while keeping the purchase process simple. Here is how buyers can purchase the device after launch:
 

1. Visit the nearest Bajaj Finserv partner store.

2. Select the Galaxy Z Fold 8 variant of choice.

3. Check eligibility for Easy EMIs at checkout.

4. Choose a flexible tenure between 1 and 60 months.

5. Complete the purchase and take the new smartphone home.

Bajaj Finance Limited
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. It 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. 
 

To know more, visit www.bajajfinserv.in.

Make your refrigerator upgrade easy and budget-friendly with Bajaj Finserv Easy EMI Loan

The good news is that upgrading does not have to mean paying for it all at once. Customers can visit the Easy EMI Loan page on the Bajaj Finserv website, browse refrigerators that suit their home, and get a loan approved online — all before they even step into a store. They can then head to the nearest partner store to complete the purchase and split the total cost into Easy EMIs that fit their monthly budget. Select models come with zero down payment — meaning the new refrigerator comes home today, with payments starting only next month.

Why a double door refrigerator is worth the upgrade
Double door refrigerators offer separate compartments for fresh and frozen food, frost-free cooling, and inverter compressors that adjust to actual cooling demand. This results in:

• No manual defrosting: Consistent temperatures are maintained automatically, keeping food fresher for longer.

• Lower electricity bills: Inverter compressors use up to 30–50% less energy compared to fixed-speed models.

• More storage flexibility: Select models offer convertible freezer-to-fridge modes — ideal for festive seasons when fresh food storage needs spike.

Best double door refrigerators to buy this Baisakhi
From compact models to feature-rich options, here are five of the best double door refrigerators available right now:

• Samsung 236 L Frost Free Double Door (RT28C3032GS)

  • Price: Rs. 23,190 | EMIs starting from: Rs. 1,450/month

  • Why it works: A compact, frost-free model ideal for small to mid-size families, with efficient cooling and a reliable inverter compressor for everyday use.

• LG 260 L 2 Star Frost Free Double Door (GL-N292DDSY)

  • Price: Rs. 28,999 | EMIs starting from: Rs. 1,542/month

  • Why it works: LG's Smart Inverter Compressor delivers energy-efficient cooling with faster temperature recovery after the door is opened.

• Whirlpool 235 L 2 Star Frost Free Double Door (NEO DF278 PRM)

  • Price: Rs. 26,650 | EMIs starting from: Rs. 1,776/month

  • Why it works: Whirlpool's MicroBlock technology actively prevents 99% of bacterial growth, keeping food fresher for longer between grocery runs.

• Haier 240 L 2 Star Frost Free Double Door (HRF-2902CSG)

  • Price: Rs. 30,990 | EMIs starting from: Rs. 2,208/month

  • Why it works: Features Twin Inverter Technology for quieter, more efficient operation and a large vegetable box designed for Indian kitchen needs.

• Godrej 272 L 2 Star Eon Crystal Double Door (RT EONCRYSTAL 310B)

  • Price: Rs. 39,511 | EMIs starting from: Rs. 2,343/month

  • Why it works: Godrej's Nano Shield Technology provides over 95% disinfection on food surfaces, while Cool Balance Technology keeps vegetables fresh for up to 30 days.

Disclaimer: Prices and EMIs may vary by location, partner store, and applicable offers. Please verify the latest pricing before purchase.

Limited-time offers on refrigerators

• Flat Rs. 1,500 cashback on select in-store purchases.

With EMIs starting as low as Rs. 1,450 per month, bringing home a frost-free double door refrigerator this Baisakhi has never been easier or more affordable.
 

Terms and conditions apply. Check with your store for details.
 

How to buy a double door refrigerator with the Bajaj Finserv Easy EMI Loan
Upgrading to a new double door refrigerator this Baisakhi does not have to mean a large one-time payment. The Bajaj Finserv Easy EMI Loan lets customers split the cost into pocket-friendly monthly instalments, ensuring they always get the best deal.

Here is how it works:

• Select the refrigerator online: Customers can browse models by capacity, star rating, and brand to pick the one that suits their kitchen and budget.

• Check eligibility: They can then head to the Easy EMI Loan page and complete a quick KYC process using a mobile number and PAN card.

• View the limit instantly: The approved loan amount is displayed immediately once verified.

• Visit a partner store: Customers can walk into the nearest Bajaj Finserv partner store and get guidance from an in-store representative.

• Finalise the EMI plan: After picking a repayment tenure and completing minimal paperwork, the purchase is confirmed on the spot.

• Enjoy benefits: Customers will receive Rs.1,500 cashback on all in-store purchases, making the upgrade even more rewarding.

This Baisakhi, the right refrigerator is just a few easy steps away. With the Bajaj Finserv Easy EMI Loan, buying a refrigerator on EMI has never been simpler.

About Bajaj Finance Limited
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. It 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.

To know more, visit www.bajajfinserv.in.

Bajaj Finserv Personal Loan

In today’s dynamic financial environment, individuals often face situations that require quick access to funds. Whether it is a medical emergency, a family celebration, travel plans, or urgent home repairs, arranging funds at short notice can be challenging. A personal loan provides a convenient solution by offering timely financial support without disrupting long-term savings. By extending the repayment tenure, Bajaj Finance aims to make borrowing more affordable, flexible, and accessible for customers with varying financial needs.

Longer repayment tenure helps reduce monthly financial pressure
The availability of repayment tenure of up to 108 months allows customers to distribute their repayment over a longer duration. This approach can help reduce the size of monthly instalments, making it easier to manage household expenses alongside loan obligations. It also improves monthly cash flow, allowing borrowers to allocate funds towards savings, investments, or other financial priorities.

Customers can choose a repayment tenure ranging from 12 months to 108 months, depending on their income, financial commitments, and repayment preferences. This flexibility enables individuals to align their loan repayment with their monthly budget and avoid unnecessary financial strain. A longer repayment period can be particularly beneficial when managing large or long-term expenses that require careful planning.

Personal loan interest rate supports better decision-making
Clear communication of loan terms is an essential part of responsible lending. Bajaj Finance ensures that customers are informed about the applicable personal loan interest rate before finalising their loan. This transparency helps borrowers understand the total cost of borrowing and plan their repayments accordingly.

The interest rate typically ranges from 10% to 30% per annum, depending on factors such as income level, credit history, and repayment behaviour. By providing clear information about interest rates and repayment obligations, the company supports informed financial decisions and helps customers avoid unexpected repayment challenges over the loan tenure.

Flexible loan amounts support different financial needs
Financial requirements vary from person to person, and access to the right loan amount is essential for responsible borrowing. Bajaj Finance offers a wide loan amount range starting from Rs. 40,000 and extending up to Rs. 55 lakh, allowing customers to select an amount that matches their specific needs.

This flexibility ensures that customers can manage both small and significant expenses without borrowing more than necessary. Choosing an appropriate loan amount helps maintain financial discipline and reduces the risk of repayment challenges in the future. By providing options that suit different financial situations, the personal loan offering supports customers in making informed borrowing decisions.

Quick approval process ensures timely financial support
Speed is often a critical factor when dealing with financial requirements. Bajaj Finserv Personal Loan process is simple and efficient, enabling customers to apply online with minimal effort. The digital application system reduces paperwork and shortens processing time, making the borrowing experience more convenient.

For eligible applicants, approval is completed quickly, and funds are typically disbursed within 24 hours* after verification. This timely access to funds can be especially valuable during emergencies or situations where immediate financial support is required. A seamless and responsive process helps customers address urgent needs without unnecessary delays.

Collateral-free borrowing makes access to credit easier
Another important feature of the personal loan offering is that it is completely collateral-free. Customers are not required to pledge property, gold, or other assets as security to obtain funds. This reduces financial risk and simplifies the borrowing process, particularly for individuals who prefer unsecured financing options.

Minimal documentation requirements further enhance convenience. In most cases, customers only need to provide basic identity, address, and income details to complete their application. A straightforward process allows borrowers to focus on their financial priorities rather than complex paperwork.

Supporting customers through important life moments
Access to reliable financing can make a significant difference during important life events. Customers often rely on a personal loan to manage expenses related to planned milestones such as weddings, education, and travel, as well as unplanned situations like medical emergencies or urgent repairs.

Having a dependable source of funds allows individuals to move forward with their plans without delay. The availability of a longer repayment tenure further enhances convenience by giving borrowers more time to manage their financial commitments comfortably. This helps customers stay financially prepared across different life situations without disrupting their broader financial plans.

Focus on responsible lending and customer convenience
With repayment tenure now extended up to 108 months, Bajaj Finance offers customers greater flexibility in structuring their loan repayments. This is supported by loan amounts ranging from Rs. 40,000 to Rs. 55 lakh, transparent personal loan interest rates, minimal documentation requirements, and disbursal within 24 hours*, covering a wide range of financial needs.

Customers planning an expense or facing an urgent financial need can review their eligibility, apply now, and select a repayment plan that aligns with their financial goals and monthly budget.

Terms and conditions apply*

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. It 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.

Bajaj Finserv Personal Loan

A personal loan from Bajaj Finance is designed to help people manage both planned and urgent expenses. Whether it is a medical emergency, a family wedding, travel plans, or home repairs, customers can access funds quickly without pledging any collateral. The company continues to focus on providing reliable financial support through simple processes.

Flexible loan amount and extended repayment tenure 
The newly introduced 108-month repayment tenure is a key enhancement in the Bajaj Finserv Personal Loan. The repayment tenure has been extended from 96 months (8 years) to 108 months (9 years), giving customers more time to repay their loan and helping reduce the monthly EMI burden. This can be especially useful for borrowers who want to manage large expenses without putting pressure on their monthly cash flow.

By offering a longer repayment window, Bajaj Finance allows customers to choose a tenure that fits their financial comfort. Those who prefer smaller instalments over a longer period now have more control over how they plan their repayment journey. At the same time, customers who wish to repay faster and potentially reduce their overall interest cost may continue to choose shorter tenures based on their needs, within the range of 12 months to 108 months.

Bajaj Finance offers a wide range of loan amounts to meet different financial needs. Customers can choose a loan amount starting from Rs. 40,000 up to Rs. 55 lakh. This flexibility allows individuals to borrow only what they need.

Quick approval and fast disbursal
Speed is an important factor when dealing with financial needs. Bajaj Finance focuses on providing quick approval for eligible applicants. The application process is simple and can often be completed online.

Once approved, funds are typically disbursed within 24 hours*. This quick access to money can be helpful during emergencies or urgent situations. Customers do not have to wait for long processing times or complicated paperwork.

A fast and efficient process ensures that borrowers can focus on solving their financial needs without unnecessary delays.

Competitive interest rates
Bajaj Finance offers competitive interest rates on personal loans, helping customers manage borrowing costs effectively. Customers are informed about the applicable personal loan interest rate before they apply. This helps them plan their monthly budget with confidence.

The interest rate typically ranges from 10% to 30% per annum, depending on factors such as income, repayment history, and credit profile. Competitive interest rate allows customers to choose a loan structure that fits their financial goals while keeping repayments comfortable over the selected tenure.

Collateral-free loan with minimal documentation
Another advantage of choosing a personal loan from Bajaj Finance is that it is a collateral-free loan. Customers do not need to provide property, gold, or any other asset as security. This reduces stress and makes the borrowing process more accessible.

The documentation requirements are also simple. In most cases, customers need to submit basic identity, address, and income details. Minimal paperwork helps speed up approval and makes the process convenient for working professionals, self-employed individuals, and small business owners.

This straightforward approach allows borrowers to apply with confidence and receive funds without complicated formalities.

Real-life use cases for a personal loan
A personal loan can support many types of financial needs. Some common situations where customers use these funds include:

• Medical emergencies: Covering hospital bills, treatment costs, or urgent care expenses

• Travel plans: Funding family holidays, pilgrimage trips, or international travel

• Weddings: Managing venue bookings, decorations, and other celebration expenses

• Education: Paying tuition fees, buying study materials, or enrolling in professional courses

• Home improvement: Repairing furniture, renovating rooms, or upgrading household appliances

These real-life uses show how a personal loan can provide financial support during important life events. Having access to funds at the right time can reduce stress and help families focus on their priorities.

While borrowing can be helpful, responsible financial planning is equally important. Bajaj Finance encourages customers to assess their income and expenses before applying for a personal loan. Choosing the right loan amount and tenure can prevent financial pressure in the future. Simple tools such as EMI calculators and repayment schedules can help borrowers understand their commitments clearly before taking a loan. 

The introduction of extending repayment tenure up to 108 months highlights Bajaj Finance’s continued focus on customer convenience and responsible lending. With flexible loan amounts, minimal paperwork, and fast disbursal, the company remains committed to providing reliable financial solutions that support customers at every stage of life.

Customers looking for funds for planned or urgent expenses can explore a personal loan from Bajaj Finance and benefit from a repayment structure designed for greater financial comfort.

Terms and conditions apply*

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. It 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.

slice UPI credit card

The card is free to own and use, with no joining fee, no annual fee, and no maintenance charge of any kind. Payments through the slice UPI card, work just like any other UPI transaction; through a QR code or a UPI ID. Customers can split payments into three monthly instalments at no extra cost through the product’s "slice in 3" feature. The card works internationally too, with no forex markup and acceptance in 200+ countries.

slice's UPI credit card makes no-cost credit instalments accessible to 300 million Indians across 65 million merchants, on the largest payments network ever built. For context, the world's largest buy-now-pay-later platforms together reach roughly 1.5 million merchants globally.

“slice credit card is now live for everyone. We appreciate the patience of our 1.2 million waitlisted customers over the last few months. We will shortly begin processing your applications and start accepting all new ones,” Rajan Bajaj, founder & CEO, slice said in a tweet.

