Since inception, the fund has outperformed its benchmark, BSE 500 TRI, by 3.85 percentage points under the Regular Plan and 5.47 percentage points under the Direct Plan

Bajaj Finserv Flexi Cap Fund follows a megatrend investing strategy, pairing this long-term lens with the freedom to invest across large cap, mid cap and small cap companies subject to minimum 65% investment in equity and equity-related instruments. The flagship fund of Bajaj Asset Management Limited (formerly known as Bajaj Finserv Asset Management Limited) completed three years since inception on 14 August 2026.

In its journey, the fund has regularly outperformed the benchmark. Since inception, the Regular Growth plan delivered 16.59% annualised returns and the Direct Growth plan delivered 18.21%, compared with 12.74% for its benchmark, BSE 500 TRI. Over the last year, the respective returns were 9.85% and 11.26%, against the benchmark’s 4.93%*.

The milestone marks three years of following structural change across sectors and company sizes.

*Source: Internal Analysis, MFI360 and Bloomberg. Data as of August 13, 2026. Past performance may or may not be sustained in future.

What is a megatrend?

A megatrend is a deep and lasting change in how an economy or society works. It usually unfolds over many years, cuts across industries and can alter how businesses compete and how people live, work and consume. A trend may dominate headlines for a few quarters; a megatrend can reshape an economy for years.

For instance, digitisation has changed banking, shopping, entertainment, logistics and healthcare. Rising incomes and urbanisation can influence financial services, housing, travel and discretionary consumption. Manufacturing policies, cleaner energy and infrastructure development can open opportunities across industrial businesses and their supply chains.

These forces often reinforce one another. Electric mobility, for example, sits at the meeting point of technology, regulation, environmental priorities and consumer behaviour. Its effects can extend from vehicle makers to component suppliers and charging networks. Digital payments offer another example: smartphone adoption, affordable data, payment infrastructure and changing consumer habits have together altered how transactions are made.

Megatrend investing is therefore not one narrow sector call. It can cut across industries, markets and even geographies.

Six lenses for a changing economy

Bajaj Finserv Flexi Cap Fund studies megatrends through its T.R.E.N.D.S. framework: Technological, Regulatory, Economic, Nature, Demographic and Social.

Each lens captures a different source of long-term change:

• Technological: Advances such as digitisation, automation and artificial intelligence can change how industries operate and deliver products or services.

• Regulatory: Policy and regulatory shifts, including manufacturing and infrastructure initiatives, can reshape industries or create new markets.

• Economic: Structural changes such as financialisation, rising consumption and infrastructure expansion can influence long-term business growth.

• Nature: Environmental priorities such as sustainability, clean energy and cleaner mobility are gaining momentum, and businesses responding to them may be aligned for future growth.

• Demographic: A large working-age population, rising incomes and urbanisation are supporting consumption and economic growth.

• Social: Evolving lifestyles and consumer behaviour, including urbanisation and the growing focus on health and wellness, are creating new patterns of demand across industries.

The portfolio process

Identifying a megatrend is the starting point. The next step is to determine whether that long-term change can translate into a viable opportunity at the company level. For fund managers, a company needs to meet the following parameters to be considered for the portfolio:

• It should be a beneficiary of the trend

• It should offer a monetizable opportunity

• It should have strong fundamentals

• It should be trading at favourable valuations

The investment process begins with a universe of roughly 1,100 stocks. Applying the megatrends lens narrows this to around 340 to 380 companies whose businesses may be positioned to participate in one or more of the structural shifts identified through the T.R.E.N.D.S. framework.

Top-down research examines how these shifts may affect economies, industries and value chains. Bottom-up analysis then assesses individual companies. The process also incorporates the AMC’s INQUBE philosophy, combining informational, quantitative and behavioural insights in investment decisions. From the screened universe, a portfolio of approximately 40 to 60* holdings may be constructed.

*The number of stocks mentioned is tentative and for understanding purposes only; the final portfolio may hold more or fewer names depending on prevailing market conditions. Source: Internal Analysis. The data provided in the communication is based on latest available information and is subject to change in future. The AMC is not responsible for any decision taken based on the data disclosed in the communication. 

Flexible approach

A megatrend does not arrive labelled large cap, mid cap or small cap. A large company may have the resources to scale a new market. A mid-sized business may gain share as an industry expands. A smaller company may own a specialised capability within a developing value chain.

A flexi cap mandate lets the fund manager follow opportunities without maintaining a fixed allocation across market-cap segments subject to minimum 65% investment in equity and equity related instruments. As of July 31, 2026, Bajaj Finserv Flexi Cap Fund held 44.17% in large cap companies, 23.02% in mid cap companies and 29.33% in small cap companies. The allocation reflects the opportunities identified through the investment process rather than a pre-set balance among the three market-cap segments.

The portfolio’s strategic choices extend beyond market cap allocation. Its active share against the BSE 500 TRI stood at 70% as of July 31, 2026. Active share measures how far a portfolio’s holdings and weights differ from its benchmark, offering an indication of how distinctly it is positioned.

Source: Internal Analysis | Active share is calculated vis-a-vis scheme benchmark i.e. BSE 500 TRI | Data as on July 31, 2026.

Conclusion

At three, Bajaj Finserv Flexi Cap Fund has established a distinct investment identity: megatrends provide the direction, while flexi cap investing provides the freedom to pursue their beneficiaries across company sizes and sectors.

For investors with a long horizon and the ability to accept equity market fluctuations, the fund brings several engines of structural change into one portfolio. Structural changes can advance unevenly, and the companies positioned to benefit from them can change over time. The fund’s flexi cap mandate allows the portfolio to adjust as those opportunity sets evolve.

Investors can invest in Bajaj Finserv Flexi Cap Fund through a lump-sum investment or a Systematic Investment Plan (SIP). After completing the applicable KYC requirements and carefully reviewing the scheme-related documents, investors may invest through the official website of Bajaj Asset Management Limited, an authorised mutual fund distributor or an eligible third-party investment platform or app. Investors should consider their investment objectives, time horizon and risk appetite before investing.

Past performance may or may not be sustained in future.

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

Bajaj Finserv Flexi Cap Fund

For the performance of other schemes managed by the Fund Managers which have completed 1 year or more than 1 year since inception, please visit https://www.bajajamc.com/downloads?factsheet and download the latest Factsheet or click here.

Bajaj Finance Personal Loan

A Bajaj Finance Personal Loan is designed to help customers manage both planned and unexpected expenses. Whether the requirement is for home renovation, higher education, travel, weddings or medical emergencies, the loan offers a convenient and collateral-free financing solution through a simple online application process.

What is new in Loan Utsav 2026?

Loan Utsav 2026 introduces an exclusive reward bundle for eligible customers who apply for a Bajaj Finance Personal Loan during the campaign period. Extended until 10 September 2026, the campaign provides eligible customers an opportunity to access flexible financing along with additional lifestyle and entertainment benefits.

Customers whose Bajaj Finance Personal Loan is successfully disbursed within the campaign period can avail of the reward bundle, which includes OTT subscriptions, music memberships, dining benefits, and vouchers. The rewards are applicable only on successful loan disbursal during the campaign period and are subject to applicable terms and conditions.

The reward bundle includes:

• Zee 5, Sony Liv & 14 other OTTs – 6 months free membership

• JioHotstar membership – 3 months

• Free 3-month Zomato Gold Membership

• Free 3-month JioSaavn Pro

• Free 45 Day Gaana membership

• Free 40+ Vouchers

What is the Bajaj Finance Personal Loan?

A Bajaj Finance Personal Loan is a collateral-free financing solution that helps customers manage both planned and urgent expenses. Customers can apply online without pledging any asset as security.

The loan offers financing from Rs. 40,000 to Rs. 55 lakh, making it suitable for different financial requirements. Borrowers can choose a repayment tenure ranging from 12 months to 108 months, helping them select an EMI that aligns with their financial situation.

What is new in the loan offering?

Along with the Loan Utsav reward bundle, the Bajaj Finance Personal Loan now offers a repayment tenure of up to 108 months.

The extended tenure provides customers with greater flexibility when planning repayments. Instead of opting for shorter repayment periods, eligible borrowers can spread repayments over a longer duration, which may help reduce monthly EMI obligations.

This feature is particularly useful for customers borrowing larger loan amounts or planning significant expenses.

Why does the extended tenure matter?

A longer repayment tenure gives borrowers more flexibility in managing their monthly finances.

Customers can choose a repayment period between 12 months and 108 months, depending on their eligibility and financial requirements. A longer tenure may result in lower monthly EMIs, making it easier to balance loan repayments with other household expenses.