Users earn rewards across all transactions, making it one of the first credit products in India to consistently reward small-ticket, high-frequency UPI transactions. UPI has already put a payments infrastructure in the hands of 300 million Indians. This card now layers a credit product on top of that — built around how those 300 million actually spend: in small amounts, frequently, and across millions of merchants. slice's systems assess creditworthiness based on real transaction behaviour, enabling it to extend credit responsibly and grow limits incrementally as behaviour is demonstrated. 

About slice
slice is on a mission to build India’s most loved bank. It is reimagining consumer banking in India with simple, transparent and technology-driven products. slice operates as a full-stack bank, offering solutions such as the slice savings account, slice fixed deposits, slice UPI, slice borrow, the slice UPI credit card, and India’s first UPI-led bank branch. Its mission is to make banking faster, fairer and easier for every Indian. slice is backed by global investors including Tiger Global, Insight Partners, Advent International, Blume Ventures and Gunosy Capital.

Bajaj Finserv Personal Loan

Tools like the Bajaj Finserv Personal Loan EMI calculator are helping borrowers take a more structured approach to financial planning by offering clarity on monthly instalments before applying for a loan.

Growing need for smarter financial planning

As financial commitments become more diverse, ranging from medical needs and education expenses to lifestyle upgrades, planning cash flow has become essential.

Borrowers today prefer to evaluate:

• Monthly repayment capacity

• Loan tenure options

• Total cost of borrowing

This shift has increased the importance of digital tools that provide accurate and instant calculations.

Role of an EMI calculator in loan planning

An EMI calculator is a simple yet effective tool that helps individuals estimate their monthly repayment before taking a loan.

Borrowers can calculate their expected instalments by using the Bajaj Finserv Personal Loan EMI calculator, which allows users to enter the loan amount, tenure, and interest rate to instantly view EMI amounts and total repayment details. This enables them to:

• Compare different loan scenarios

• Adjust tenure for affordability

• Avoid over-borrowing

How EMI planning improves financial stability

Understanding EMI in advance allows borrowers to align repayments with their monthly income. A well-planned EMI ensures:

• Better budget management

• Reduced financial stress

• Consistent repayment discipline

Instead of making decisions based on assumptions, individuals can rely on accurate calculations to choose a loan structure that fits their financial situation.

Key features of Bajaj Finserv Personal Loan

Bajaj Finserv Personal Loan is designed to support a wide range of financial needs while ensuring convenience and flexibility:

• Loan amounts ranging from Rs. 40,000 to Rs. 55 lakh

Suitable for both smaller and larger financial requirements

• Flexible repayment tenure ranging from 12 months to 108 months

Allows borrowers to choose a tenure based on affordability

• Quick digital application process with fast approvals

Simplifies access to funds without lengthy procedures

• Minimal documentation requirements

Reduces complexity during the application process

These features help borrowers plan and manage their finances more effectively.

Simple process to apply for a personal loan online

Applying for a personal loan through Bajaj Finance is designed to be quick, convenient, and fully digital, allowing applicants to complete the process without unnecessary delays.

1. The applicant can begin by visiting the Personal Loan section on the Bajaj Finserv website and clicking on the ‘APPLY’ button.

2. They will then be required to enter their 10-digit mobile number and complete OTP verification.

3. After verification, they can fill in basic details related to their loan requirement in the online application form.

4. Once the details are submitted, they can proceed to the loan selection stage.

5. At this step, the applicant can choose the desired loan amount and select from available loan options.

6. They can then pick a suitable repayment tenure, ranging from 12 months to 108 months, based on their financial comfort.

7. The process concludes with completing the KYC formalities and submitting the application digitally.

You will be assisted on the next steps by our representative.

Financial planning in 2026 is increasingly driven by clarity and convenience. Tools like EMI calculators play a crucial role in helping borrowers understand their repayment commitments before taking a loan.

By using the Bajaj Finserv Personal Loan EMI calculator and reviewing loan features in advance, individuals can structure their finances more efficiently and make borrowing decisions with greater confidence.

*Terms and conditions apply

About Bajaj Finance Limited

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. It 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.

Zopper, India's leading insurtech company, announced the launch of ZENOVA, an agentic layer designed to transform how banks distribute insurance products. ZENOVA embeds suitability, disclosure, and evidence generation directly into every insurance sale — helping reduce mis-selling risks across every channel. ZENOVA is powered by Zopper's API-first, multi-insurer platform already deployed at scale with banks and BFSI players across India and can be configured to each institution's policies and architecture without multi-year build cycles.

ZENOVA is powered by Zopper's API-first, multi-insurer platform, deployed at scale with banks and BFSI players across India

Under the emerging Responsible Business Conduct (RBC) framework, mis-selling is no longer a reputational concern but has a direct impact on P&L event. Banks face full refund plus compensation obligations if mis-selling is proven, and the fiduciary responsibility sits squarely with the distributing bank, not the insurer.

ZENOVA is a policy-driven control layer that sits between core banking systems, insurer platforms, and all customer-facing channels. It orchestrates every stage of an insurance interaction, from customer profiling. It needs assessment, suitability scoring, disclosure, consent, issuance, and post-sale verification, generating a regulator-grade evidence file as a byproduct of every transaction.

Suitability is built in by design, with board-approved rules translated into executable logic to ensure every sale passes a rigorous suitability check without exception. This is supported by a unified evidence fabric, where each sale is captured in a single, time-stamped record that includes screens, consents, recordings, and PLVC outcomes, making it instantly retrievable for audits, complaints, or regulatory review. At the same time, channel-consistent conduct is enforced through uniform suitability and disclosure standards applied seamlessly across branches, apps, contact centres, and WhatsApp, ensuring a consistent and compliant customer experience at every touchpoint.

Mr Surjendu Kuila, Co-founder & CEO, said, “Banks that choose to re-platform onto ZENOVA will not only meet the next wave of conduct supervision, but they will set the benchmark for what responsible, profitable bancassurance looks like in India.”

Bragadish Sureshkumar, Chief Technology Officer, added, “ZENOVA is built for a world where banks are expected to prove, not just claim that every sale was done right. By combining agentic AI with a deep, evidence‑first architecture, we give institutions a single platform that can orchestrate journeys in real time and still leave a clear audit trail for every recommendation, interaction, and decision.”

Zopper has raised $125 million to date from marquee investors, including Creaegis, Bessemer Venture Partners, ICICI Venture, Blume Ventures, Elevation Capital, and Dharana Capital. With a 600+ member team across technology, sales, strategy, and operations, the company plans to double down on market penetration in the country while pursuing global expansion and strategic acquisitions in emerging markets.

Zopper has been actively integrating AI and Generative AI across underwriting, sales optimisation, fraud detection, and customer servicing. Its proprietary Digi-Banca platform offers a unified, end-to-end technology stack for insurers and banks, enabling seamless integration and improved customer journeys across multiple financial institutions. Zopper’s mission is to make insurance simple, contextual, and embedded within everyday consumer journeys. By leveraging technology to streamline underwriting, reduce issuance time to minutes, and design tailored micro-products, the company has significantly improved accessibility across ecosystems spanning lifestyle, digital commerce, and financial services.

About Zopper
Zopper combines insurance and technology to deliver customised, end-to-end distribution solutions for insurers and ecosystem partners. Through API-led infrastructure and embedded insurance capabilities, Zopper is expanding access, improving efficiency, and strengthening India’s insurance ecosystem.

To learn more, explore the full whitepaper and get in touch with us here: bit.ly/4t8Yhtb

Nilkamal Homes
 

Nilkamal Homes identified this gap and addressed it with Safe Space Studios by Nilkamal Homes, a one-of-its-kind initiative that gives creators access to beautifully designed showroom spaces that can be used as ready-to-shoot sets, free of cost. The pioneering initiative transforms its flagship Bengaluru showroom at NTR Plaza, Outer Ring Rd, Marathahalli into a high-end, free-to-use production set for content creators every Tuesday and Thursday from 10:00 PM to 2:00 AM. 

During these hours, creators can use these curated interiors of the store as ready-made sets to shoot videos, reels, podcasts, and other digital content. Through this initiative, Nilkamal Homes aims to support the growing creator community by providing a premium, safe and accessible environment where creators can bring their ideas to life and produce engaging content. 

By day, the Marathahalli store functions as a Furniture showroom that welcomes customers to explore an expansive range of home furniture and décor, set within thoughtfully designed spaces that inspire confident purchase decisions. By night, it seamlessly transforms into a dynamic content creation studio, featuring multiple curated zones tailored for creators. From opulent bedroom settings to elegantly styled living and sofa spaces, each zone offers versatile styling possibilities. This unique adaptability provides creators with far greater flexibility and creative control than conventional, ready-made studios, free of cost. 
 

Nilkamal Homes
 

Speaking about the initiative, Mr. Parekh, President at Nilkamal Homes, said, “Creators are the architects of today’s brand narratives, yet their creative potential is often constrained by limited access to well-designed, aesthetic spaces. With Safe Space Studios by Nilkamal Homes, we aim to bridge this gap by offering thoughtfully curated, well-lit, premium environments - completely free of charge. Bengaluru, widely regarded as the epicentre of India’s digital content ecosystem, was a natural choice to pilot this initiative.” 

Creators who want to use the space can apply through Nilkamal Homes’ official Instagram page @NilkamalHomes. Selected creators will receive a two-hour shooting slot and access to multiple styled areas including living rooms, sofas, dining setups, and bedroom spaces. On-site support will also be available to ensure a smooth shooting experience. 

The Marathahalli studio is a pilot project. Based on the response, Nilkamal Homes plans to expand Safe Space Studios to more than 70 Nilkamal Homes stores across India, creating one of the largest networks of free creator-friendly studio spaces in the country. 

About Nilkamal Homes
Part of the legendary Nilkamal Limited group, Nilkamal Homes is a leader in the Indian home décor and furniture market. Known for their well-made furniture and decor, the brand operates 70+ stores across India, dedicated to redefining modern living for the Indian family. 

For more details, please visit www.nilkamalhomes.com.

Follow on Instagram: www.instagram.com/nilkamalhomes.

Bajaj Finserv Personal Loan

With lenders like Bajaj Finance offering digital personal loan solutions tailored for salaried employees, access to credit has become faster and more convenient. This shift has made it easier for individuals to address both planned expenses and urgent financial needs without lengthy processes.

At the same time, the cost of borrowing, primarily determined by the interest rate, plays a crucial role in shaping repayment commitments. A competitive interest rate can significantly reduce both monthly EMIs and the overall repayment amount, making it essential for borrowers to understand how these rates are structured before applying.

Importance of interest rates in personal loans
The personal loan interest rate represents the cost of borrowing and directly impacts:

• Monthly EMI

• Total repayment amount over the loan tenure

• Overall financial planning and budget management

Even a small variation in interest rates can lead to a noticeable difference in long-term repayment, especially for loans with longer tenures.

Factors that influence personal loan interest rates
Interest rates offered to salaried individuals are not fixed and may vary based on several key factors:

• Credit score and repayment history

  • A strong credit profile reflects responsible borrowing behaviour

• Monthly income and job stability

  • Consistent income improves repayment capacity

• Existing financial obligations

  • Lower liabilities may lead to better loan terms

• Employer profile

  • Working with established organisations may positively influence eligibility

A well-maintained financial profile can improve the chances of securing more favourable interest rates.

Why competitive rates matter for salaried individuals
Salaried individuals typically rely on fixed monthly income, making it important to ensure that EMIs remain manageable.

Lower interest rates can:

• Help keep EMIs within a comfortable range

• Reduce the total interest paid over time

• Support better long-term financial stability

For this reason, comparing interest rates and understanding associated charges becomes an important step before choosing a personal loan.

Bajaj Finserv Personal Loan: Key advantages
The Bajaj Finserv Personal Loan is structured to meet the needs of salaried borrowers by offering a balance of flexibility, convenience, and accessibility:

• Loan amounts ranging from Rs. 40,000 to Rs. 55 lakh

  • Allows individuals to choose an amount based on their specific financial requirement

• Competitive interest rates

  • Bajaj Finance offers attractive interest rates on personal loans ranging from 10% to 30% per annum*, depending on the customer’s credit profile, income, and eligibility.

• Flexible repayment tenure from 12 months to 96 months

  • Enables borrowers to align EMIs with their monthly income and financial comfort

• Quick digital application process with fast approvals

  • Reduces waiting time and simplifies access to funds

• Minimal documentation requirements

  • Makes the application process more efficient and user-friendly

These features support borrowers in managing both short-term needs and long-term repayment commitments effectively.

Simple and efficient online application process
Applying for a personal loan through Bajaj Finance is designed to be straightforward and fully digital, allowing applicants to complete the process with ease.

The application journey typically involves:

• Visiting the Personal Loan section on the Bajaj Finserv website and initiating the application

• Verifying the registered mobile number through a one-time password (OTP)

• Filling in basic details related to the loan requirement

• Proceeding to select the preferred loan amount and available loan options

• Choosing a suitable repayment tenure, ranging from 12 months to 96 months

• Completing the KYC process and submitting the application online

This end-to-end digital process reduces the need for branch visits, extensive paperwork, and lengthy procedures, offering a more seamless borrowing experience.

Access to support and assistance
In addition to competitive rates, customer support plays an important role in the borrowing experience. Borrowers looking for assistance related to loan applications, repayment queries, or account details can find support details on the official website or connect directly with the Bajaj Finance customer care team for guidance and assistance.

Having access to reliable support ensures a smoother and more transparent loan journey.

Making informed borrowing decisions
Having access to reliable customer support ensures a smoother and more transparent loan journey, especially when borrowers need clarity at different stages of the application or repayment process.