This flexibility supports better financial planning while allowing customers to borrow according to their needs.

Who can benefit from the Bajaj Finance Personal Loan?

A Bajaj Finance Personal Loan is suitable for customers who require funds for various personal financial needs.

It can help finance:

• Wedding expenses

• Medical emergencies

• Home improvement projects

• Higher education

• Travel plans

Customers looking for flexible repayment options and quick access to funds may find the product suitable for managing both expected and unexpected expenses.

What is the Bajaj Finance Personal Loan interest rate?

The personal loan interest rate for a Bajaj Finance Personal Loan ranges from 10% to 30.5% per annum, depending on the applicant's eligibility and credit assessment.

The final interest rate may vary based on several factors, including the applicant's financial profile and applicable lending criteria.

Customers are encouraged to review the applicable personal loan interest rate before submitting their application to understand the expected borrowing cost.

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 providing basic personal and financial details and uploading the required documents. After verification and approval, eligible applicants can receive the loan amount within 24 hours*.

The process involves minimal documentation and does not require any collateral, making it easier for eligible customers to access funds.

Key features of the Bajaj Finance Personal Loan

The Bajaj Finance Personal Loan offers several features designed to support different borrowing needs:

• Loan amount from Rs. 40,000 to Rs. 55 lakh

• Repayment tenure from 12 months to 108 months

• Personal loan interest rate ranging from 10% to 30.5% per annum

• Collateral-free financing

• Quick approval process

• Minimal documentation

• Disbursal within 24 hours* for eligible customers

• Limited-period Loan Utsav reward bundle for eligible applicants

A customer-focused lending approach

Bajaj Finance continues to focus on providing accessible and convenient lending solutions through a simple digital application process, simple eligibility criteria, and flexible repayment options. The addition of the Loan Utsav reward bundle further enhances the value available to eligible customers while supporting their financial goals.

Customers interested in a Bajaj Finance Personal Loan can check their eligibility and apply online through the official website or the app.

*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 AMC’s new SIP journey

How to start an SIP with Bajaj AMC

Before you begin, keep your PAN and registered mobile phone with you. You will also need access to the bank account from which your SIP instalments will be paid. Then, you need to follow these steps:

Step 1: Sign in and choose a fund

Click on “Invest Now” or the user icon at the top of the Bajaj AMC website (www.bajajamc.com). This will take you to the transaction portal.

There, enter your PAN and complete the required verification using the OTP sent to your registered mobile phone number or email address. You will also need to enter or set a four-digit PIN for enhanced security.

This will take you to the account home page, where you can browse the available mutual fund schemes.

Step 2: Enter and review your SIP details

Once you choose a fund, click on ‘Start SIP’. Then, enter the amount that you want to invest, the investment frequency, the start date, and the duration. You will also see an “Investment Mode” drop-down menu. Here, you can choose between a Direct Plan and a Regular Plan.

A Direct Plan is purchased directly from the mutual fund, while a Regular Plan is purchased through a mutual fund distributor. The two plans invest in the same underlying portfolio but have different expense ratios – the cost of the Regular Plan is slightly higher because it accounts for a distributor commission. Consider whether you prefer to make and manage your investments independently or with distributor assistance.

Before continuing, review all the details carefully. Then, read and accept the terms and conditions and click on “Invest”.

Step 3: Set up AutoPay

The final step is to create an AutoPay mandate. This authorises your bank to debit the SIP amount on the scheduled dates.

Choose an AutoPay method, such as UPI, net banking or debit card. You will then be redirected to your payment app or bank’s page. Review the mandate details and approve the request.

Consider choosing a sufficiently high mandate amount to give you room to add or increase SIPs later. The mandate amount only sets the maximum debit limit; the actual deduction will be based on your SIP instalment.

For the duration, if you have a fixed date in mind, you can select the number of instalments. If not, select “Until I stop” to keep the SIP active until you cancel it.

After the mandate has been successfully registered, your SIP setup is complete, and the money will be debited from your account on the scheduled date (subject to applicable processing timelines). You can also view the transaction and SIP details in your Bajaj AMC account.

For investors who already have an existing mandate with Bajaj AMC, the investment process is even simpler and quicker. Investors who are new to Bajaj AMC will need to create their account and folio through a convenient and guided onboarding journey. Those who are not KYC Validated will also need to complete their Know Your Customer process.

Bajaj Asset Management Limited or Bajaj AMC was formerly known as Bajaj Finserv Asset Management Limited.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
This document should not be treated as endorsement of the views/opinions or as investment advice. This document should not be construed as a research report or a recommendation to buy or sell any security. This document is for information purpose only and should not be construed as a promise on minimum returns or safeguard of capital. This document alone is not sufficient and should not be used for the development or implementation of an investment strategy. The recipient should note and understand that the information provided above may not contain all the material aspects relevant for making an investment decision. Investors are advised to consult their own investment advisor before making any investment decision in light of their risk appetite, investment goals and horizon. This information is subject to change without any prior notice.

Success in today’s payment landscape requires issuers to enhance both the customer experience and the efficiency of their internal operations. 

For cardholders, payment experiences are expected to be instant, seamless, and connected across both physical and digital channels. Customers increasingly demand faster card delivery, premium personalization, instant activation, real-time card controls, instant digital issuance, push provisioning to mobile wallets, and secure frictionless payments—all directly accessible through their banking applications.

For issuers, these expectations require modern infrastructure that supports real-time issuance, production, tracking, digitization capabilities, and API-driven issuance operations to support stock and forecast management. Banks and fintechs require standardized APIs to support instant issuance and digital use cases and simplify integration by minimizing connections to third-party platforms and mobile apps.

Personalization as a Service: The digital backbone of modern payment card journeys
Since March 2025, IST has rolled out a new suite of APIs that modernize how issuers, IST personalization centers, and delivery systems interact. These APIs enable every step of the card issuance process—from order to delivery—to be tracked in near real-time. Card personalization APIs redefine what’s possible by converting a static production step into a dynamic, connected service. This shift creates the digital backbone that powers real-time issuance, automated workflows, and an entire ecosystem of real-time digital services throughout the payment credential lifecycle.

“The shift to API-based personalization is about unlocking new value potential for our customers. It unlocks operations from batch constraints, real-time innovation for customer experience teams, and frees up workflows from manual silos. Issuers don’t just become more efficient; they become more agile, more responsive, and better equipped to deliver the personalized experiences customers now expect. That’s the real power of this transformation,” said Elyette Roux, EVP Payment Services, IST.

A comprehensive API suite covering the full card lifecycle
Building on its personalization capabilities, IST is expanding its offering with a new suite of APIs that spans from physical card personalization to full digitalization services and beyond. These modular building blocks enable issuers to easily access, combine, and scale a comprehensive set of payment capabilities, accelerating innovation while reducing integration and operational complexity.

Designed to connect seamlessly with issuer back-end systems (including Card Management Systems and Authorization Servers) as well as mobile applications, the IST APIs are organized into five core service families aligned with the card lifecycle.

• Issuance APIs: Enables issuers to orchestrate and automate the complete card issuance lifecycle covering the creation, personalization, provisioning, and delivery of physical and digital payment cards. For physical cards, these APIs support card pulls, inventory management, PIN/CVV generation etc.

• Lifecycle APIs: Allow issuers to manage the full physical and digital card lifecycle in real-time, including production and shipment status updates, PIN services, renewals, replacements, and tokens and wallet management. Issuers can also securely process and orchestrate proximity and remote digital payment transactions and card services in real-time, including wallet interactions, workflow authorizations, tokenized payment transactions, and fraud controls.

• Authentication APIs: Enables strong and secure end-user FIDO-based authentication, especially in the context of online operations and agent-initiated payments.

• Customer Experience APIs and Mobile SDKs: Exposes mobile-first card services designed to enhance cardholder experiences directly within banking applications, including card art selection, card delivery tracking, access to digital inserts, card activation, secure display of card details and PIN, virtual card generation, push provisioning to mobile wallets, mobile authentication, and tap-to-pay enablement.

• Payment Cryptography & Key Management APIs: Enables banks to secure their payment card issuance infrastructure with our HSM-as-a-Service, managing cryptographic keys, encryption, and transaction signing. Issuers can also access the IST test environment to explore the quantum-ready cryptographic library and build future-proof applications.

With more than 700 million physical payment products issued in 2025, IST combines proven expertise in large-scale physical card issuance with advanced digital payment capabilities. As a major independent tokenization provider, the company has now provisioned more than 500 million payment tokens across a wide variety of digital payment use cases. Built on PCI-certified, resilient, secure, and scalable SaaS platforms, IST’s API-driven services enable issuers to accelerate innovation while benefiting from a flexible business model and modular approach, allowing issuers to select and consume only the services they need.

Razorpay Recognized Among 'World's Top Fintech Companies,'  Payments Category, by CNBC & Statista

Compiled by CNBC in partnership with Statista, the annual ranking is based on company KPIs, desk research and CNBC’s editorial and compliance review. Of over 3,500 companies evaluated across more than 50 countries and territories, only 500 made the final cut - placing Razorpay among a truly select global cohort. This recognition reflects Razorpay’s continued innovation, product leadership and growing presence and impact across the global fintech ecosystem.

Harshil Mathur, Razorpay CEO & Co-Founder said, “India isn't just a fast-growing fintech market anymore - it's becoming ground zero for where the future of financial technology gets built. This recognition, year after year, only strengthens our conviction: products built for India's scale and complexity don't just work for India - they set the benchmark for the world. As AI reshapes financial services, our commitment stays the same - building the infrastructure that helps every business grow with more intelligence, more speed, and more trust.”

Driven by its mission to simplify money movement, Razorpay continues to build products that help millions of businesses manage payments and financial operations with greater ease and confidence - serving customers across India, Malaysia and Singapore. As the world looks to India as the next frontier of AI and financial innovation, Razorpay is proud to be building technology. This recognition reflects our belief that world-class fintech can be built in India, for India, and increasingly, for the world.

About Razorpay

Razorpay, an omnichannel payments platform for businesses, strives to help Indian businesses with innovative solutions built with technology to address the payment and banking journey for businesses. Established in 2014 by alumni of IIT Roorkee, Shashank Kumar and Harshil Mathur, the company strives to provide technology payment solutions to many businesses. A few angel investors have also invested in Razorpay’s mission to simplify payments and business banking.

5 Credit Profile Checks That Can Improve Financial Health

One of the easiest ways to assess overall credit health is by checking the Bajaj Finance Credit Pulse Report, which brings together key details such as an individual's credit score, repayment history, credit utilisation, credit age and other credit-related information. Reviewing these insights regularly can help users monitor their credit health and work towards building a stronger credit profile.

Why maintaining a healthy credit profile matters

A credit profile provides an overview of an individual's borrowing and repayment behaviour. Lenders may consider this information, along with other eligibility criteria, when evaluating applications for loans, credit cards and other credit products.

A typical credit profile includes information such as:

• Credit score

• Repayment history

• Existing loans

• Credit card usage

• Credit enquiries

• Credit age

Monitoring these factors regularly helps individuals understand their credit health, identify areas that need attention and adopt better financial habits over time.

1. Monitor your credit score regularly

Knowing the current credit score is an important first step towards maintaining a healthy credit profile.

In India, credit scores generally range from 300 to 900, with higher scores typically reflecting stronger credit health. While lenders have their own eligibility criteria, maintaining a healthy credit score may improve eligibility for credit, along with factors such as income, repayment capacity and internal lending policies.

Individuals aiming for a good credit score in India should focus on responsible borrowing habits rather than quick fixes. Regularly checking the credit report allows users to monitor their credit score without affecting it and understand the factors that contribute to their overall credit health.

2. Stay consistent with repayments

Repayment history is one of the key factors that contributes to a healthy credit profile.

Missing EMIs or delaying credit card payments may negatively affect the credit score. Even after overdue amounts are cleared, repayment behaviour continues to remain part of an individual's credit history.

Simple habits that support timely repayments include:

• Setting up auto-debit instructions

• Paying EMIs before the due date

• Clearing at least the total amount due on credit cards

• Avoiding repeated late payments

Consistently making payments on time demonstrates responsible credit management and contributes to stronger credit health over time.

3. Keep credit utilisation under control

Credit utilisation refers to the percentage of the available credit limit that is currently being used.

Consistently high credit utilisation may indicate greater reliance on available credit and could influence a lender's assessment. Reducing outstanding balances and maintaining moderate credit utilisation can strengthen the overall credit profile.

4. Be selective when applying for new credit

Applying for several loans or credit cards within a short period can result in multiple hard enquiries.

While a single enquiry is generally not a concern, frequent credit applications over a short period may indicate a higher need for credit and could influence a lender's assessment.

To maintain a healthy credit profile, individuals should:

• Apply for credit only when required

• Avoid submitting multiple applications simultaneously

• Compare available credit options before applying

Being selective about new credit applications helps maintain a healthier credit profile over time.

5. Review your credit report for inaccuracies

A credit report may occasionally contain inaccuracies that should be reviewed and corrected promptly.

Reviewing the credit report regularly helps individuals identify discrepancies and initiate corrections wherever necessary.

How to check your credit score online

Checking a credit score online is quick and convenient with Bajaj Finance. Individuals can access their credit information by following these simple steps.

Step 1: Visit the Bajaj Finance Credit Pulse Report page
Go to the official Bajaj Finance website and open the Bajaj Finance Credit Pulse Report page. Select the option to check the credit score.

Step 2: Verify the registered mobile number
Enter the registered mobile number and complete OTP verification.

Step 3: Enter the required details
Provide details such as name, PAN, date of birth, email address, mobile number and PIN code.

Step 4: Access the credit score
Once the verification is complete, the available credit score is displayed on the screen.

Step 5: Review the detailed credit report
Review the report to understand repayment history, active credit accounts, recent enquiries and other credit-related information. The report can also be downloaded for future reference.

Tips to maintain a healthy credit profile

Good financial habits that support long-term credit health include:

• Pay every EMI and credit card bill on time.

• Keep credit utilisation under control.

• Apply for new credit only when necessary.

• Maintain older credit accounts, wherever possible.

• Monitor the credit report periodically.

• Resolve report discrepancies promptly.

Building a stronger credit profile

Building and maintaining a healthy credit profile is an ongoing process rather than a one-time exercise. Regularly reviewing credit information, making timely repayments and using credit responsibly can help individuals stay financially prepared for future borrowing needs.

The credit report offers valuable insights into credit score, repayment history, credit utilisation, credit age and other important aspects of credit health. By monitoring these factors consistently, individuals can work towards achieving a good credit score and make more informed financial decisions.

*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.

Panasonic Washing Machines in 2026: Five Models with AI Connectivity, Built-In Heaters, and Smart Fabric Care

After narrowing down the right capacity and features, Panasonic washing machines can be compared on Bajaj Mall before purchase at a nearby Bajaj Finance partner store. The Easy EMI Loan offers financing of up to Rs. 5 lakh with repayment tenures from 3 to 60 months, while the Insta EMI Card provides a credit limit of up to Rs. 3 lakh. Select models may also be available with zero down payment offers. Both financing options require the buyer to be physically present at a partner store to apply.

Top 5 Panasonic washing machines with latest features in 2026

From AI-powered connectivity to built-in heaters and gentle fabric care, these five Panasonic washing machines cover a range of household sizes and laundry needs.

Panasonic NA-F65LF3CRB

Price: Rs. 23,500 | Capacity: 6.5 kg | Type: Fully Automatic Top Load
Why it works: A practical entry into Panasonic's fully automatic range, this model suits couples and small households. Its 5 Star rating supports lower electricity consumption, while Active Foam Wash improves detergent penetration for effective stain removal. Drynamic Spin removes more water after washing to reduce drying time, and 12 wash programmes cover everyday fabrics and delicates.

Panasonic NA-F70CH4CRB

Price: Rs. 24,500 | Capacity: 7 kg | Type: Fully Automatic Top Load
Why it works: This model adds a built-in heater for hot water washing, StainMaster+ for stain treatment, and MirAIe connectivity for smartphone control. Fifteen wash programmes provide flexibility across fabrics, while the 5 Star rating and 7 kg capacity make it suitable for small families.

Pro tip: MirAIe allows users to schedule washes remotely and receive maintenance alerts, making it worth setting up from the start.

Panasonic NA-F80CH4CRB

Price: Rs. 27,400 | Capacity: 8 kg | Type: Fully Automatic Top Load
Why it works: This 8 kg model combines a built-in heater, StainMaster+, MirAIe, and Drynamic Spin. The larger drum accommodates towels, bedsheets, and regular family loads, while the 5 Star rating supports efficient daily use. It is a practical choice for families of three to four seeking smart connectivity and hot water washing.