At the same time, interest rates remain a key factor in determining the overall affordability of a personal loan, particularly for salaried individuals managing fixed monthly budgets. Even small differences in rates can influence both EMI commitments and long-term financial planning.

By understanding how interest rates are structured, evaluating different loan options, and planning repayments in advance, borrowers can make decisions that are both practical and financially sustainable.

With solutions like the Bajaj Finserv Personal Loan, offering competitive interest rates, flexible repayment tenures, a fully digital application process, and dedicated customer support, borrowers have access to options that combine convenience with financial clarity.

Choosing a lender that provides transparency, flexibility, and ease of access can make the entire borrowing experience more efficient, predictable, and easier to manage over time.

*Terms and conditions apply

About Bajaj Finance Limited
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. It 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.

The service enables customers to withdraw cash instantly by scanning a UPI QR code at authorized outlets within RNFI’s Business Correspondent (BC) network. Customers can simply scan the QR code, enter the withdrawal amount, and authenticate using their UPI PIN. Once completed, the merchant dispenses the cash, enabling a simple and frictionless assisted transaction experience.

Commenting on the launch, Krishnakumar Daga, Chief Executive Officer, RNFI Services Ltd. said, “UPI has transformed digital payments across India, but access to cash remains critical for millions, especially in rural and semi-urban markets. This service bridges that gap by combining the scale of UPI with the reach of our assisted network, enabling secure and seamless last-mile cash access.”

The service will be available across RNFI’s extensive merchant network, ensuring access to cash withdrawal services for customers across urban, semi-urban, and rural markets. In addition to improving customer convenience, the rollout is expected to drive higher transaction volumes and deepen engagement across the Company’s merchant ecosystem.

Some of the key features of the service include fast and secure cash withdrawals through UPI QR scan, availability across authorized retail outlets, no requirement for ATM cards or biometric authentication, and a seamless experience across all UPI-enabled applications. The service offers a per transaction limit of Rs. 5,000, with a daily limit of Rs. 10,000 and a monthly limit of Rs. 50,000.

This launch marks a significant expansion of RNFI’s assisted digital banking offerings and strengthens its partnership with Jio Payments Bank. As UPI adoption continues to scale, QR-based cash withdrawals are expected to emerge as a key assisted transaction channel, particularly in markets where access to physical cash remains essential.

About RNFI & Relipay
RNFI Services Limited is a fintech infrastructure company enabling last-mile financial access across India through its flagship platform, Relipay. The platform connects financial institutions with consumers through a nationwide assisted commerce network, offering a wide range of services including banking, payments, collections, insurance distribution, foreign exchange services, and digital financial solutions. By integrating technology, distribution, and financial partnerships, RNFI enables seamless delivery of essential financial services across urban, semi-urban, and rural India.

Bajaj Finserv Easy EMI Loan

The good news is that upgrading does not have to mean paying for it all at once. Customers can visit the Easy EMI Loan page on the Bajaj Finserv website, browse refrigerators that suit their home, and get a loan approved online — all before they even step into a store. They can then head to the nearest partner store to complete the purchase and split the total cost into Easy EMIs that fit their monthly budget. Select models come with zero down payment — meaning the new refrigerator comes home today, with payments starting only next month.

Why Frost-Free Inverter Tech is a must-have

Frost-free technology uses fans to circulate cool air evenly, preventing ice buildup in the freezer. Paired with an inverter compressor that runs at variable speeds based on cooling demand, this results in:

• Lower electricity bills: Up to 30–50% energy savings compared to non-inverter models.

• Reduced noise: Quiet operation that does not disturb the home environment.

• Longer freshness: Precise temperature control keeps perishable items fresh for days.

Best Frost-Free Inverter refrigerators to buy this Gudi Padwa

From compact double-door models to AI-powered options, here are five of the best frost-free inverter refrigerators available right now — with EMI prices to match every budget.

1. Godrej 272L 2-Star Inverter Double Door Refrigerator 

• Price: Rs. 26,490 | EMI from: Rs. 1,247/month

• Why it works: Nano Shield Technology provides over 95% disinfection on food surfaces, while Cool Balance Technology keeps vegetables farm fresh for up to 30 days. 

2. LG 308L 2-Star Frost Free Double Door Refrigerator

• Price: Rs. 31,039 | EMI from: Rs. 2,378/month

• Why it works: DoorCooling+™ cools food 35% faster than conventional systems, and Auto Smart Connect lets it run on a home inverter during power cuts.

3. Whirlpool 308L 3-Star Convertible Refrigerator

• Price: Rs. 33,490 | EMI from: Rs. 1,020/month

• Why it works: Features the industry's fastest freezer-to-fridge conversion in just 10 minutes, and 6th Sense Nutrilock technology preserves vitamins in fruits and vegetables up to 2x longer.

4. Samsung 350L Bespoke AI Double Door Refrigerator

• Price: Rs. 41,490 | EMI from: Rs. 1,290/month

• Why it works: Bespoke AI Energy Mode optimises compressor speed to save up to 10% more energy, with a 5-in-1 convertible setup for maximum storage flexibility.

5. Haier 358L 3-Star Frost Free Double Door Refrigerator

• Price: Rs. 42,600 | EMI from: Rs. 2,169/month

• Why it works: Triple Inverter and Dual Fan Technology offer superior temperature control, and 1-hour icing technology ensures you never run out of ice.

*Disclaimer: Prices and EMIs may vary by location, partner store, and applicable offers. Please verify the latest pricing before purchase.

Limited-time offers on electronics and appliances

• Flat Rs. 1,500 cashback on select purchases.

With EMIs starting as low as Rs. 1,020 per month, bringing home the preferred frost-free inverter refrigerator this Gudi Padwa has never been easier or more affordable.

*Terms and conditions apply. Check with your store for details.

How to buy a new refrigerator with Bajaj Finserv Easy EMI Loan

Upgrading a refrigerator this Gudi Padwa does not have to mean a large one-time payment. The Bajaj Finserv Easy EMI Loan lets customers split the cost into pocket-friendly monthly instalments, while the Maha Bachat Savings Calculator helps add brand discounts and dealer offers on top — ensuring they always get the best deal.

Here is how it works:

1. Select the refrigerator online: Customers can browse models by capacity, star rating, and brand to pick the one that suits their kitchen and budget.

2. Check eligibility: Then head to the Easy EMI Loan page and complete a quick KYC process using a mobile number and PAN card.

3. View the limit instantly: The approved loan amount is displayed immediately once verified.

4. Visit a partner store: Customers can walk into the nearest Bajaj Finserv partner store and get guidance from an in-store representative.

5. Finalise the EMI plan: Pick a repayment tenure, complete minimal paperwork, and the purchase is confirmed on the spot.

This Gudi Padwa, the right refrigerator for a home is just a few easy steps away. With the Bajaj Finserv Easy EMI Loan, buying a refrigerator on EMI has never been simpler — the cost is one thing customers do not have to worry about.

Bajaj Finance Limited

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. It 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. 

To know more, visit www.bajajfinserv.in

Bajaj Finserv Personal Loan

From planned milestones such as weddings and overseas travel to unplanned situations like medical emergencies, a personal loan from Bajaj Finance offers a dependable and swift financial lifeline. With end-to-end digital processing and a customer-first approach, the borrowing experience is designed to be seamless from start to finish.

Affordable rates that put customers first
A standout feature of the Bajaj Finserv Personal Loan is its competitive interest rate framework. Rates are calibrated to keep total borrowing costs low, giving customers clarity on their repayment obligations from day one.

The applicable interest rate is assessed based on a combination of factors such as the applicant’s income level, employment category, CIBIL score, repayment history, and existing liabilities. Borrowers with a healthy credit profile and steady income stand to gain the most competitive rates, maximising long-term savings.

Repayment flexibility
Recognising that no two borrowers are alike, Bajaj Finance provides repayment tenures spanning 12 months to 96 months. This flexibility allows customers to calibrate their EMIs to fit their monthly cash flow, helping them avoid financial pressure while meeting repayment commitments.

Selecting the right tenure is central to maintaining a sustainable repayment rhythm. A longer tenure lowers the monthly instalment, while a shorter one reduces the overall interest outgo, giving borrowers the power to decide what works best for their specific situation.

Substantial loan amounts to match every aspiration
Personal loans from Bajaj Finance are available from Rs. 40,000 up to Rs. 55 lakh, ensuring that customers can address both modest requirements and significant financial commitments with equal ease. Whether managing short-term cash flow gaps or funding a landmark event, the right amount is always available for eligible applicants.

A streamlined digital application, from approval to disbursal in hours
Bajaj Finance has engineered a fully digital application journey that eliminates the friction typically associated with loan processing. Applicants simply submit their basic personal and financial details online, after which verification is carried out swiftly. In most cases, approved funds are credited within 24 hours*, enabling customers to act on their financial needs without delay.

Collateral-free: Borrow without pledging assets
As an unsecured lending product, Bajaj Finserv Personal Loans require no collateral or guarantor. This removes a significant barrier for many borrowers, simplifying the documentation process and enabling faster disbursals. Customers can access the credit they need purely on the strength of their financial profile.

Who can apply? Eligibility at a glance
Bajaj Finance welcomes applications from eligible Indian residents meeting the following criteria:

• Nationality: Indian citizen

• Age: 21 to 80 years* 

• Employed with: Public, private, or MNC.

• CIBIL Score: 650 or above

• Customer profile: Self-employed or Salaried

*Customers should be 80 years* or younger, at the end of the loan tenure.

Uses of a Bajaj Finserv Personal Loan
Bajaj Finserv Personal Loans can be used for various personal expenses, such as:

• Medical and Healthcare Costs: Cover hospitalisation, treatment procedures, and post-recovery expenses swiftly, without drawing on savings.

• Weddings and Celebrations: Finance venue bookings, catering, travel arrangements, and event décor for family milestones without disrupting existing savings.

• Travel and Experiences: Plan domestic or international journeys and repay at leisure through structured instalments.

• Home Improvement Projects: Fund renovation, repair, or interior upgrades to create a comfortable and upgraded living space .

• Education and Career Development: Invest in academic programmes, professional certifications, or skill-building courses to accelerate career growth.

Bajaj Finance continues to set the benchmark in personal lending, combining low-cost borrowing with the speed and simplicity that modern customers expect. Through competitive interest rates, generous loan amounts, and a frictionless application experience, the company empowers individuals across India to pursue their financial goals on their own terms.

For planned milestones or pressing financial requirements alike, Bajaj Finance stands ready to deliver reliable and affordable personal loan solutions.

*Terms and conditions apply.

About Bajaj Finance Limited
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. It 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.

PayU and GoKwik Strategic Partnership

As India’s D2C sector matures, merchants are demanding end-to-end reliability. This partnership introduces an integrated commerce layer that combines GoKwik’s conversion intelligence with PayU’s robust, scalable payments infrastructure, moving D2C brands beyond fragmented solutions to solve these challenges at scale.

“Across the D2C ecosystem, the demand from founders is clear: they need integrated solutions that solve for payment reliability and checkout conversion in one cohesive layer. This isn’t a hypothetical challenge; it's a measurable drain on potential revenue”, Vineet Sethi, Chief Growth and Marketing officer, PayU. The coming together of PayU’s deep payments expertise and GoKwik’s category-leading conversion intelligence is a direct response to this merchant need. It’s about creating the kind of continuous, high-success experience that is non-negotiable for any brand aiming to move from early traction to major scale”.

“GoKwik has set the industry standard for D2C conversion and checkout optimization. Our partnership with PayU is a strategic and natural evolution of that commitment”, said Chirag Taneja, CEO - GoKwik. “By tightly integrating our intelligence with PayU's robust payments infrastructure, we are extending the impact of our platform to ensure a seamless, high-success-rate payments experience. This is about delivering the final, critical piece of the puzzle, enabling our merchants to unlock the next level of growth with total confidence and zero friction."

“I’m incredibly excited about this partnership in action. With GoKwik and PayU both now a seamless part of our commerce journey, the difference has been immediate and quantifiable,” says Ganesh Sonawane, Founder - Frido. “GoKwik's conversion intelligence gets customers ready, and PayU’s reliability ensures they complete the transaction without friction. Since integrating this stack, we have seen an encouraging conversion lift and a massive boost in transaction success rates. This is the integrated solution the D2C market needed to move from great growth to sustainable scale”.

For D2C merchants, this collaboration signifies the shift away from fragmented point solutions. It delivers a truly cohesive commerce experience, drastically reducing checkout-to-payment drop-offs and improving success rates; allowing brands to shift their focus from operational complexity to pure growth. This integrated approach is key to simplifying the commerce stack and supporting the sustainable scaling of the next generation of digital-first Indian brands.

The partnership also reflects a shared commitment to India’s D2C ecosystem, which continues to drive innovation, employment, and digital adoption across the country. By building solutions designed specifically for the realities of D2C commerce, PayU and GoKwik aim to empower the next generation of digital-first Indian brands.

About PayU

PayU, India's leading diversified fintech platform with Prosus as an investor, operates businesses that are regulated by the Reserve Bank of India and offers advanced solutions to meet the digital financial services needs of customers (merchants, banks, and consumers).

PayU provides payment gateway solutions to online businesses through its cutting-edge and award-winning technology and has empowered 4.5 lakhs+ businesses, including India’s leading enterprises, e-commerce giants and SMBs. It enables businesses to collect digital payments across 100+ online payment methods such as Credit Cards, Debit Cards, Net Banking, EMIs, pay-later, QR, UPI, Wallets, and more. It’s a preferred partner in the affordability ecosystem, offering the maximum coverage of issuers and easy-to-implement integrations across card-based EMIs, pay-later options and new-age cardless EMIs. PayU offers e-commerce brands best-in-industry success rates while ensuring a seamless checkout experience.