Panasonic NA-F100VF1CB

Price: Rs. 41,400 | Capacity: 10 kg | Type: Fully Automatic Top Load
Why it works: Designed for larger households, this model combines a 10 kg drum with Gentle Kizukai Wash for fabric care. Drynamic Spin reduces residual water to shorten drying time, while 15 wash programmes handle varied laundry requirements. A 5 Star rating adds energy efficiency for households running frequent, heavy loads.

Panasonic NA-149MR2L01

Price: Rs. 50,500 | Capacity: 9 kg | Type: Fully Automatic Front Load
Why it works: This front loader combines efficient washing with Panasonic's Gentle Kizukai Wash Lite for fabric care. Quick 15 handles lightly soiled clothes in 15 minutes, while Baby Care provides a dedicated programme for infant clothing. MirAIe enables remote monitoring and scheduling, and the 5 Star rating supports efficient regular use.

How to buy a Panasonic washing machine from a Bajaj Finance partner store?

Splitting the cost of a new washing machine into monthly instalments makes the upgrade significantly more manageable. Shoppers can follow these steps to complete the purchase:

1. Browse on Bajaj Mall: Compare Panasonic washing machine models by capacity, type, key features, and price before visiting a store

2. Check pre-approved eligibility: Verify the pre-approved loan limit on the Bajaj Finance website using a registered mobile number and OTP verification

3. Find a partner store: Shortlisted models can be evaluated at 1.5 lakh+ Bajaj Finance partner stores across 4,000+ cities, including Reliance Digital, Croma, and Vijay Sales

4. Check the model in person: In-store staff can assist with comparing wash programmes, drum capacity, and smart features across models

5. Choose an EMI plan: Financing of up to Rs. 5 lakh is available through the Bajaj Finance Easy EMI Loan or Insta EMI Card, with zero down payment on select models and tenures from 3 to 60 months

6. Complete the purchase: Once approved, the transaction is processed immediately and the washing machine can be taken home the same day

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.

Boult Earbuds in India 2026: Five Reasons They Are the Smartest Budget Pick

After shortlisting a suitable Boult earbud model, shoppers can browse options on Bajaj Mall and compare battery life, calling features, gaming modes, and prices before visiting a Bajaj Finance partner store. A Bajaj Finance Easy EMI Loan offers financing of up to Rs. 5 lakh with repayment tenures from 3 to 60 months, while the Insta EMI Card provides a reusable credit limit of up to Rs. 3 lakh with zero annual fee. Select models may also be available with a zero down payment offer. Both financing options require shoppers to be physically present at a partner store to apply.

What makes Boult earbuds worth buying in 2026?

From long battery life to gaming-friendly features, Boult earbuds pack several premium features into accessible price points.

1. Long battery life for uninterrupted entertainment

Several Boult models offer up to 60 hours of total playback with the charging case. Fast charging delivers hours of listening time in just a few minutes -- useful for commuters, students, and professionals who cannot afford frequent recharging breaks.

2. Powerful bass and immersive sound

Boult earbuds use large dynamic drivers, including 13 mm BoomX drivers on several models, tuned for punchy bass and clear vocals. The sound profile suits music, movies, and podcasts without paying a premium price.

3. Low-latency mode for smoother gaming and streaming

Many Boult earbuds feature Combat Mode with latency as low as 45 ms, reducing the delay between on-screen action and audio output for a more responsive gaming experience and better lip-sync during video streaming.

4. ENC-powered calling with dependable wireless connectivity

Boult integrates Environmental Noise Cancellation across several models to reduce background noise during calls. Bluetooth 5.3 or 5.4 on many recent models adds stable connectivity, faster pairing, and reliable everyday performance.

5. Wide range of affordable options

Boult earbuds are priced from under Rs. 1,000 to around Rs. 1,800, with ENC, low-latency gaming mode, large dynamic drivers, and long battery life available across the range.

Best Boult earbuds in the affordable segment in 2026

The models below highlight some of Boult’s best affordable earbuds in 2026, compared by battery life, audio, calling, and gaming features.

Boult W20
Price: Rs. 899

Why it works: Features 13 mm BoomX drivers, up to 32 hours of total playback, Zen ENC for clearer calls, and a 45 ms Combat Mode for gaming and streaming.

Boult Z40
Price: Rs. 1,099

Why it works: Offers up to 60 hours of total playback, 10 mm BoomX drivers, Zen ENC, adaptive low-latency mode, and fast charging that delivers around 100 minutes of playback from a 10-minute charge.

Boult Z40 Pro
Price: Rs. 1,299

Why it works: Delivers up to 100 hours of playback, Zen Quad Mic ENC for clearer conversations, Bluetooth 5.3, and 45 ms low-latency mode for gaming and entertainment.

Boult Klarity 4
Price: Rs. 1,299

Why it works: Brings active noise cancellation and quad microphones to the affordable segment, with Bluetooth 5.4 for improved wireless stability and a more immersive listening experience.

Boult x Mustang Torq
Price: Rs. 1,799

Why it works: Distinctive styling with LED lighting effects, up to 60 hours of playback, Bluetooth 5.4, 45 ms Combat Mode, Boult Amp app connectivity, and fast charging.

How to buy Boult earbuds from a Bajaj Finance partner store

Splitting the cost of a new earbuds into monthly instalments makes the upgrade significantly more manageable. Shoppers can follow these steps to complete the purchase:

1. Browse on Bajaj Mall: Compare earbuds brands across price segments by battery life, calling features, and gaming mode before visiting a store

2. Find a partner store: Visit any of the 1.5 lakh+ Bajaj Finance partner stores across 4,000+ cities, including Reliance Digital, Croma, and Vijay Sales

3. Check in person: Evaluate fit, comfort, and available models with in-store staff before deciding

4. Choose an EMI plan: Financing of up to Rs. 5 lakh is available through the Easy EMI Loan or Insta EMI Card, with zero down payment on select models and tenures from 3 to 60 months

5. Complete the purchase: Once approved, the transaction is processed immediately and the earbuds can be taken home the same day

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 Finance Personal Loan

The campaign aims to help customers finance both planned and unexpected expenses, including home renovation, higher education, weddings, travel, and medical emergencies. With minimal documentation, collateral-free borrowing, and a fully digital application journey, the Bajaj Finance Personal Loan offers a convenient solution for customers looking for quick and flexible financing.

Attractive rewards during Loan Fest 2026

As part of Loan Fest 2026, eligible customers whose Bajaj Finance Personal Loan is successfully disbursed during the campaign period may receive an exclusive reward bundle. The bundle has been curated to provide additional value by combining entertainment, dining, music, and lifestyle benefits alongside the loan. These rewards are available only to eligible customers and are subject to the applicable campaign terms and conditions.

The reward bundle includes:

• Zee 5, Sony Liv & 14 other OTTs – 6 months free membership

• JioHotstar membership – 3 months

• Free 3-month Zomato Gold Membership

• Free 3-month JioSaavn Pro

• Free 45 Day Gaana membership

• Free 40+ Vouchers

The exclusive rewards complement the standard features of the Bajaj Finance Personal Loan, making the borrowing experience more rewarding during the campaign period.

Why apply for a Bajaj Finance Personal Loan online?

Applying for a Bajaj Finance Personal Loan online enables customers to complete the borrowing process conveniently without visiting a branch. The end-to-end digital application journey requires minimal documentation and allows eligible customers to check their loan offer, complete the application, and submit the required details online.

Eligible applicants may receive quick approval, and funds can be disbursed within 24 hours* after approval and successful verification. The digital process is designed to provide customers with a faster and more convenient borrowing experience.

Flexible borrowing with repayment tenure of up to 108 months

One of the key highlights of the Bajaj Finance Personal Loan is the flexible repayment tenure ranging from 12 months to 108 months.

The extended tenure gives customers greater flexibility to choose a repayment schedule that suits their financial goals and monthly budget. A longer repayment period may help reduce monthly EMIs compared with a shorter tenure for the same loan amount, enabling borrowers to manage larger financial commitments more comfortably.

The personal loan interest rate ranges from 10% to 30% per annum, depending on factors such as the customer's eligibility, credit profile, income, and internal assessment.

Features of Bajaj Finance Personal Loan

The Bajaj Finance Personal Loan is designed to support a wide range of personal financial requirements while offering a convenient borrowing experience.

Key features include:

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

• Repayment tenure from 12 months to 108 months

• Personal loan interest rate from 10% to 30% per annum

• Collateral-free loan

• Quick approval for eligible applicants

• Funds disbursed within 24 hours*

• Minimal documentation

• Fully digital application process

These features enable customers to borrow according to their financial requirements while choosing a repayment option that aligns with their budget.