About GoKwik

GoKwik is an e-commerce enablement platform on a mission to democratize the shopping experience by helping 15000+ brands scale with higher conversion, lower RTO and higher conversations. With a network of over 200+ million shoppers, GoKwik offers full-stack solutions across the funnel, enabling brands to provide a seamless, lightning-fast shopping experience to their customers.

Upgrade to a new refrigerator this season with the Bajaj Finserv Easy EMI Loan

The good news is that upgrading doesn't have to mean a large one-time expense. The Bajaj Finserv Summer Sale makes it more affordable, with Easy EMI Loan of up to Rs. 5 lakh, seasonal discounts, and zero down payment on select models. Shoppers can head to their nearest Bajaj Finserv partner store — including Vijay Sales and Croma — to avail the financing options and take their new refrigerator home the same day.

Why eco-friendly refrigerators are worth considering?
The BEE star rating is a reliable indicator of energy efficiency — the higher the rating, the lower the power consumption. Since a refrigerator runs 24/7 and is opened frequently, a higher-rated model can meaningfully reduce long-term electricity costs. Selecting the right capacity is equally important, as an oversized or undersized fridge consumes more energy than necessary.

Top eco-friendly refrigerators available in March 2026
Shoppers can compare features, capacity, and type on Bajaj Mall before visiting a nearby partner store to finalise the purchase.

• Whirlpool 205 WDE CLS Single Door Refrigerator (184L) 

  • Price: Rs. 12,990 | EMI from: Rs. 859/month

  • Why it works: A compact 3-star model for small apartments — energy-conscious cooling without occupying too much kitchen space.

• Samsung Camellia Blue Single Door Refrigerator (223L) 

  • Price: Rs. 19,990 | EMI from: Rs. 1,535/month

  • Why it works: Digital Inverter Technology adjusts compressor speed based on cooling demand, reducing energy consumption and noise.

• LG Smart Inverter Double Door Refrigerator (242L) 

  • Price: Rs. 25,990 | EMI from: Rs. 1,542/month

  • Why it works: DoorCooling+ circulates cold air evenly across all shelves, maintaining consistent temperatures and reducing the compressor's workload.

• Samsung Convertible Double Door Refrigerator (322L) 

  • Price: Rs. 34,990 | EMI from: Rs. 2,433/month

  • Why it works: Five convertible modes allow adjustment of the fridge-to-freezer ratio, avoiding energy waste when full freezer capacity is not required.

• Haier Side-by-Side Refrigerator (596L) 

  • Price: Rs. 1,01,990 | EMI from: Rs. 5,200/month

  • Why it works: Twin cooling systems maintain independent temperatures across fresh and frozen sections, improving energy efficiency.

• LG InstaView Side-by-Side Refrigerator (635L) 

  • Price: Rs. 2,06,499 | EMI from: Rs. 11,400/month

  • Why it works: Knocking twice on the glass panel lets users see inside without opening the door, reducing cold air loss. UV Nano technology keeps the water dispenser hygienic without additional energy use.

*Disclaimer

The prices and EMIs mentioned may differ based on the variant, partner store, location, and promotional offer. Please visit your nearest partner store to find the latest offers and prices.

Limited-time offers on eco-friendly refrigerators

• Whirlpool — Up to 30% off on models priced Rs. 10,000 – Rs. 1,71,000, with EMIs starting from Rs. 859/month 

• LG — Up to 50% off on models priced Rs. 10,000 – Rs. 2,05,000, with EMIs starting from Rs. 875/month 

• Samsung — Up to 50% off on models priced Rs. 10,000 – Rs. 2,05,000, with EMIs starting from Rs. 1,290/month

Offers are limited-time and subject to change. Verify current availability at your nearest partner store.

How to buy a new refrigerator with Bajaj Finserv?
Splitting the cost of a new refrigerator into monthly instalments makes the upgrade far more manageable instead of making a large one-time payment. During the Summer Sale, shoppers can enjoy the following benefits:

• Browse on Bajaj Mall: Compare eco-friendly refrigerators by capacity, door type, star rating, and brand before visiting a store.

• Check pre-approved eligibility: The pre-approved loan limit can be verified on the Bajaj Finserv website using a registered mobile number and OTP verification.

• Find a partner store: Check shortlisted models at 1.5 lakh+ stores across 4,000+ cities.

• Check the model in person: In-store staff can assist with evaluating capacity, star rating, energy features, and build quality.

• Choose an EMI plan: Financing of up to Rs. 5 lakh is available through the Bajaj Finserv Insta EMI Card or Easy EMI Loan, with zero down payment on select models and tenures ranging from 1 to 60 months.

• Complete the purchase: Once approved, the transaction is processed instantly and the refrigerator can be taken home the same day.

With limited-time offers and exclusive deals during the Bajaj Finserv Summer Sale, March is a practical time to upgrade to an eco-friendly refrigerator.

About Bajaj Finance Limited
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. It 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.

To know more, visit www.bajajfinserv.in.

The key drivers for these assigned ratings are the organisation’s specialised capabilities in the education financing space, adequate and timely capitalisation to grow the business, a proven track record of disciplined execution with steady growth, a diversified funding profile, and strong asset-quality performance. Avanse adopts a liability-first approach as a core component of its business strategy. The company has established a robust organisational framework and a high-quality product portfolio designed to proactively meet the expectations of credit rating agencies and liability partners. It maintains a disciplined focus on asset-liability management, ensuring the timely servicing of all financial obligations.

Commenting on this development, Amit Gainda, Managing Director & CEO, Avanse Financial Services, said, “It’s a proud moment for team Avanse to receive these ratings from one of India’s leading credit rating agencies. These ratings demonstrate our effective implementation of the Governance, Risk, Compliance & Controllership (GRCC) framework, our liability-first philosophy, and our disciplined approach to financial and risk management. This milestone reflects our focus on creating value through efficient capital management and responsible lending practices, reinforcing our position as a trusted financing partner in empowering students to achieve their academic goals and strengthening the education ecosystem of the country.” 

Avanse remains committed to investing in human capital, processes, and technology to build a future-ready organisation. By leveraging data-driven insights and a customer-centric approach, the company aims to simplify and enhance education and education infrastructure financing, enabling students and institutions to access opportunities with greater confidence and efficiency.

As Avanse enters its next phase of growth, it will continue to prioritise responsible lending, disciplined risk management, and prudent capital allocation, driving sustainable expansion while creating long-term value for all stakeholders.

About Avanse Financial Services
Avanse Financial Services Limited is an education-focused non-banking financial company (NBFC) on a mission to make education financing seamless and affordable for every deserving Indian student. The company offers loans across three key segments:

• Student Loan - International – customised education financing solutions for Indian students pursuing undergraduate & postgraduate courses overseas 

• Education Loans Domestic – customised financing solutions for Indian students seeking higher education at domestic institutions. It also includes loans for professionals engaging in executive learning programs, as well as financing for both curriculum fees for students enrolled in accredited schools and non-curriculum fees associated with skilling programs, executive education, and test preparation courses, all in India.

• Educational Institution Loans – collateral-backed financing solutions to private educational institutions, generally K-12 schools, located in peripheral areas of tier I cities and in tier II and beyond cities in India

For more information, please click here. 

Make buying your AC simple and budget-friendly with a Bajaj Finserv Easy EMI Loan

The good news is that buying a new AC doesn’t have to strain your budget. With Bajaj Finserv Easy EMI loan, you can spread the cost of up to Rs. 5 lakh into manageable monthly instalments. Many models are available with zero down payment, making upgrades more accessible. Plus, during the Bajaj Finserv Summer Sale, you can explore a wide range of options at attractive prices.

How the wrong AC choice affects comfort and bills

Buying an AC without checking the right specs can lead to:

• High electricity bills

• Uneven cooling

• Frequent breakdowns

Avoid these common mistakes to make a smart, energy-efficient choice.

1. Picking the wrong AC size

• Too small: Runs constantly, struggles to cool, wastes energy.

• Too large: Cools unevenly and consumes extra electricity.

Always match AC capacity (tonnage) to your room size.

2. Ignoring Energy Star Ratings
Price matters, but so does efficiency. Higher BEE star-rated ACs cost more upfront but save significantly on electricity over time.

3. Overlooking Inverter Technology
Non-inverter ACs frequently switch on/off, consuming more power. Inverter ACs adjust compressor speed, making them quieter, faster, and energy-efficient.

4. Forgetting installation costs
Split ACs require professional installation, brackets, copper piping, and sometimes stabilizers. Include these costs in your budget.

5. Ignoring room conditions

• Direct sunlight, high ceilings, poor insulation, and number of occupants affect cooling.

• Don’t choose an AC based only on square footage—consider room environment too.

6. Skipping maintenance planning: Check service availability locally. Regular servicing ensures long-term performance and reliability.

7. Prioritising looks over performance: Sleek design is nice, but cooling efficiency, warranty, after-sales support, and spare part availability matter more.

Best-selling air conditioners to explore this summer

1. Samsung 1 Ton 3 Star Inverter Split AC (AR12CY3ZAGD)
Price: Rs. 31,490
EMI starting from: Rs. 1,749
Description: An ideal choice for smaller rooms, this model features Fast Cooling technology and a Triple Protector Plus system to guard against power surges without needing an external stabilizer.

2. Voltas 1.5 Ton 3 Star Inverter Split AC (183V Vectra Prism)
Price: Rs. 34,990
EMI starting from: Rs. 1,944
Description: A versatile all-rounder for the Indian summer, it offers Adjustable Cooling modes that allow you to run the AC at different tonnages based on the heat load or number of people in the room.

3. Daikin 1.5 Ton 3 Star Inverter Split AC (MTKL50U)
Price: Rs. 38,500
EMI starting from: Rs. 2,138
Description: Renowned for its Econo Mode and Coanda Airflow, this unit ensures cold air doesn't fall directly on your head but circulates evenly across the room for better comfort and efficiency.

4. Blue Star 1.5 Ton 4 Star Inverter Split AC (IA418YATU)
Price: Rs. 41,990
EMI starting from: Rs. 2,332
Description: This heavy-duty model is designed for extreme heat. It features a Turbo Cool mode for near-instant chilling and high-quality copper coils that are highly resistant to corrosion.

5. LG 1.5 Ton 5 Star AI Dual Inverter Split AC (TS-Q19YNZE)
Price: Rs. 46,500
EMI starting from: Rs. 2,583
Description: Its AI Dual Inverter senses room conditions to optimise cooling. It boasts a top-tier 5-star rating, meaning significant long-term savings on electricity bills.

Limited-time offers on electronics and appliances

Beat the heat smartly—get up to 60% off on ACs, with pocket-friendly EMIs starting at Rs. 830 per month and zero down payment.

* Disclaimer: Offers and EMI amounts may vary depending on location and partner store. For the latest prices and available deals, browse Bajaj Mall or visit a nearby Bajaj Finserv partner store.

Why should you buy an AC with Bajaj Finserv this summer
Purchasing an AC is easier when the cost is spread over monthly instalments:

• Browse online: Compare models, capacity, star rating, and features on Bajaj Mall.

• Visit partner stores: Check shortlisted models at 1.5 lakh+ stores across 4,000+ cities.

• Choose Easy EMI Loan: Finance up to Rs. 5 lakh with flexible repayment tenures; select models with zero down payment.

• Check eligibility online: Verify your pre-approved loan limit quickly with mobile number and OTP.

• Use the Insta EMI Network Card: Split your bill into EMIs instantly through a paperless process.

Avoiding common AC buying mistakes ensures your AC fits your room, budget, and comfort needs. With Bajaj Finserv Easy EMIs and Summer Sale offers, buying an energy-efficient AC in 2026 has never been easier.

Bajaj Finance Limited
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. It 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. 

To know more, visit www.bajajfinserv.in

Bajaj Finserv Personal Loan
 

In today’s fast-paced lifestyle, financial needs can arise at any moment. Whether it is a medical emergency, a wedding, a home renovation, travel plans or education expenses, a personal loan serves as a reliable financial solution. Bajaj Finance ensures that customers benefit from affordable borrowing by offering attractive personal loan interest rate structures and flexible repayment tenures, making repayments stress-free and manageable.
 

Competitive personal loan interest rate for easier borrowing

One of the key highlights of the Bajaj Finserv Personal Loan is the competitive personal loan interest rate offered to eligible applicants. The interest rates are structured to ensure affordability while maintaining clarity. By offering lower interest rates, Bajaj Finance helps customers reduce their overall borrowing cost, making it easier to repay the loan over time.
 

The personal loan interest rate is determined based on several factors, including income, employment type, credit score, repayment capacity, and existing financial commitments. Customers with a strong credit profile and stable income can benefit from lower rates, ensuring significant savings across the loan tenure.
 

Flexible repayment terms for better financial control

Bajaj Finance understands that every borrower has unique financial circumstances. To address this, the company offers flexible repayment tenures ranging from 12 months to 96 months. This allows customers to select a repayment plan that aligns with their income flow and financial goals.
 

Flexible terms enable borrowers to maintain comfortable EMIs without placing strain on their monthly budgets. By selecting an optimal tenure, customers can effectively manage their finances while enjoying the benefits of a low personal loan interest rate.
 

High loan amounts for diverse financial needs

Bajaj Finance offers personal loans ranging from Rs. 40,000 to Rs. 55 lakh, depending on the applicant’s eligibility. This wide range ensures that customers can fund both small and large expenses conveniently. Whether it is covering a short-term cash requirement or financing a major life event, Bajaj Finance provides solutions tailored to individual needs.
 

The easy application process and fast approvals further enhance the overall borrowing experience, allowing customers to access funds quickly and efficiently.
 

Quick and easy application process

Applying for a personal loan with Bajaj Finance is a simple and hassle-free experience. Customers can apply online by submitting basic personal and financial details. The digital process ensures faster verification and quicker approvals, significantly reducing turnaround time.
 

Once approved, funds are disbursed swiftly, often within 24 hours*, enabling customers to meet urgent financial needs without delays. Minimal documentation and a streamlined process further simplify the loan journey, ensuring a smooth experience from application to disbursal.
 

No collateral requirement for hassle-free borrowing

Bajaj Finance offers personal loans without the need for any collateral or security, allowing customers to access funds without pledging assets. This unsecured loan structure simplifies the application process, reduces documentation, and enables faster approvals, making borrowing more convenient and stress-free.
 

Eligibility criteria for a personal loan

Bajaj Finance offers personal loans to both salaried professionals and self-employed individuals who meet the eligibility requirements. Key eligibility factors include:

• Nationality: Indian

• Age: 21 years to 80 years*.

• Employed with: Public, private, or MNC.

• CIBIL Score: 650 or higher.

• Customer profile: Self-employed or salaried
   

*Applicants must be 80 years or younger at the end of the loan tenure.
 

Ideal use cases for a personal loan

A personal loan from Bajaj Finance can be used for a wide range of purposes, including:
 

Medical emergencies and healthcare expenses:

• A personal loan can help individuals manage unexpected medical costs, including hospitalisation, treatment, and post-care expenses, ensuring timely access to quality healthcare without financial strain.
   

Wedding and family celebrations:

• Personal loans enable families to comfortably manage wedding-related and festive expenses, including venue bookings, catering, décor, and travel, without disrupting long-term savings.
   

Travel and holiday planning:

• Borrowers can use personal loans to fund domestic or international travel, covering costs such as flights, accommodation, and experiences, while repaying in easy instalments.
   

Home renovation and repairs:

• From essential repairs to complete home makeovers, a personal loan provides financial flexibility to upgrade living spaces without delays.
   

Education and skill development:

• Personal loans can support education-related expenses, including course fees, certifications, and skill enhancement programmes, helping individuals invest in their professional growth.
   

Bajaj Finance continues to redefine personal lending by offering low-interest personal loans with flexible terms and quick disbursal. With competitive personal loan interest rate options, high loan amounts, and customer-centric policies, Bajaj Finance empowers individuals to fulfil their financial goals without unnecessary stress.
 

Whether planning a major expense or addressing an urgent financial need, customers can rely on Bajaj Finance for efficient, affordable, and dependable personal loan solutions.
 

*Terms and conditions apply
 

About Bajaj Finance Limited
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. It 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.

How to Plan Investments After Receiving a Bonus, Inheritance, or Asset Sale

Assess the surplus
Before diving into investments, pause to evaluate the funds at hand. Calculate your net amount after taxes and essentials: bonuses may attract TDS, inheritances may involve probate fees or estate duties, and asset sales may trigger capital gains tax. Investors may use part of the windfall to build an emergency fund covering 6-12 months' expenses through an overnight or liquid mutual fund to have convenient access to their money. They may also use some money to pay off high-interest debts such as credit cards. After this, the remaining sum could then be allocated strategically to align with their long-term financial objectives.

Lumpsum vs SIP: Core strategies
Deploying a windfall may demand choosing between lumpsum investing and SIP investment routes, each suiting different risk profiles and market views. A lumpsum calculator may be of help here—it simulates growth potential by inputting your bonus amount, expected rate of annual return, and time horizon of the investment. Investors may use free lumpsum calculators to assess various scenarios.

SIP investment, conversely, involves dividing the sum into monthly/quarterly instalments, mitigating timing risk via rupee-cost averaging. Investors could also adopt a hybrid approach by investing 50% of the surplus as lumpsum and the rest in an SIP.

Use a lumpsum calculator for precision
A lumpsum calculator helps demystify one-shot investing by projecting the potential projecting future using the compound interest formula:
A = P X (1+r)^n

Where:

• A = Final value of investment

• P = Initial investment amount (Principal)

• r = Annualized rate of return (in decimal, e.g., 10% = 0.10)

• n = Number of years

For example, if you invest Rs. 1,00,000 in a fund for five years and expected returns of 12% per annum.

A = 1,00,000 × (1+0.12)^5
A = 1,00,000 X 1.76
A = Rs. 1.76 lakh

Example for illustrative purposes only.

These figures are illustrative, not guaranteed, as markets fluctuate. However, the tool may help investors take data-driven and more informed decisions. 

The calculator is an aid, not a prediction tool. It may provide only an indicative picture. 

Practical steps 
Here are steps you may follow when investing an extra inflow of money. 

1. Define goals: Retirement? Children's education? You may list timelines and required corpus via goal-based calculators.
2. Run simulations: You may use lumpsum and SIP calculators to review various scenarios.
3. Invest: You may choose funds and an allocation strategy that aligns with your investment objectives and risk appetite.
4. Review annually: It is advised to review and rebalance investments regularly to maintain a suitable asset mix.
5. Seek advice: You may consult professional advisers for personalised plans and further guidance.

Conclusion
Receiving a windfall through a bonus, inheritance, or asset sale may mark a moment of investment reassessment in an investor’s journey. Thoughtful deployment of these extra funds may help you enhance your potential corpus. 

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

How investors can use a CAGR calculator to understand portfolio performance over time

For investments held over several years, this measure may help place potential outcomes in perspective rather than focusing on isolated periods. A CAGR calculator can help with estimating the returns earned on an investment. Understanding what a CAGR calculator reflects, and what it ignores, may help investors interpret portfolio results with relatively more clarity.

What CAGR represents in portfolio analysis

CAGR, or Compound Annual Growth Rate, represents the annualised rate at which an investment’s value grew over a defined period, assuming all returns were reinvested.

CAGR does not represent interim volatility, instead it shows the returns as a single annualised figure – the steady rate at which an investment would have theoretically grown year on year to arrive at the final amount. In reality, a portfolio may experience uneven gains and declines during the investment period yet still show a positive CAGR if the final value is higher than the starting value. In this sense, CAGR summarises the outcome rather than the actual return path.

This makes CAGR suitable for a quick assessment of a portfolios long-term performance, rather than a granular view of day-to-day volatility.

Why CAGR is commonly used for long-term portfolios

Over extended horizons, portfolio performance may be influenced by market cycles, economic changes, and shifts in sentiment. Year-on-year returns may therefore vary. A CAGR condenses this variability into a single annualised figure, which may be relatively easy to interpret across longer periods.

For mutual funds, performance communication often relies on CAGR because investors enter and exit schemes at different points. CAGR allows historical performance to be presented without assuming identical investment dates or cash-flow patterns. For this reason, CAGR is treated as a reporting metric rather than an indicator of future potential results.

It is important to note that CAGR reflects only starting and ending values. It does not capture interim drawdowns, recovery phases, or periods of stagnation.

Past performance may or may not be sustained in the future.

How a CAGR calculator works

A CAGR calculator typically requires three inputs:

• the initial investment value

• the final investment value

• the investment duration in years

Using these inputs, the calculator applies a mathematical formula to compute the annualised growth rate:

CAGR = (Ending Value / Beginning Value)^(1/n) − 1

Where:

Beginning Value = initial investment amount

Ending Value = value of the investment at the end of the period

n = number of years the investment is held

The result is typically expressed as a percentage by multiplying the outcome by 100.

For example, if an investment grows from Rs. 4,00,000 to Rs. 6,80,000 over a period of 7 years, the CAGR is calculated as:

CAGR = (6,80,000 / 4,00,000)^(1/7) − 1

This results in an approximate CAGR of 7.9% per annum, indicating that the investment’s value increased at an average annualised rate of about 7.9% over the seven-year period.

Example for illustrative purposes only. The calculator is an aid, not a prediction tool. It may provide only an indicative picture.

Interpreting CAGR alongside other measures

Although widely referenced, a CAGR calculator does not present a complete picture of portfolio behaviour. CAGR assumes a smooth growth trajectory, which may not reflect actual market movements. As a result, CAGR figures may be viewed alongside other measures such as rolling returns and risk-adjusted return metrics such as beta, standard deviation, information ratio and Sharpe ratio.

In mutual funds, two schemes may report the same CAGR, even though Fund A experienced sharp interim declines and Fund B saw relatively steady performance. This highlights why it is advised to interpret CAGR as a summary measure rather than a standalone assessment.

Using a CAGR calculator for comparisons

One relatively common application of a CAGR calculator is comparing portfolio outcomes across timeframes or strategies. By converting cumulative growth into an annualised rate, CAGR offers a common reference point.

Portfolios with different investment amounts or durations may still be assessed once CAGR is applied. However, such comparisons depend on consistent assumptions, as a CAGR calculator does not adjust for differences in risk, volatility, or liquidity.

Limitations to keep in mind

While useful, a CAGR calculator has certain limitations. It does not reflect the sequence of returns, assumes reinvestment at a uniform implied rate, does not account for volatility or drawdowns, and may mask periods of underperformance.

For portfolios built through staggered investments, such as Systematic Investment Plans (SIPs), CAGR may not fully represent individual cash-flow timing. In such cases, other measures, such as XIRR, may be referenced for added context.

Conclusion

A CAGR calculator is used for summarising portfolio performance over extended periods. By expressing growth as an annualised rate, it may help investors compare outcomes across different timeframes and investment approaches. When viewed alongside other performance measures and with knowledge of its potential assumptions, a CAGR calculator may help in understanding how a portfolio has evolved over time, without implying certainty about potential future results.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Make your air conditioner purchase more affordable with the Bajaj Finserv Easy EMI Loan

Buying a new air conditioner can feel like a big investment, but Bajaj Finserv makes it simple and affordable. With the Easy EMI Loan, customers can break down the cost into manageable monthly installments, choosing repayment tenures of up to 60 months. Many AC models are also available with zero down payment, making instant ownership possible. And with over 1.5 lakh partner stores across 4,000 cities, upgrading to a reliable cooling solution this season is both convenient and budget‑friendly.

What’s on offer this summer

Beat the heat without burning a hole in the pocket. Bajaj Finserv offers exclusive deals on premier AC brands tailored to different needs—whether prioritising eco‑friendly energy savings, cutting‑edge smart features, or powerful, consistent performance, there is an ideal cooling solution for every space.

Voltas ACs

• Discounts: Up to 52% off

• Deal offered: 1.5 Ton 5 Star Inverter Split AC at Rs. 37,490

• Models covered: 2024 and 2025 range

• Ideal for: Families seeking maximum savings with trusted performance

Daikin ACs

• Discounts: 36% – 41% off

• Deal offered: 1.5 Ton 3 Star models starting at Rs. 34,490

• Known for: Japanese precision and durability

• Ideal for: Homeowners who value long‑lasting quality and quiet cooling

LG ACs

• Discounts: Up to 30% off

• Special feature: AI convertible cooling adapts to room occupancy

• Ideal for: Tech savvy users who want smart, customised cooling with options like the LG 1.5‑ton air conditioner.

Who can avail these offers

These EMI plans are available to Bajaj Finserv EMI Network Card holders or those eligible for Easy EMI loan across India. Customers can check their pre‑approved loan eligibility by entering their mobile number online.

Disclaimer: The prices are subject to change and may vary by location or retailer. For the latest prices and offers, visit the nearest Bajaj Finserv partner store.

Why buy a new AC from Bajaj Finserv this summer

Upgrading to a high‑performance air conditioner has never been easier or more affordable. With Bajaj Finserv’s Summer Sale offers, customers can bring home the latest AC models through Easy EMIs, zero down payment schemes, and exclusive seasonal discounts designed to fit every budget.

To help buyers save even more, Bajaj Finserv offers the Maha Bachat Savings Calculator — a smart tool that combines brand discounts, dealer offers, and EMI benefits. It helps customers plan purchases efficiently while lowering the overall cost of ownership.

• Browse online: Explore a wide range of ACs from top brands like Voltas, Daikin, and LG on Bajaj Mall. Compare features such as inverter technology, star ratings, and cooling capacity.

• Visit partner stores: Experience models in person at any of the 1.5 lakh+ Bajaj Finserv partner stores across 4,000 cities, with expert guidance available.

• Opt for Easy EMI Loan: Finance up to Rs. 5 lakh with flexible tenures ranging from 3 to 60 months. Many AC models come with zero down payment for instant ownership.

• Check eligibility online: Quickly verify pre‑approved loan limits by entering a mobile number and OTP.

• Use Insta EMI Network Card: Existing cardholders can convert purchases into EMIs instantly with a paperless checkout process.

With trusted brands offering powerful, energy‑efficient ACs at exclusive prices — and Bajaj Finserv making ownership simple and budget‑friendly — this is the perfect time for families to upgrade their home cooling setup.

Bajaj Finance Limited

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. It 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. 

To know more, visit www.bajajfinserv.in.

An SIP facilitates regular investing, while an SWP enables regular withdrawals from your mutual fund scheme

Understanding how these two stages connect may help frame the broader lifecycle of mutual fund investing in India.

From accumulation to distribution
A Systematic Investment Plan (SIP) allows investors to invest fixed amounts at regular intervals into mutual fund schemes. Over time, these contributions and assumed potential returns interact under compounding principles, contributing to potential growth of the invested corpus.

Once a sufficient potential corpus is accumulated, investors may consider structured withdrawals instead of redeeming the entire investment at once. A Systematic Withdrawal Plan (SWP) permits periodic withdrawals of a fixed amount from a mutual fund scheme while the remaining balance continues to stay invested.

In this transition from potential growth to income, a Systematic Withdrawal Plan calculator serves as an estimation tool. It helps project how long a corpus might sustain periodic potential withdrawals under selected assumptions.

The calculator is an aid, not a prediction tool. It may provide only an indicative picture.

How a Systematic Withdrawal Plan calculator works
A Systematic Withdrawal Plan calculator typically requires the following inputs:

• Total investment amount or accumulated corpus.