Estimate your EMI before applying

Customers can use the personal loan EMI calculator available on the Bajaj Finance website before submitting an application. The calculator helps customers estimate monthly EMIs based on the selected loan amount, applicable interest rate, and repayment tenure.

It also enables customers to compare different repayment options, understand their repayment commitments, and make informed borrowing decisions before applying for a Bajaj Finance Personal Loan.

How to apply for a Bajaj Finance Personal Loan online

Applying for a Bajaj Finance Personal Loan is simple and can be completed in a few steps:

1. Visit the website: Customers begin by visiting the Bajaj Finance website and navigating to the Personal Loan page.

2. Check loan eligibility: Customers enter the required loan amount and select the preferred repayment tenure. They then click "CHECK LOAN OFFER".

3. Enter personal details: Customers provide their personal, financial, and employment details to receive a personalised loan offer.

4. Review the loan offer: Customers review the available loan offer and may adjust the loan amount or repayment tenure based on their requirements.

5. Complete KYC verification: Customers complete the KYC process and verify their bank account details to facilitate disbursal.

6. Application assessment: The application is submitted for assessment, following which a loan specialist contacts the customer regarding the next steps in the process.

Eligible applicants may receive funds within 24 hours* after approval and successful verification.

A rewarding digital borrowing experience

Loan Fest 2026 reflects Bajaj Finance's continued focus on providing customer-centric lending solutions through a seamless digital experience. By combining attractive rewards with flexible repayment tenure, competitive personal loan interest rate options, collateral-free borrowing, and quick access to funds, the campaign provides additional value for eligible customers applying for a Bajaj Finance Personal Loan online.

Eligible customers can visit the Bajaj Finance website to check their loan offer and apply online during the Loan Fest campaign period.

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.

Cashfree Payments, India’s leading AI-native payments company, today announced it is offering 0% payment gateway fees for all new businesses signing up on its platform, on the first Rs. 20 lakh of Gross Merchandise Value (GMV) until 31st March 2027. The offer targets early-stage and growing sellers across their own online channels.

Offer aims to provide a launchpad to SMBs ahead of the festive season

Through this offer, Cashfree Payments aims to give businesses a genuine launchpad ahead of the festive season. This period is when most small businesses do the bulk of their annual business, but it typically comes with its own cost pressures. Discounts and offers eat into margins just as sales peak, and payment gateway fees eat into that margin further. By removing its own fee from this window entirely, Cashfree is handing sellers back real margin and cash they can redirect into inventory, ads, or logistics instead.

Akash Sinha, Co-founder & CEO of Cashfree Payments, said, "An average SMB or D2C business makes 40% of their annual sales during the festive season. Getting the payments layer right during these weeks matters more than at any other point in the year. We've also seen that 90% of new sellers signing up ahead of the season record a GMV under ₹20 lakh during the entire period, which means this offer effectively covers their entire festive run. That's significant breathing room for a business to put money into offers, inventory, or wherever it's needed most. This is the kind of launchpad we want every SMB to have with us."

Alongside the fee waiver, new merchants can go live on Cashfree within minutes of signing up, against the industry norm of multiple days. They also get next-day settlement, against the standard two-day cycle, improving cashflow to fund the next round of ads or restocking during peak sale days. Every merchant onboarding under the offer is assigned a dedicated account manager from the point of signup, so sellers get support during the critical sale period. Taken together, the offer combines zero-cost onboarding with the fastest go-live and settlement cycle available to SMBs in India today, making it the strongest festive-season offers in the industry.

Businesses looking to go live ahead of the festive season can sign up on Cashfree Payments at cashfree.com to claim the 0% fee offer before it ends on 31st March 2027.

About Cashfree Payments

Founded in 2015, Cashfree Payments is India's largest payments platform, processing over USD 80 billion in transactions annually for more than a million businesses–from high-growth startups, ecommerce & D2C brands, SMBs, and enterprises.

Businesses use Cashfree Payments to collect payments across 180+ payment modes, provide seamless one-click checkout to their customers to improve conversions, and conduct cross-border payments across 176+ countries and 140+ currencies. Built for scale, Cashfree’s infrastructure handles an industry-leading 12,000 transactions per second, processing peak volumes without friction.

Alongside payments, Cashfree Payments offers Secure ID, an identity verification stack with a comprehensive suite of APIs and KYC components. Secure ID enables fintechs and startups to streamline compliant onboarding and KYC flows by minimising user inputs, thus reducing drop-offs, intelligently verifying identity documents, and detecting fraud and anomalies with high accuracy.

Cashfree Payments is India’s first AI-native payments platform, enabling AI agents to process invoices and conduct payments autonomously through its MCP server, and allowing businesses to embed payments natively within AI chatbots through Cashfree Here.

The company was one of the first fintech companies to hold all three RBI licenses of Payment Aggregator (PA), Payment Aggregator-Cross Border (PA-CB), and Prepaid Payment Instrument (PPI). Cashfree Payments is backed by Silicon Valley investor Y Combinator, Apis Partners, State Bank of India (SBI), KRAFTON, and was incubated by PayPal.

Bajaj Finance Personal Loan
 

Eligible customers who successfully receive a Bajaj Finance Personal Loan during the Loan Fest period may receive a complimentary voucher bundle.
 

Rewards available during loan fest

Eligible customers will receive an exclusive reward bundle on successful loan disbursal that includes:

• Zee 5, Sony Liv & 14 other OTTs – 6 months free membership

• JioHotstar membership – 3 months

• Free 3-month Zomato Gold Membership

• Free 3-month JioSaavn Pro

• Free 45 Day Gaana membership

• Free 40+ Vouchers
   

The reward bundle will be offered upon successful loan disbursal and is subject to customer eligibility and applicable terms and conditions.
 

Why choose Bajaj Finance Personal Loan?

Bajaj Finance continues to be a trusted provider of unsecured personal loans with a seamless application process. Key features include:

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

• Interest rates ranging from 10% to 30% per annum

• Quick approval based on eligibility

• Funds disbursed within 24 hours*

• Flexible repayment tenure ranging from 12 months to 108 months

• Minimal documentation

• No collateral required

• Fully digital application process
   

During Loan Fest, these benefits are complemented by an exclusive reward bundle, making the borrowing experience even more rewarding.
 

Estimate your EMIs before you apply

Applicants can use the personal loan EMI calculator available on the Bajaj Finance website before applying for a loan. The calculator helps applicants:

• Estimate monthly EMIs based on the loan amount, interest rate, and repayment tenure

• Compare different repayment options

• Select a repayment plan that suits their monthly budget

• Make informed borrowing decisions with greater confidence
   

How to apply for a Bajaj Finance Personal Loan during loan fest

Applying for a Bajaj Finance Personal Loan is simple:

1. Visit the website: Customers begin by visiting the Bajaj Finance website and navigating to the Personal Loan page.

2. Check loan eligibility: Customers enter the required loan amount and select the preferred repayment tenure. They then click "CHECK LOAN OFFER".

3. Enter personal details: Customers provide their personal, financial, and employment details to receive a personalised loan offer.

4. Review the loan offer: Customers review the available loan offer and may adjust the loan amount or repayment tenure based on their requirements.

5. Complete KYC verification: Customers complete the KYC process and verify their bank account details to facilitate disbursal.

6. Application assessment: The application is submitted for assessment, following which a loan specialist contacts the customer regarding the next steps in the process.

Eligible customers may receive funds within 24 hours* after approval and successful verification.
 

A rewarding borrowing experience

Whether the requirement is for home renovation, education, travel, medical expenses, or any other planned or unexpected expense, the Bajaj Finance Personal Loan provides quick access to funds without collateral. During Loan Fest, eligible customers can also enjoy an exclusive bundle of entertainment, dining, music, and shopping benefits, making successful loan disbursal even more rewarding.
 

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.

GTA 6 is set to arrive in India on 19 November 2026 for PlayStation 5, Xbox Series X, and Xbox Series S

Customers looking to upgrade their gaming setup can purchase consoles, televisions, and accessories on an Easy EMI Loan from Bajaj Finance. With financing of up to Rs. 5 lakh and repayment tenures ranging from 3 to 60 months, customers can spread the cost into manageable monthly instalments without a large upfront payment. Customers can visit any of the 1.5 lakh+ Bajaj Finance partner stores, check their pre-approved limit online using their mobile number and OTP, and take home their preferred products the same day. Select products also come with a zero down payment offer.