• Withdrawal amount per interval.

• Assumed rate of return.

Based on these inputs, the calculator estimates how the corpus may decline or sustain itself over time after periodic withdrawals. In the Indian mutual fund framework, withdrawals under an SWP are treated as redemptions of units. Each withdrawal reduces the number of units held, while the remaining units continue to participate in market-linked movements.

The projection generated by a Systematic Withdrawal Plan calculator reflects potential outcomes derived from constant return assumptions. Since actual market performance may fluctuate, these projections remain illustrative rather than predictive.

Balancing withdrawal and potential growth
When linking an SIP with a withdrawal strategy, the relationship between contribution phase and income phase becomes central. The size of the potential corpus built during the accumulation stage can directly influence the sustainability of future withdrawals.

A Systematic Withdrawal Plan calculator allows investors to evaluate how different withdrawal amounts may affect the longevity of the potential corpus. Higher withdrawal levels may reduce the duration for which the corpus sustains income, while moderate withdrawals may allow the remaining balance to continue generating potential growth for a longer period.
Because potential returns in mutual funds are market-linked, the sustainability of withdrawals depends on the interplay between the potential withdrawal rate and assumed return rate. The calculator helps visualise this interaction within a structured model. Although, these calculations remain illustrative and not predictive. 

Understanding the role of assumed returns
The assumed annual return entered into a Systematic Withdrawal Plan calculator significantly influences the projections. If the assumed return rate exceeds the withdrawal rate over time, the potential corpus may sustain withdrawals over the long term. If potential withdrawals exceed assumed returns, the potential corpus may reduce relatively rapidly.

These projections are based on constant growth assumptions. For this reason, projections are typically interpreted as scenario illustrations rather than assurances.

Linking SIP accumulation with withdrawal planning
The transition from a Systematic Investment Plan to periodic withdrawals represents a shift in financial objectives. During the accumulation phase, the focus is on building potential growth. During the withdrawal phase, it shifts toward generating periodic income while ensuring relative stability of capital.

A Systematic Withdrawal Plan calculator helps bridge these stages by showing how the accumulated corpus from a Systematic Investment Plan might support regular withdrawals under selected assumptions. By adjusting withdrawal amounts or return expectations, investors may observe how projected sustainability changes across scenarios. This may help bring about awareness of trade-offs between income requirements and the potential longevity of the corpus.

Recognising structural limitations
While a Systematic Withdrawal Plan calculator offers a numerical projection, it operates on simplified assumptions. It typically assumes a fixed rate of return and consistent withdrawals. In reality, market movements influence unit values, and withdrawal timing may affect realised outcomes.

In India, mutual fund redemptions are also subject to applicable taxation and exit load structures, depending on scheme type and holding period. Such factors may not be reflected in basic calculator projections and may influence actual results.

Conclusion
A Systematic Investment Plan and a withdrawal strategy represent two interconnected stages of mutual fund investing. The accumulation phase focuses on building a potential corpus, while the distribution phase centres on generating potential periodic income.

A Systematic Withdrawal Plan calculator provides a structured way to examine how potentially accumulated investments may translate into potential income streams over time. Although projections remain dependent on selected assumptions, they may help illustrate how growth-oriented investing and income-oriented withdrawals may connect within the mutual fund framework without implying certainty about future performance.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Bajaj Finserv Personal Loan

With rising financial requirements driven by changing lifestyles, emergency expenses, education needs, and travel plans, customers increasingly seek faster and more convenient funding options. Bajaj Finance addresses this demand by offering a seamless, digital loan journey that ensures quick approvals, minimal documentation, and quick disbursal, all through a secure and user-friendly interface.

Fast and convenient loan application process
The approval process is supported by advanced analytics and verification tools. These capabilities enable customers to apply for personal loan online and receive quick eligibility decisions, eliminating long processing delays.

By simplifying the borrowing experience, Bajaj Finance ensures that customers can manage urgent financial requirements without procedural hurdles or extended waiting periods.

Personal loan app for seamless access
Customers can access instant personal loan services through the personal loan app, which offers a smooth and integrated borrowing experience. The app allows users to explore personalised loan offers, check eligibility, submit applications, and manage repayments from a single digital platform.

Designed with simplicity and ease of navigation in mind, the app enables applicants to complete the entire loan process within minutes. The platform also provides access to EMI calculators, repayment schedules, and account management tools, ensuring transparency and convenience throughout the loan lifecycle.

Key features of Bajaj Finserv Personal Loans
Bajaj Finserv Personal Loans come with a range of customer-focused features that support affordability, flexibility, and ease of access:

• Loan amounts starting from Rs. 40,000 and extending up to Rs. 55 lakh, subject to eligibility

• Flexible repayment tenures ranging from 12 months to 96 months

• Competitive interest rates designed to suit diverse borrower profiles

• Minimal documentation requirements

• Quick disbursal directly to the customer’s registered bank account

These features enable individuals to apply for personal loan confidently, ensuring that financial support is both timely and convenient.

Designed to address diverse financial needs
The instant personal loan offering is structured to cater to a broad spectrum of financial requirements. Customers can use the funds for medical treatments, higher education, wedding planning, travel expenses, home renovation, lifestyle upgrades, or debt consolidation.

By offering flexible loan amounts and repayment options, Bajaj Finance allows customers to select EMI plans that align with their income flow and financial goals. This approach encourages responsible borrowing while providing the flexibility needed to manage both planned and unexpected expenses effectively.

Simple process to apply for personal loan online
The digital process to apply for personal loan through Bajaj Finance is designed to be straightforward and efficient:

• To get started, the applicant can visit the Personal Loan page on the Bajaj Finserv website and click on ‘APPLY’.

• They will need to enter their 10-digit mobile number and verify it using the OTP sent to their phone.

• Next, they can fill in the application form with basic details related to their loan requirement.

• After that, they can click on ‘PROCEED’ to move to the loan selection page.

• Here, they can enter the loan amount they need and choose from the available personal loan variants.

• They can then select a comfortable repayment tenure, ranging from 12 months to 96 months, and click on ‘PROCEED’.

• Finally, they need to complete the KYC process and submit the application online.

This streamlined journey eliminates the need for branch visits, lengthy documentation, or complex procedures, offering a hassle-free borrowing experience.

Enabling financial planning and stability
Instant personal loans also support better financial planning by providing predictable repayment schedules and flexible tenures. Customers can structure their EMIs to align with monthly budgets, helping them maintain financial discipline while meeting personal and professional goals.

By offering quick access to credit combined with flexible repayment options, Bajaj Finance helps individuals manage short-term cash flow gaps and long-term financial commitments with greater confidence.

*Terms and conditions apply

About Bajaj Finance Limited
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. It 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.

KreditBee, India’s leading online credit solution provider, has successfully leveraged its partnership with Truecaller, the leading global communications platform to enhance customer interactions, continuing to build trust at every touchpoint.

KreditBee has consistently championed transparency, customer-centricity, and convenience in an industry where trust is paramount. The adoption of Truecaller’s Customer Experience Solution Suite marks another significant step in its mission to enhance customer confidence and engagement.

The implementation of Verified Business Caller ID enables KreditBee to display its brand name, logo, category, verification tick, and green badge, further eliminating uncertainty and reinforcing authenticity. Customer Experience capabilities like Call Reason enable customers to understand the context of incoming calls—whether it is about their KYC, loan disbursements, EMI reminders, or customer support —thereby enhancing transparency and engagement. KreditBee utilizes Truecaller’s Call Me Back capability, which enables customers to schedule preferred call-back slots, ensuring they never miss critical loan inquiries and loan payment reminders. This results in an uplift in loan disbursements and collections.

Speaking on the collaboration, Ajeet Kumar - Chief Operating Officer, Kreditbee "At KreditBee, trust, transparency and timelines have always been the drivers of our interaction with customers. Our collaboration with Truecaller adds an important layer to our existing communication framework, further strengthening our customer outreach. It reinforces secure, reliable and trustworthy lines of communication with our customers. With this partnership, we continue to raise the bar on security to ensure every interaction from KreditBee remains authentic and protected."

Speaking about the strategic partnership, Priyam Bose, Global Head of GTM and Developer Products at Truecaller, emphasized the shared vision of both companies to foster secure and efficient communication. "At Truecaller, our mission is to empower businesses by delivering seamless, secure, and contextually rich communication experiences that build trust and customer delight. We are thrilled to partner with KreditBee, India’s leading fintech platform, to enhance customer communication. Together, we are setting new standards for how trust, convenience, and digital innovation converge to shape the future of outcome-driven customer engagement.”

Truecaller’s Customer Experience Solution is trusted by over 3000+ businesses globally, delivering enhanced communication capabilities that promote brand recognition, build trust, and safeguard customers from scams and fraud.

About KreditBee

KreditBee, India’s leading online credit solution provider, caters to a vast user base of both salaried employees and self-employed individuals. By offering the convenience of personal loans, along with business loans, loans against property (LAP), two-wheeler loans, and other financial products KreditBee has tailored its services to meet individual requirements.

With a strong focus on online tech-based and data-centric KYC, KreditBee envisions solving the financial inclusion gap in the varied demographic segments of the country. The platform is a Series-D funded entity, backed by Advent International, Premji Invest, Motilal Oswal Alternates, TPG-NewQuest, Mitsubishi UFJ Financial Group, ICICI Bank, and Mirae Asset Venture Investments. The company serves the credit and other personal finance requirements through its in-house RBI-registered NBFC, KrazyBee Services Limited (a Systemically Important NBFC), along with partnerships with over 10 renowned financial institutions.

About Truecaller

Truecaller is an essential part of everyday communication for over 450 million active users worldwide, with more than one billion downloads since launch and 68 billion spam and fraud calls identified in 2025 alone. The company is headquartered in Stockholm and has been publicly listed on Nasdaq Stockholm since October 2021.

For more information, visit www.truecaller.com.

Ponmudi R, CEO - Enrich Money

A key industry-first innovation is the “Share Chart” feature, a real-time collaborative charting capability that allows users to draw trendlines, add analytical notes, and publish structured market views directly on a live chart. Unlike static screenshots that require repeated resharing, Share Chart enables multiple users across locations to view and engage on the same live chart simultaneously, creating a seamless, interactive, social-media-like analytical environment. By encouraging transparent, logic-based analysis and community learning, ORCA Chart aims to reduce dependency on unverified tips and speculative market predictions, fostering a more disciplined and education-driven trading ecosystem in India.

Building on this collaborative innovation, Enrich Money has launched an integrated trading community that allows users to share charts, exchange ideas, and receive real-time feedback from fellow traders—directly within the platform.

ORCA Chart is seamlessly integrated within ORCA, Enrich Money’s comprehensive all-in-one investment platform that brings together equities, F&O, commodities, ETFs, bonds, IPOs, and mutual funds under a single unified framework.

At a time when most stockbrokers in India rely on third-party charting solutions, Enrich Money stands among the select few to build and operate a fully in-house charting platform. This transition from fragmented external dependencies to a proprietary, India-built architecture enhances platform efficiency, lowers latency, and improves system stability—particularly during high-volatility and event-driven market sessions.

“Indian traders deserve technology that evolves at the speed of the markets,” said Ponmudi R, Founder & CEO, Enrich Money. “With ORCA, we have built a fully in-house, India-engineered ecosystem that combines speed, intelligence, and collaboration. By eliminating third-party dependencies and integrating AI-driven insights with real-time execution, we are empowering traders with greater control, deeper market understanding, and a platform truly aligned with India’s unique market dynamics.”

Built entirely in India, the integrated technology stack unifies charting, real-time market data streaming, advanced analytics, AI-driven intelligence, onboarding, and trader collaboration into a single high-performance ecosystem engineered for speed, control, scalability, and reliability across asset classes.

Designed from the ground up for rapid rendering and precision execution, ORCA’s proprietary charting engine supports advanced technical studies with exceptional speed and accuracy. The platform also features Scalper Mode, enabling one-click trade execution directly from the charts and eliminating the delays commonly associated with external charting engines—thereby improving decision-making speed and execution efficiency for active traders.

ORCA is Enrich Money’s most advanced AI-driven investment platform, powered by intelligent engines that continuously monitor price action, volatility, and news triggers. By delivering real-time market insights and instant alerts on key movements, the platform enables traders to respond swiftly and confidently to evolving market conditions.

The platform also introduced an AI-driven Strategy Builder, designed to help traders create, test, and refine trading and options strategies using real-time, data-driven outputs. This empowers users to move from idea generation to structured execution with greater precision and confidence. In addition, ORCA offers AI-based fundamental analysis that simplifies complex financial data into clear, decision-ready insights—helping investors evaluate opportunities with clarity and speed.
Further enhancing the user experience, the platform features an AI-driven KYC workflow that enables fast, fully digital account opening within just two minutes, while remaining fully aligned with SEBI compliance requirements. Last year, Enrich Money became the first distributor in India to introduce mutual fund SIPs starting at just INR 10 on its ORCA App—democratizing access to disciplined investing at an unprecedented scale. Unlike platforms that restrict INR 10 SIPs to select in-house offerings, Enrich Money enables investors to start with just INR 10 across multiple mutual fund AMCs through ONDC integration.

This pioneering initiative has significantly lowered the entry barrier to wealth creation, bringing mutual fund investing within reach of millions—particularly in Tier-2 and Tier-3 cities and among first-time investors. By combining accessibility, technology, and choice, Enrich Money continues to empower a new generation of Indians to take meaningful steps toward achieving their financial goals and aspirations. (ENDs) 

About Enrich Money 
Enrich Money is a SEBI-registered wealth-tech platform dedicated to simplifying investing and trading. Its flagship ORCA App combines low-cost access, advanced analytics, and seamless execution to empower retail investors across India. With INR 10 SIPs and ONDC-enabled access, Enrich Money is redefining wealth creation by fostering disciplined investment habits for India’s next generation of investors. The company’s latest innovation, Trade Mode, further strengthens its offering by catering to diverse sections of traders with specialized workspaces, faster execution, and advanced strategy-building tools.