Five things to know about GTA 6 before it launches in India

1. Release date and platform availability

• Launch date: 19 November 2026

• Supported platforms: PlayStation 5, Xbox Series X, and Xbox Series S

• Not available on: PlayStation 4 and Xbox One

• PC version: Not yet announced — a later release is widely expected

• Players who do not own a current-generation console will need to upgrade before launch day

2. GTA 6 price in India and available editions

GTA 6 is expected to launch in two editions in India.

• Standard Edition: Rs. 5,999 — includes the base game with all core features

• Ultimate Edition: Rs. 7,499 — includes additional in-game content and bonus items

3. How and where to pre-order GTA 6 in India

• Digital editions: GTA 6 pre-orders officially began on 25 June 2026 for PlayStation 5 and Xbox Series X/S

• Pre-order benefits: Select editions may include bonus in-game content

4. Key features and gameplay

• Dual protagonists: Players follow Lucia Caminos and Jason Duval across the fictional state of Leonida

• Expanded open world: Cities, beaches, highways, swamps, and rural regions — reportedly the largest map in GTA history

• Dynamic weather system: Weather changes dynamically throughout the game world

• Improved NPC behaviour: Non-playable characters react more naturally to player actions

• More interiors: Significantly more enterable buildings and activities than previous titles

5. Hardware requirements and gaming setup costs in India

GTA 6 launches on PS5, Xbox Series X, and Xbox Series S. Rockstar has not confirmed PC requirements — industry estimates suggest the following minimum specifications.

• Processor: Intel Core i7-9700K or AMD Ryzen 7 3700X

• RAM: 16 GB minimum

• Graphics card: NVIDIA RTX 3080 or AMD RX 6800 XT

• Storage: 150 GB SSD minimum

Estimated costs for a complete GTA 6 gaming setup in India:

• PS5 or Xbox Series X: Rs. 49,990 to Rs. 54,990

• 4K Smart TV, 43 to 55 inch: Rs. 25,000 to Rs. 65,000

• Gaming headset: Rs. 2,000 to Rs. 30,000

• Gaming controller: Rs. 5,000 to Rs. 8,000

• Estimated total setup cost: Rs. 70,000 to Rs. 1,50,000

Disclaimer: EMIs and prices may vary by partner store, offer period, location, and variant. Please check the latest information at the partner store before purchase.

How to buy a gaming setup for GTA 6 from Bajaj Finance partner stores?

Indian gamers looking to build or upgrade their setup can follow these steps at any Bajaj Finance partner store.

1. Browse products on Bajaj Mall: Customers can explore gaming consoles, televisions, gaming headsets, and accessories, and compare specifications, prices, and features before visiting a store.

2. Find a nearby partner store: Customers can use the Bajaj Finance store locator to find a nearby partner outlet such as Croma, Vijay Sales, or Reliance Digital.

3. Check the products in person: At the store, customers can compare shortlisted products based on performance, display quality, and gaming specifications.

4. Opt for an Easy EMI Loan: Customers can finance purchases of up to Rs. 5 lakh with repayment tenures from 3 to 60 months. Select products may also come with zero down payment.

5. Use the Insta EMI Network Card: Existing cardholders can convert purchases into EMIs instantly through a paperless process.

6. Complete the purchase: Once financing is approved, the purchase is processed immediately, and customers can take home their gaming setup the same day.

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 Finance Personal Loan

The collateral-free loan is designed to help finance planned and urgent expenses such as home renovation, higher education, medical treatment, travel, and weddings with minimal documentation, quick approval, and disbursal within 24 hours* after approval.

What affects the Bajaj Finance Personal Loan interest rate?
Several financial and credit-related factors influence the personal loan interest rate offered to an applicant. Knowing these factors before applying can help customers better understand how their borrowing cost is determined and plan their repayments accordingly.

Some of the key factors include:

• Credit score and repayment history

• Monthly income and repayment capacity

• Employment type and job stability

• Existing financial obligations

• Loan amount requested

• Repayment tenure selected

• Overall eligibility assessment

For example, a salaried software engineer in Pune earning Rs. 90,000 per month with manageable financial commitments and a strong repayment history may apply for a Bajaj Finance Personal Loan of Rs. 8 lakh. The applicable personal loan interest rate is determined after evaluating the applicant's complete financial profile and eligibility. This assessment enables the borrower to estimate the monthly EMI and select a suitable repayment tenure.

Understanding these factors before applying contributes to better financial planning and more informed borrowing decisions.

Bajaj Finance Personal Loan: Key features at a glance
Bajaj Finance offers a collateral-free personal loan with features designed to support a wide range of financial requirements.

What is new in this offering?
One of the latest updates to the Bajaj Finance Personal Loan is the extension of the maximum repayment tenure to 108 months.

The longer repayment period provides eligible customers with greater flexibility while managing larger loan amounts. By spreading repayments over a longer duration, monthly EMIs may become more manageable, supporting improved financial planning.

For example, an individual taking a Rs. 10 lakh loan may choose a longer repayment tenure to reduce monthly EMI obligations. While extending the repayment period may lower the monthly instalment amount, the total interest payable over the entire tenure may be higher. Comparing available tenure options can help identify a repayment structure that aligns with individual financial circumstances.

Why does the personal loan interest rate matter?
The personal loan interest rate directly influences both the monthly EMI and the overall borrowing cost throughout the repayment period.
Knowing the applicable interest rate before applying can help customers estimate their monthly repayments and choose a suitable loan amount and repayment tenure. Using an EMI calculator can further help compare different repayment scenarios and support better financial planning.

Who can benefit from the extended repayment tenure?
The extended repayment tenure can benefit eligible customers who prefer lower monthly EMIs or need greater flexibility while repaying their loan.

This feature may benefit:

• Homeowners planning renovation or repair work

• Parents financing higher education

• Individuals managing wedding expenses

• Customers facing medical emergencies

• Professionals investing in career development or skill enhancement

The flexibility to select a repayment tenure of up to 108 months allows eligible customers to choose a repayment schedule that aligns with their income, financial commitments, and long-term financial goals.

How does the application process work?
The Bajaj Finance Personal Loan application process is fully online and can be completed in a few simple steps.

• Visit the website: Customers begin by visiting the Bajaj Finance website and navigating to the Personal Loan page.

• Check loan eligibility: Customers enter the required loan amount and select the preferred repayment tenure. They then click "CHECK LOAN OFFER".

• Enter personal details: Customers provide their personal, financial, and employment details to receive a personalised loan offer.

• Review the loan offer: Customers review the available loan offer and may adjust the loan amount or repayment tenure based on their requirements.

• Complete KYC verification: Customers complete the KYC process and verify their bank account details to facilitate disbursal.

• Application assessment: The application is submitted for assessment, following which a loan specialist contacts the customer regarding the next steps in the process.

Eligible customers may receive funds within 24 hours* after approval and successful verification.

Making an informed borrowing decision
Understanding the factors that influence a personal loan interest rate can help customers estimate borrowing costs, compare repayment options, and choose a repayment plan that aligns with their financial requirements.

With loan amounts ranging from Rs. 40,000 to Rs. 55 lakh, interest rates from 10% to 30% per annum, and a repayment tenure of up to 108 months, the Bajaj Finance Personal Loan offers eligible customers a flexible, collateral-free borrowing solution for a wide range of planned and urgent financial needs. Eligible customers can check their loan offer online and complete the application process through a simple digital journey.

*Terms and conditions apply.

*Disbursal timelines and loan eligibility are subject to 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.

PayGlocal strengthens its international payment gateway with Google Pay Card Payments, giving Indian merchants access to trusted global payment experiences

With this launch, and Apple Pay already live on PayGlocal's gateway, Indian merchants can now collectively reach over one billion customers across the world's largest consumer markets - the United States, the United Kingdom, Australia, Canada, the UAE, Singapore, and across Western Europe. This means, an Indian merchant's global customer can reach checkout and pay in a single tap, in their own currency, using Google Pay Card Payments on PayGlocal. 

Outside India, Google Pay is the card-linked NFC and online checkout wallet for hundreds of millions of Android users worldwide. It operates across 86+ countries, supports 60+ currencies, and is integrated with over 6.4 million merchants globally. In the US, 87% of merchants accept it at checkout. In the UK, Australia, and across Europe, it is the default tap-to-pay experience for a generation of consumers who have never reached for a physical card at checkout.

These are exactly the consumers Indian exporters have been trying to reach - high-intent, digitally native buyers in high-purchasing-power markets who, until now, often hit friction at an Indian merchant's checkout. A foreign card declined, a payment form that felt unfamiliar, a sale lost.

Google Pay Card Payments on PayGlocal eliminates that entirely.

"Google Pay is how hundreds of millions of people across the world's biggest markets pay every day. Bringing it to Indian merchants is not just a feature addition - it is a fundamental shift in who Indian brands can sell to and how seamlessly they can do it," said Yogesh Lokhande, Co-founder and CTO, PayGlocal. "Combined with Apple Pay, we have now built the payments stack that puts every major global consumer within reach of every Indian merchant on our platform. This is what it means to take India to the world."

PayGlocal anticipates a nearly 40% increase in merchant activations following the Google Pay launch, as Indian businesses move quickly to eliminate checkout friction for their global customers.

What This Unlocks for Indian Merchants

• One billion+ users reached: Google Pay and Apple Pay together span 90+ countries -both available through a single integration on PayGlocal's International Payment Gateway.

• Full Android coverage: Google Pay serves the hundreds of millions of Android users in key export markets, a segment complementary to Apple Pay's iOS user base.

• Up to 40% higher conversion: Payment methods like Google Pay and Apple Pay consistently outperform manual card entry at checkout - consumers are more likely to complete a purchase when their preferred payment method is available.

• Secure by design: Every Google Pay transaction is tokenized and biometrically authenticated at the device level - no card details are ever exposed, no credentials stored on merchant servers.

• 60+ currencies: Customers pay in their local currency. Merchants settle in theirs. PayGlocal handles everything in between.

The Checkout Experience Global Buyers Expect
For a shopper in London, Sydney, or San Francisco, buying from an Indian brand should feel no different from buying from a local one. With Google Pay Card Payments now live on PayGlocal's gateway, it does. PayGlocal's intelligent routing and fraud prevention layer works underneath every transaction, combining Google's global security framework with PayGlocal's deep expertise in cross-border payment flows, ensuring every checkout is fast, secure, and seamless, wherever in the world the customer is.

India Is Ready. The World Can Now Pay
India recorded over 208 billion digital payment transactions in 2024, among the highest of any country in the world. The country has not just adopted digital payments; it has set the global benchmark for what fast, seamless, and trusted payments look like.

PayGlocal exists to carry that standard across borders. Because the same trust, speed, and confidence that an Indian consumer feels tapping their phone to pay should be exactly what a customer in London or Sydney feels when they buy from an Indian brand. With Google Pay now live alongside Apple Pay, and a payments stack purpose-built for cross-border commerce, PayGlocal is giving India's best businesses everything they need to go global, and making sure the world can pay for them.

About PayGlocal
PayGlocal is India's leading cross-border payments platform, purpose-built for Indian businesses selling to global customers. Founded in 2021 by payments veterans from Visa, PayGlocal offers international card processing, multi-currency accounts, alternate payment methods, and advanced fraud detection - all engineered to maximize payment success rates for Indian businesses operating globally. PayGlocal is RBI-authorized as a Payment Aggregator, both cross-border (inward and outward), and domestic (online).

Best Atomberg ceiling fans for bedrooms, living rooms, and smart homes in India in 2026

During the Bajaj Finance Summer Sale, shoppers can purchase their preferred Atomberg ceiling fan at a highly competitive price, thanks to limited-time offers and discounts at Bajaj Finance partner stores. Models can be browsed on Bajaj Mall, compared by blade sweep, series, and smart features, and purchased at any of the 1.5 lakh+ partner stores across 4,000+ cities. With an Easy EMI Loan of up to Rs. 5 lakh and repayment tenures ranging from 3 to 60 months, the cost can be split into manageable monthly instalments. Select models also come with a zero down payment offer.

Top-selling Atomberg ceiling fans to explore in 2026
The following models cover a range of room sizes, design styles, and smart features available across the Atomberg lineup: 

1. Atomberg Renesa 1200 mm BLDC Ceiling Fan with Remote

Price: Rs. 5,190
EMIs starting from: Rs. 830 per month

Why it works: A practical option for bedrooms and medium-sized living rooms. The BLDC motor helps reduce electricity consumption, while the remote control makes everyday operation more convenient.

2. Atomberg Renesa 1400 mm 28 W BLDC Ceiling Fan with Remote (Matte Brown)

Price: Rs. 5,590
EMIs starting from: Rs. 830 per month

Why it works: The wider 1400 mm sweep provides stronger air circulation across larger rooms and halls while maintaining the energy efficiency associated with BLDC technology.

3. Atomberg Efficio Plus 1200 mm BLDC Ceiling Fan with Remote (Sand Grey)

Price: Rs. 5,850
EMIs starting from: Rs. 830 per month

Why it works: Designed for bedrooms, study rooms, and workspaces, this model combines quiet operation with practical features such as a timer and remote control.

4. Atomberg Erica 1200 mm BLDC Ceiling Fan with Remote (Snow White)

Price: Rs. 6,750
EMIs starting from: Rs. 830 per month

Why it works: A stylish option for modern interiors, combining a minimalist design with the energy-saving benefits of a BLDC motor.

5. Atomberg Studio Plus 1200 mm 32 W BLDC Ceiling Fan (Earth Brown)

Price: Rs. 7,410
EMIs starting from: Rs. 830 per month

Why it works: Integrates LED lighting and cooling in a single fixture, making it suitable for rooms where both functions are required without additional fittings.

6. Atomberg Renesa Smart Plus 1200 mm BLDC Ceiling Fan with Remote (Pearl White)

Price: Rs. 8,860
EMIs starting from: Rs. 830 per month

Why it works: Adds app-based and voice control, allowing users to adjust speed, create schedules, and manage settings through a connected home ecosystem.

Disclaimer: EMIs and prices may vary by partner store, offer period, location, and variant. Please check the latest information at the partner store before purchase.
 

How to buy an Atomberg ceiling fan from Bajaj Finance partner stores?
Splitting the cost of a new Atomberg ceiling fan into monthly instalments makes the upgrade significantly more manageable. Shoppers can follow these steps to complete the purchase:

• Browse on Bajaj Mall: Compare Atomberg ceiling fan models by blade sweep, series, and smart features before visiting a store.

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

• Find a partner store: Shortlisted models can be checked at 1.5 lakh+ Bajaj Finance partner stores across 4,000+ cities.

• Check the model in person: In-store staff can assist with evaluating blade sweep, design, and key features.

• Choose an EMI plan: Financing of up to Rs. 5 lakh is available through the Bajaj Finance Easy EMI Loan, with zero down payment on select models and tenures from 3 to 60 months.

• Complete the purchase: Once approved, the transaction is processed immediately and the Atomberg ceiling fan can be taken home the same day.

With limited-time offers during the Bajaj Finance Summer Sale, now is an ideal time to upgrade to an energy-efficient Atomberg ceiling fan that matches both room requirements and design preferences.

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.

Check Credit Score on Bajaj Finance in Just 2 Minutes with a Free and Secure Online Process

As consumers increasingly manage their financial journeys digitally, having easy access to credit information can help them make timely and informed decisions. To make credit monitoring more accessible, Bajaj Finance has introduced a simple and convenient way for customers to access their credit information through the Bajaj Finance Credit Pulse Report.

The digital platform enables users to check their credit score online through a secure verification process, helping them understand their credit profile and stay informed about their financial health.

What is a credit score — and why does it matter?

At its core, a credit score is a three-digit numerical representation of an individual's creditworthiness, generated by licensed credit bureaus such as Experian, TransUnion CIBIL, Equifax, and CRIF High Mark. In India, the score operates on a scale from 300 to 900.

A credit score is influenced by several factors, including:

• Repayment history: Timely payment of EMIs and credit card dues plays an important role in building a healthy credit profile.

• Credit utilisation ratio: This reflects how much of the available credit limit is being used and indicates credit management behaviour.

• Length of credit history: A longer and consistent credit history can provide greater insights into repayment patterns.

• Credit mix: Maintaining a balanced combination of secured and unsecured credit can contribute to a well-rounded credit profile.

• Recent credit enquiries: Multiple credit applications within a short period may impact how lenders view credit behaviour.

Understanding what is credit score forms the essential first step towards building financial awareness. Acting on this knowledge — by checking score regularly and managing credit behaviour responsibly — can help borrowers make informed decisions and avoid challenges during their financial journey.

How to check credit score through Bajaj Finance Credit Pulse Report

Customers can follow a few simple steps to access their credit information:

Step 1: Visit the Bajaj Finance Credit Pulse Report page

Customers can begin the process by visiting the Bajaj Finance Credit Pulse Report page and selecting the option to check their credit score.

Step 2: Complete mobile number verification

Users need to enter their registered mobile number and authenticate their identity using an OTP.