Stable Money x ONDC
 

The surge comes at a time when market uncertainty is pushing more Indians towards regulated gold and silver exposure through exchange-traded funds, moving away from physical holdings or unregulated alternatives.
 

Stable Money operates on ONDC, an open digital infrastructure that enables platforms to reach investors across the country without being locked into closed ecosystems. By leveraging ONDC's interoperable network, Stable Money offers seamless access to SEBI-regulated mutual funds and ETFs - making it easier for investors to access trusted financial products. This alignment reflects a shared vision: democratising access to regulated investments through open, transparent infrastructure.
 

With precious metal prices hovering near multi-year highs and ongoing global economic uncertainty, investors are increasingly favouring SEBI-regulated gold and silver ETFs for their transparency, ease of access, and regulatory oversight. Stable Money has recorded its highest monthly transaction volumes in these asset classes, reflecting a clear shift in investor preference toward products they can trust. ONDC saw nearly 1,50,000 transactions in Jan ‘26, closing at an AUM of INR 72 Crores.
 

"When markets are uncertain, investors want products and platforms they can trust - and the numbers show it. We're seeing our highest transaction volumes ever in gold and silver ETFs because people are choosing SEBI-regulated products over physical holdings or unregulated options. They want transparency, safety, and easy access all in one place. By operating on open infrastructure like ONDC and focusing exclusively on regulated investments, we're able to meet that demand at scale without locking investors into closed ecosystems,” said Saurabh Jain, Co-founder and CEO, Stable Money.
 

Hrushikesh Mehta, SVP - Financial Services at ONDC, said, “Stable Money’s activity on the ONDC Network reflects growing adoption of open, interoperable infrastructure within financial services. Participation at this scale indicates increasing maturity of network-led distribution models. It also points to broader access to regulated investment products across platforms. This represents an important phase in the evolution of open digital networks.”
 

This growing preference is clearly reflected across Stable Money’s 30 lakh-strong user base, where the platform has recorded its highest-ever transaction volumes in gold and silver ETFs. By leveraging open digital infrastructure such as ONDC and maintaining a focused approach on regulated investments, Stable Money is well-positioned to meet this demand at scale while keeping investor choice and trust at the core.
 

About Stable Money

Stable Money is India’s leading fixed-income investment platform that enables individuals to earn stable and secure returns through fixed deposits, bonds via Stable Bonds, and other low-risk instruments. Founded in 2022, the platform has built a user base of over 30 lakh investors and facilitated more than Rs. 4,000 crore in investments with a simple, trusted, and transparent digital experience. The company has raised $40 million from top investors, including Z47, Fundamentum, Lightspeed, and RTP Global, along with prominent angel investors such as Sriharsha Majety (Swiggy), Kunal Bahl, and Rohit Bansal (Snapdeal).
 

For more information, please visit www.stablemoney.in.

About ONDC
Incorporated on 30th December 2021, the Open Network for Digital Commerce (ONDC) is a Section 8 company established by the Department for Promotion of Industry and Internal Trade (DPIIT), Ministry of Commerce and Industry, Government of India. ONDC aims to create a transformative digital infrastructure that enables open, unbundled, and interoperable network for commerce in India.
 

It is not an application, platform, intermediary, or software, but a set of specifications designed to foster inclusive and collaborative digital ecosystems.
 

To know more, visit ondc.org.

A compound interest calculator helps you visualize the power of compounding

A compound interest calculator offers a structured way to examine this behaviour. By placing reinvestment and withdrawal scenarios side by side, it helps illustrate how potential outcomes may differ as time progresses. 

This approach may support understanding of how reinvestment interacts with time in a long-term investing context. Such tools may be used for comparison and illustration and not for predicting potential conclusions.

Reinvestment as a repeated choice
Reinvestment refers to allowing interest, dividends, or gains to remain invested instead of being withdrawn. In the short-term, this choice may not appear to alter much. Over longer periods, however, its influence may become more noticeable with each reinvestment cycle. This process may be particularly relevant in market-linked investments, where potential returns are uneven and distributed across cycles.

 
Compounding has the potential to be more effective when investments remain invested for longer durations. Discussion around compounding may revolve around consistency and on how it functions across extended periods, rather than on frequent action. 
Visualising reinvestment using a compound interest calculator.

Because compounding unfolds gradually, its effects may not be intuitive. A compound interest calculator may help translate this process into comparable figures.

For example, when earnings are withdrawn periodically, the investment may have less capital available for compounding, which can limit long-term growth. When earnings are reinvested instead, the base amount increases over time, allowing compounding to potentially accelerate the growth trajectory. Comparing these scenarios could help investors observe how reinvestment could influence potential outcomes, even when calculation assumptions remain unchanged.

Actual results may vary from the calculations as they’re only illustrative and not conclusive. Instead, they provide a way to explore how different behavioural choices may interact with time. 

The calculator is an aid, not a prediction tool. It may provide only an indicative picture. 

The power of compounding
The power of compounding describes how potential earnings, when retained, may generate additional potential income over time. As this process repeats, its effect might become more visible across longer periods, particularly when reinvestment remains uninterrupted.

In investment discussions, the power of compounding may commonly be associated with:

• Long-term equity investments.

• Retirement-focused planning.

• Regular investment approaches that place importance on discipline.

These associations arise because time and consistency play a central role in compounding. However, compounding does not operate independently of potential risk or market variability.

Compounding neither reduces uncertainty nor guarantee favourable outcomes. Market-linked investments remain subject to risks. However, the power of compounding gives investments the potential to grow significantly in the long run. 

How withdrawals influence the pattern
When potential earnings are withdrawn, part of the compounding process is interrupted. This does not suggest that withdrawals are inappropriate, as individual financial needs may vary across life stages. From a numerical perspective, however, withdrawals reduce the potential amount that remains available for future compounding.

A compound interest calculator may help compare scenarios with and without withdrawals. Over extended periods, even relatively modest interruptions may lead to noticeably different outcomes. These differences may become relatively clearer when viewed across longer horizons rather than shorter intervals.

The impact of withdrawals is therefore less about timing individual decisions and more about how frequently the compounding process is allowed to continue uninterrupted.

Conclusion
Reinvestment does not imply certainty of potential results. It represents a framework shaped by time, behaviour, and potential expectations. By understanding the power of compounding and using a compound interest calculator to visualise different scenarios, investors may gain insight into how repeated decisions might potentially accumulate over long horizons.

In some cases, the decision to reinvest may not feel significant at the moment it is made. Over longer periods, its effects may become more visible as potential outcomes gradually take shape, without requiring relatively frequent intervention.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Step-up SIP: A step-up SIP allows you to increase your SIP contributions at regular intervals

A step up SIP calculator could help provide a way to examine how incremental changes in SIP contributions may influence the overall investment journey.

What a step-up SIP is designed to reflect
An SIP allows you to invest in a mutual fund scheme in regular instalments – daily, weekly, monthly etc. A step-up SIP involves increasing the SIP contribution at predefined intervals (example, an annual 8% step-up). The increase is usually expressed as a percentage of the existing SIP amount. While salary growth may be frequently used as a reference point, the step-up itself remains a voluntary adjustment rather than an automatic one.

A step-up does not alter the structure or risk profile of the underlying mutual fund scheme. The investment continues within the same scheme, following the same asset allocation and market exposure. The only variable that changes is the contribution amount, which affects the pace at which the capital is added over time.

Exploring contribution paths using a step-up SIP calculator
A step-up SIP calculator is a planning tool that helps estimate how your corpus may potentially grow if you increase your contribution by a fixed percentage each year. It typically requires you to enter your starting SIP amount, expected annual step-up rate, investment duration, and an assumed rate of return, and then calculates an illustrative future value based on compounding.

Since future income changes and market performance cannot be predicted with certainty, the results shown are based on hypothetical scenarios and fixed return assumptions that may not play out in real life. For example, comparing a modest annual step-up rate with a higher one may show how contribution totals and estimated corpus values differ over longer periods. These illustrations do not guarantee outcomes, but may help visualise how small annual increases can accumulate gradually over time.

Common uses of a step-up SIP calculator include:

• Observing how stepped contributions may accumulate relative to a flat SIP

• Comparing conservative and higher step-up percentages

• Understanding how contribution growth interacts with time and compounding

Overall, the calculator should be viewed as an aid for comparison and planning rather than a precise prediction tool.

The calculator is an aid, not a prediction tool. It may provide only an indicative picture.

Linking step-ups to salary growth
Salary growth is not always steady or predictable. In some years, increments may be significant, while in others, income may remain unchanged. Due to this variability, increasing SIP contributions strictly in line with salary hikes may not always be practical.

Instead, step-ups may be considered after evaluating changes in expenses, savings goals, and liquidity requirements. Rather than mechanically matching salary growth, the decision to step up a SIP usually reflects how much additional surplus income an investor is able to allocate towards investments. A step-up SIP calculator may help explore this under different assumptions, including periods where step-ups are paused or reduced.

Role of a mutual fund scheme
While step-ups influence how much amount is invested, the behaviour of the investment depends on the selected mutual fund scheme and market conditions. Equity-oriented schemes may experience higher variability, while debt-oriented schemes potentially offer relatively stable outcomes. These attributes remain unchanged regardless of whether contributions are stepped up.

As a result, step-up decisions are usually considered alongside factors such as investment horizon, risk tolerance, and the nature of the chosen mutual fund scheme, rather than as a standalone choice.

Limits of step-up planning
Step-up SIPs do not reduce market risk or volatility. Market-linked investments continue to be subject to fluctuations, and higher contributions do not change this underlying reality. Step-ups also do not ensure favourable results, as potential outcomes depend on multiple variables beyond contribution levels.

Recognising these limits may help keep realistic expectations. Step-ups are advised to be viewed as a way to adjust contribution behaviour, not as a mechanism to influence potential market performance.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Bajaj Finserv Personal Loan

1. Eligibility criteria
Before applying for an instant personal loan, it is essential to understand the eligibility requirements. Customers can apply for a Bajaj Finserv Personal Loan if they meet a few basic conditions, such as

• Nationality: Indian

• Age: 21 years to 80 years*.

• Employed with: Public, private, or MNC.

• CIBIL Score: 650 or higher.

• Customer profile: Self-employed or salaried

*Applicants must be 80 years or younger, at the end of the loan tenure.

2. Choose a reputed and trustworthy financial partner
Selecting a reputed and trustworthy financial partner is essential when applying for an instant personal loan. A reliable institution ensures transparency, data security, and smooth service throughout the loan journey. Bajaj Finance Limited stands out for its strong customer-centric approach, offering quick approvals, funds disbursal within 24 hours*, and seamless digital processes. In addition, its extensive branch network and dedicated customer support provide both online and offline assistance, ensuring personalised service at every step. Choosing a trusted financial partner like Bajaj Finance helps customers enjoy a hassle-free borrowing experience, backed by reliable support and efficient service.

3. Interest rates 
With Bajaj Finance, customers can avail an instant personal loan with interest rates starting from 10% p.a.* This ensures affordable monthly repayments while providing timely financial support. Additionally, processing fees, which are usually a small percentage of the loan amount, should be considered. Understanding these costs beforehand helps borrowers plan their repayments efficiently and avoid surprises.

4. Loan amount and repayment tenure
With Bajaj Finance, customers can apply for an instant personal loan ranging from Rs. 40,000 to Rs. 55 lakh, with a repayment tenure of 12 months to 96 months. Funds can be disbursed within 24 hours*, providing quick access to financial support when needed. Using a personal loan EMI calculator, applicants can easily estimate monthly payments based on loan amount, tenure, and interest rate, helping them plan their finances effectively and achieve their objectives with ease.

5. Terms and conditions
Finally, reviewing the terms and conditions of the loan is indispensable. This includes prepayment charges, late payment penalties, and any hidden fees that could add to the cost. Understanding the fine print ensures transparency and helps borrowers avoid financial stress in the long run. 

Conclusion
An instant personal loan can provide a timely financial boost for various needs, including medical emergencies, home renovations, or travel plans. However, careful consideration of eligibility, interest rates, loan amount, and terms ensures a smooth borrowing experience. Using tools like a personal loan EMI calculator allows applicants to plan their repayments effectively, ensuring financial well-being while leveraging the convenience of instant loans.

By taking these precautions, customers can confidently apply for a personal loan and achieve their goals without compromising their financial stability.

*Terms and conditions apply

About Bajaj Finance Limited
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. It 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.

PayU, India’s leading diversified fintech platform, today announced the launch of inFINity 3.0, the most ambitious and comprehensive edition of its fintech accelerator program to date. Designed for early-stage fintech startups, the latest edition of inFINity offers a high-octane opportunity for founders to validate product–market fit, sharpen Go-To-Market strategies, unlock distribution access, and build for institutional scale. As part of inFINity 3.0, PayU has partnered with Atrium Ventures, a micro venture capital firm, to provide select startups with direct exposure to early institutional capital. Atrium Ventures will mentor the cohort and actively participate in Demo Day, creating pathways for startups to pursue potential investment opportunities. Additionally, AWS continues as the Official Cloud Partner for inFINity 3.0, providing participating startups access to cloud infrastructure, technical enablement, and AWS Activate credits.
 

Applications for inFINity 3.0 are open until 6th March 2026 for early-stage fintech startups. Apply now

What does inFINity 3.0 offer:

• Fast-track to market through PayU’s ecosystem: Participants gain structured access to PayU’s bespoke payments solutions, merchant network, and banking partners. This enables faster pilots and real customer traction.