Step 3: Provide basic details

Customers may need to share details such as their name, date of birth, PAN details, email address, mobile number, and residential PIN code to complete verification.

Step 4: View credit score instantly

After successful verification, users can view their credit score and understand their current credit profile.

Step 5: Access detailed credit insights

Customers can also review their credit report details, including credit accounts, repayment history, and credit enquiries, helping them better understand their financial profile.

Why regularly checking credit score matters

Regular credit monitoring is an important financial habit. It allows individuals to stay updated about their credit profile, identify inaccuracies, and take timely steps to maintain healthy credit behaviour.

Many consumers believe that checking their own credit score frequently can reduce it. However, checking one’s own credit information through a personal credit check does not negatively impact the score.

Understanding this difference can encourage consumers to monitor their credit profile regularly without hesitation. By staying aware of their credit information, individuals can make better-informed decisions while planning their financial goals.

The Bajaj Finance Credit Pulse Report enables customers to access their credit information conveniently, helping them build greater awareness about their credit profile.

Supporting smarter financial decisions through digital innovation

With financial services becoming increasingly digital, customers today expect solutions that are simple, secure, and accessible. Digital tools that provide greater visibility into financial information can help individuals become more confident in managing their financial journeys.

With a quick, secure, and user-friendly process, customers can now check their credit score and gain deeper insights into their credit profile with ease.

*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.

Xflow Co-founders: Anand Balaji and Ashwin Bhatnagar
 

Cards remain the dominant payment method for businesses and consumers in many of Xflow's key markets, particularly the United States. Until now, Indian businesses looking to accept card payments from global customers faced a fragmented landscape: poor cross-border card success rates, opaque foreign exchange fees embedded in payment processing costs, and reconciliation workflows spread across multiple vendors. Xflow's card acceptance capability is designed to eliminate each of these friction points.
 

"Cards are how global customers, especially in the US, want to pay, and that preference is only growing. 48% of all suppliers globally expect buyer demand for card payments to rise significantly over the next five years. Until now, Indian businesses had to choose between fragmented setups, poor success rates, and high operational overhead. Xflow card payments are built to close that gap: local processing performance, transparent pricing, and settlement through the same compliant infrastructure our customers already trust," Ashwin Bhatnagar, Co-founder, Xflow.
 

Eligible businesses can add cards as a payment option directly on invoices sent to global customers. Xflow is observing card payment success rates of over 90%, compared to an industry standard of approximately 60% for cross-border card transactions processed by Indian businesses. Cross-border money movement is handled through Xflow's RBI-authorised PA-CB infrastructure, on which the platform processes millions of dollars every month.
 

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.

Bajaj Finance Gold Loan

Bajaj Finance, one of India's largest non-banking financial companies, has seen steady growth in gold loan enquiries as more borrowers recognise that the same jewellery they pledged two or three years ago can now fetch a significantly higher loan amount — purely because gold prices have moved up.

Higher gold prices mean more value in your hands
The mechanics are straightforward. A gold loan amount is calculated based on the weight and purity of the gold pledged, multiplied by the applicable gold rate on the day of assessment. When gold prices rise, the same piece of jewellery is worth more — and that translates directly into a higher eligible loan amount for the borrower.

For a household with 50 grams of 22 karat gold, the difference between pledging at Rs. 55,000 per 10 grams versus Rs. 95,000 per 10 grams is substantial — nearly double the borrowing capacity from the same asset, with no additional paperwork or change in eligibility criteria.

What has not changed
While gold prices have moved sharply, the process of getting a gold loan at Bajaj Finance remains as straightforward as it has always been. Applicants need to be Indian citizens between 21 and 80 years of age. Only one KYC document is required — an Aadhaar card, Voter ID, passport, driving licence, NREGA job card, or a letter from the NPR. 

Gold jewellery or ornaments between 18 karat and 22 karat purity is accepted. Gold coins up to 24 karat are also eligible. Loan amounts range from Rs. 5,000 to Rs. 2 crore, with low gold loan interest rates per annum.

Disbursement, in most cases, happens on the same day the application is processed at a branch.

How valuation works
Bajaj Finance uses a transparent valuation method — the lower of the previous day's closing price or the 30-day average closing price published by the India Bullion and Jewellers Association (IBJA) or a SEBI-regulated commodity exchange. This protects borrowers from unrealistic valuations during short-term price spikes and ensures consistency across assessments.

Decorative elements such as stones or enamel on jewellery are excluded. Only the actual gold content is assessed.

A considered way to use an appreciating asset
Gold sitting in a locker generates no returns on its own. A gold loan allows households to put that asset to work — funding a medical emergency, a child's education, a business requirement, or any other immediate need — while retaining ownership of the gold itself. Once the loan is repaid, the jewellery is returned in full.

With gold prices at historic highs, the borrowing capacity available against household gold has never been greater. For families across India weighing their financial options, that is a practical reality worth knowing.

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

Bajaj Finance Gold Loan

What a gold loan actually is
A gold loan is a secured loan where the borrower pledges gold jewellery, ornaments or coins as collateral in exchange for funds. The loan amount is determined by the weight and purity of the gold, the applicable gold rate on the day of assessment, and the Loan-to-Value (LTV) ratio set by the lender. Once the loan is repaid in full, the gold is returned to the borrower.

Unlike personal loans or credit cards, a gold loan offers a low interest rate and easy-to-meet eligibility criteria. This makes it accessible to a wide range of borrowers — salaried individuals, self-employed professionals, and pensioners among them.

Who can apply
Bajaj Finance accepts gold loan applications from Indian citizens between the ages of 21 and 80 years. The eligibility criteria are intentionally simple — the focus is on the quality and purity of the gold being pledged, not solely on the applicant's financial history.

Gold jewellery and ornaments between 18 karat and 22 karat purity are accepted as collateral. Gold coins up to 24 karat purity are also eligible. Items below 18 karat purity — such as 14 karat or 9 karat gold — do not qualify.

How the loan amount is calculated
The loan amount is not based on what the borrower originally paid for their gold. It is calculated using the weight and purity of the gold, combined with the prevailing market rate at the time of assessment.

For valuation, Bajaj Finance uses whichever is lower between the previous day's closing price and the 30-day average closing price published by the India Bullion and Jewellers Association (IBJA) or a SEBI-regulated commodity exchange. This method ensures that the valuation is fair, consistent, and not inflated by short-term price spikes.

Decorative elements on jewellery — such as stones, enamel, or lac work — are excluded from the valuation. Only the actual gold content is counted.

Bajaj Finance offers gold loans ranging from Rs. 5,000 to Rs. 2 crore, depending on the gold's assessed value and the applicable LTV ratio.

Documents required
One of the more practical aspects of a gold loan is how little paperwork it involves. Bajaj Finance requires only one valid KYC document from the following:

• Aadhaar card

• Voter ID

• Passport

• Driving licence

• NREGA job card

• Letter from the National Population Register (NPR)

No income proof, salary slips, or bank statements are required.

How repayment works
Bajaj Finance offers multiple repayment options, giving borrowers the flexibility to choose a structure that suits their cash flow:

• Monthly interest payments with principal at the end of the tenure

• Bi-monthly interest payments with principal at the end of the tenure

• Quarterly interest payments with principal at the end of the tenure

• Half-yearly interest payments with principal at the end of the tenure

• Annual interest payments with principal at the end of the tenure

Partial prepayment is allowed during the loan tenure. There are no foreclosure charges, meaning borrowers can close the loan early at any time without paying a penalty.

How the gold is kept safe
A concern many first-time gold loan applicants have is the safety of their gold during the loan period. Bajaj Finance stores all pledged gold in secured vaults with full insurance cover against misplacement, theft, burglary, or fire at branch, for the entire duration of the loan. The gold is returned to the borrower once the loan is repaid in full.

How to apply
Borrowers can apply for a Bajaj Finance gold loan in two ways:

At a branch: Visit the nearest Bajaj Finance branch with the gold to be pledged and one KYC document. The team assesses the gold's purity and weight, confirms the eligible loan amount, and processes the disbursement — typically on the same day.

Online: Applications can be initiated through the Bajaj Finance website or mobile app. Once the application is submitted, a representative contacts the applicant to guide them through the next steps.

A note on gold loan and credit score
A gold loan gets recorded in the borrower's credit report as a secured loan. The loan itself does not negatively affect the credit score. However, repayment behaviour does — timely repayments can gradually improve a borrower's CIBIL score, while missed or delayed payments can bring it down. Borrowers are encouraged to use the gold loan calculator to plan their repayments before applying.

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

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.