• Intensive four-week acceleration sprint: inFINity 3.0 runs a structured four-week sprint focused on Go-To-Market strategy, compliance navigation, scale, and making them investment ready—compressing months of learning into weeks

• 1:1 mentorship from fintech founders and ecosystem leaders: Founders receive direct guidance from PayU leaders, and domain experts who have built and scaled fintech businesses in India’s regulated markets.

• High-Impact Bootcamp and Demo Day hosted in India’s startup capital: The program culminates into an intensive 1.5-day Bootcamp and Demo Day in Bengaluru, featuring curated interactions with select fintech-founders, investors, and ecosystem partners.

As additional benefits, the selected cohort will also unlock up to $10,000 in AWS Cloud Credits per startup (subject to eligibility) *⁽¹⁾, alongside exclusive masterclasses from industry stalwarts such as Umang Kumar, Co-founder & CEO, Cardekho SEA, and Nitin Jain, Co-founder, Ofbusiness.

"India's fintech ecosystem is at an inflection point, with budding founders solving real problems and driving economic impact at scale," said Anirban Mukherjee, CEO, PayU. "Through inFINity, our endeavor is to mentor these innovators and connect them with the right investors and strategic ecosystem partners they need to scale. It isn’t a strategy; it's our way of giving back to the ecosystem that's reshaping India's financial future. This is just a beginning, and we’ll continue building more ambitious initiatives to support our vision of nurturing the country’s fintech entrepreneurs.”

inFINity 3.0 builds on the extraordinary success of its first two editions that collectively received 1,000+ applications. Over the last two editions, the program has seen tangible outcomes such as distribution partnerships, commercial pilots, and increased investor readiness.

Program Timelines and Participation Criteria:

Applications for inFINity 3.0 are currently open and the last date to apply is 6^th March 2026. Upon application closure, a four-week acceleration program will run throughout March 2026, culminating in an intensive 1.5-day Bootcamp and Demo Day in Bangalore during the third week of April 2026.

The application is open for early-stage fintech startups that have raised less than $5 million and are seeking seed to Series A funding.

Beyond inFINity, PayU has built one of India’s most comprehensive startup ecosystems, supporting founders across stages through PayU for Startups — enabling seamless payments, credit access, and scalable financial infrastructure. PayU has also partnered with government ecosystem enablers such as Startup India, DPIIT, state startup bodies including Karnataka and Uttar Pradesh, along with banking institutions such as IDFC FIRST Bank, to deliver tailored financial and payment solutions for startups, particularly beyond metro cities.

For more details, visit: www.infinitynow.tech

About PayU

PayU, India's leading diversified fintech platform with Prosus as an investor, operates businesses that are regulated by the Reserve Bank of India and offers advanced solutions to meet the digital financial services needs of customers (merchants, banks, and consumers).

PayU provides payment gateway solutions to online businesses through its cutting-edge and award-winning technology and has empowered 4.5 lakhs+ businesses, including India’s leading enterprises, e-commerce giants and SMBs. It enables businesses to collect digital payments across 100+ online payment methods such as Credit Cards, Debit Cards, Net Banking, EMIs, pay-later, QR, UPI, Wallets, and more. It’s a preferred partner in the affordability ecosystem, offering the maximum coverage of issuers and easy-to-implement integrations across card-based EMIs, pay-later options and new-age cardless EMIs. PayU offers e-commerce brands best-in-industry success rates while ensuring a seamless checkout experience.

According to “The Personal Loan Story” released by Paisabazaar, 11% borrowers in India took a personal loan to meet emergency healthcare and medical expenses, with the share rising to 14% in Tier 1. The same stood at 10% in Tier 2 and 8% in Tier 3. The insight clearly points to low health insurance penetration and rising medical costs leading to dependence on personal loans during medical emergencies.

The report is based on in-depth interviews with 2889 personal loan borrowers across 23 cities and towns, offering insights into key borrowing triggers, preferences, decision drivers, and awareness levels across regions, city tiers, and age groups in India.

Along with medical needs, borrowers cited essential day-to-day essential expenses, urgent home repairs, and wedding or celebratory events as the most common reasons for availing personal loans.
 

Key Highlights of the report

• Borrowing is no longer driven only by need. 48% took personal loans for essential requirements, while 36% borrowed to fund aspirations and 16% for business investments.

• Tier 3 borrowers are 2.4x more likely to borrow for daily needs than Tier 1 borrowers.

• Apart from self-employed borrowing for business investments, salaried individuals (9%) are also leveraging personal loans to fund family/side businesses or passion projects.

• Middle-income India is the most credit-active for aspirational led borrowing. Borrowers earning between Rs. 7.5 to 10 lakh annually show the highest lifestyle borrowing at 40%.

• Credit is being used for life events, with 11% of borrowers financing weddings and celebrations, led by Tier 1 cities at 14%.

• Despite the growth of online loans, many still rely on offline channels for borrowing. Only 32% availed personal loans online

• Impulse borrowing is becoming mainstream, with 25% of borrowers skipping evaluation of other credit alternatives, a behaviour most pronounced among Gen Z at 31%.

Santosh Agarwal, CEO, Paisabazaar, said, “Borrowing decisions today are shaped as much by life events, aspirations and urgency as by interest rates or eligibility. This study is our effort to move beyond transactional data and better understand the motivation and behaviour behind borrower decisions. As consumer behaviour evolves rapidly, it is becoming increasingly important for the ecosystem to understand these shifts and enable responsible, transparent and inclusive credit delivery.”

The study also revealed that post-purchase experience was rated “good” or “very good” by a remarkable 91% of borrowers. Speed was the single strongest driver of satisfaction across both offline (58%) and online channels (57%), followed by simplified processes and less paperwork, reinforcing the premium consumers place on efficiency over form.
 

In terms of credit understanding, the report also shed light on how Indians, though majorly credit aware, are yet to grasp the full depth and breadth of credit intricacies. 98% knew what a credit score is, but only a mere 7% fully understood how it affected their loan approval and pricing.

Download the full report:
www.paisabazaar.com/wp-content/uploads/2017/10/The-Personal-Loan-Story-Paisabazaar.pdf

About Paisabazaar
Paisabazaar, a part of PB Fintech (listed since 2021), is India’s largest marketplace for consumer credit and free credit score. Over the last 11 years, Paisabazaar has earned the trust of over 55 million consumers. Paisabazaar has built 65+ partnerships withBanks, NBFCs, and fintechs to offer a broad range of credit products. Paisabazaar is ISO (27001:2013) and PCI DSS certified organisation, with industry-best controls, to safeguard the best interest of consumers.

Understanding mutual funds as a structured investment option

This structure may help investors participate in the markets in a more organised manner while relying on professional fund management.

What mutual funds represent in an investment journey

At their core, mutual funds are collective investment vehicles. Each investor holds units that represent a proportionate share of the scheme’s portfolio. The value of these units fluctuates based on the market value of the underlying assets. This structure may suit individuals who prefer a managed approach rather than tracking and transacting in individual securities themselves.

Mutual funds are offered across categories to align with varying investment horizons and risk profiles. These categories may include equity-oriented schemes, debt-oriented schemes, and hybrid schemes. The suitability of any category depends on factors such as financial objectives, time horizon, and comfort with market volatility.

How diversification plays a role
One of the key structural features of mutual funds is diversification. By investing across multiple securities, sectors, or maturities, a scheme may reduce the impact of adverse movement in a single investment. This does not eliminate risk, but the likelihood of concentration-related volatility may reduce when investments are spread across assets.

Diversification works differently across categories. For instance, equity-oriented schemes may diversify across industries, while debt-oriented schemes may diversify across issuers and maturity profiles. Investors may choose schemes based on how this diversification aligns with their expectations and financial planning approach.

Investment approaches within mutual funds
Investors may participate in mutual funds through different investment methods. A lump sum approach involves investing a larger amount at one time, while an SIP allows investments at regular intervals. An SIP may suit individuals who prefer staggered investments over time rather than committing a larger amount upfront.

The choice between these approaches may depend on cash flow patterns, market conditions, and personal preference. It is important to note that each method carries market-related risks and outcomes may vary.

Understanding returns and performance measurement
Returns from mutual funds depend on multiple factors, including asset allocation, market movement, and expense ratios. Performance is generally measured over different time frames to provide context on how the scheme has behaved historically.

While historical data may offer perspective, it should not be viewed in isolation. Investors often compare scheme performance against benchmarks or peer averages to understand relative behaviour, though such comparisons are indicative and not predictive.

Past performance may or may not be sustained in future.

Costs and expense considerations
Mutual funds charge an expense ratio, which covers fund management and operational costs. This expense is deducted from the scheme’s assets and may impact overall returns over time. Lower expenses do not automatically translate to better outcomes, but understanding cost structures may help investors make informed comparisons.

Direct and regular plans also differ in expense structures, which may influence long-term outcomes. Investors may review these aspects based on their investment approach and preference for advisory support.

Role of risk and time horizon
All mutual funds are subject to market risks. Equity-oriented schemes may exhibit higher volatility over shorter periods, while debt-oriented schemes may be sensitive to interest rate movements and credit risk. Hybrid schemes combine elements of both, but still carry market-linked uncertainty.

The time horizon plays a significant role in how these risks manifest. Longer investment horizons may allow periods of volatility to smoothen out, whereas shorter horizons may be more sensitive to market fluctuations. Aligning investment horizons with scheme characteristics is an important consideration.

Using tools to estimate potential outcomes
Investors sometimes use tools such as a mutual fund returns calculator to estimate how an investment amount might grow over time under assumed return scenarios. Such tools typically allow users to input variables like investment amount, duration, and expected rate of return to generate illustrative projections.

The calculator is an aid, not a prediction tool. It may provide only an indicative picture.

While a mutual fund returns calculator may help in visualising potential outcomes, it does not account for real-time market conditions or future uncertainties. These projections should therefore be viewed as broad illustrations rather than forecasts.

Factors investors may evaluate before choosing mutual funds
Before selecting mutual funds, investors often evaluate multiple aspects such as scheme objective, asset allocation, historical behaviour across market cycles, expense ratios, and alignment with personal financial goals. Risk appetite and liquidity needs also influence this evaluation.

It may be useful to review scheme documents carefully to understand how the fund is structured and managed. Decisions are generally more effective when made in the context of an overall financial plan rather than in isolation.

Conclusion
Mutual funds offer a structured way to participate in financial markets across different asset classes and investment styles. Their diversified nature, professional management, and variety of categories may suit investors with varying objectives and horizons. However, outcomes remain linked to market movements and individual scheme characteristics. A thoughtful evaluation of goals, risk tolerance, and time horizon, along with a clear understanding of how mutual funds function, may support more informed investment decisions.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Simple interest calculator

What simple interest means in everyday terms
Simple interest is calculated only on the original amount invested, also known as the principal. The interest earned does not compound or earn further interest. This makes it easier to understand and predict.

For example, if a sum is invested at a fixed rate for a fixed period, the interest is calculated once on the principal for the entire duration.
For illustrative purpose only

Because of this linear structure, simple interest is often used for short-term instruments or basic learning purposes, rather than long-term wealth planning.

How a simple interest calculator works
A simple interest calculator uses three basic inputs: principal amount, rate of interest, and time. Based on these, it shows the interest earned and the total value at the end of the period.

The calculation follows a standard formula, which keeps outcomes predictable and easy to interpret. This makes the simple interest calculator suitable for understanding time-value concepts without market variables.

The calculator is an aid, not a prediction tool. It may provide only an indicative picture.

Why understanding simple interest may still matter
While mutual funds do not operate on simple interest, understanding this concept may help you build financial clarity. It shows how time and rate influence outcomes in a direct manner, without compounding effects.

This clarity may be useful when comparing different savings and investment options. It may also help you recognise why long-term market-linked investments behave differently from fixed-return instruments.

Comparing simple interest with market-linked investing
Simple interest offers certainty in calculation, but it does not reflect how mutual funds work. Mutual fund returns depend on market movements and portfolio performance.

performance: Past performance may or may not be sustained in future.

Unlike simple interest, mutual fund returns may vary year to year. Over longer periods, compounding plays a role, which is not captured in simple interest calculations. Understanding this distinction may help you set suitable expectations and avoid comparing unrelated return structures.

Using a simple interest calculator for basic planning
You may choose to use a simple interest calculator when planning short-term goals or understanding how fixed-rate products behave. It may also help in estimating interest from basic lending or savings arrangements.

The calculator is an aid, not a prediction tool. It may provide only an indicative picture.

However, it is generally not used to evaluate mutual fund investments, as these involve varying returns and compounding over time.

Where mutual funds fit into the picture
Mutual funds are managed investment products where money is invested across assets such as equity or debt, depending on the scheme objective. An asset management company oversees these investments, following stated mandates and regulatory frameworks.

Unlike simple interest-based products, mutual funds do not promise fixed outcomes. Returns depend on multiple factors including market conditions, asset allocation, and time horizon. Understanding simple interest first may help you appreciate why mutual fund outcomes are not linear.

Understanding the role of an asset management company
An asset management company is responsible for managing mutual fund schemes and making investment decisions in line with the scheme objective. The company appoints fund managers, ensures compliance, and handles day-to-day operations.

The asset management company does not guarantee returns. Its role is to manage investments professionally within defined risk parameters, while outcomes remain linked to market performance.

Conclusion
A simple interest calculator is a useful learning tool for understanding basic interest concepts and linear growth. It may help build financial awareness and provide clarity on how time and rate influence money. However, mutual fund investing operates differently, with returns linked to markets and compounding over time. Understanding this distinction may help you approach investments with more informed expectations and a suitable perspective.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.