Bajaj Finance Personal Loan

Customers can apply for a loan ranging from Rs. 40,000 to Rs. 55 lakh, subject to eligibility and applicable terms. The repayment tenure ranges from 12 months to 108 months. This extended tenure gives eligible borrowers more time to repay their loans and plan their monthly budgets.

What is new in Bajaj Finance Personal Loan?

Bajaj Finance Personal Loan offers a repayment tenure of up to 108 months, giving borrowers the option to spread repayments over a longer period. This feature can help customers manage larger festive purchases while keeping their monthly financial commitments in view.

The available loan amount ranges from Rs. 40,000 to Rs. 55 lakh. Customers can select an amount based on their eligible expenses, repayment capacity and applicable loan terms.

The extended tenure also gives borrowers more flexibility when planning expenses such as home appliances, furniture, electronics, home upgrades and festive gifts. However, the loan amount and tenure offered will depend on the lender's assessment and the applicable terms.

How can an extended repayment tenure support festive budgeting?

A longer repayment tenure can reduce the monthly instalment for a given loan amount and interest rate compared with a shorter tenure. This may help borrowers manage their household budgets during the festive season.

For example, a customer planning to purchase appliances or upgrade a home can compare different repayment periods before choosing a loan. A suitable tenure can help balance the monthly EMI against other costs, such as household bills, savings and existing loan repayments.

However, a longer tenure generally increases the total interest paid over the life of the loan, assuming the same principal and interest rate. Customers should therefore compare both the monthly EMI and the total repayment amount before making a decision.

Who can benefit from the extended repayment tenure?

Bajaj Finance Personal Loan may suit eligible customers who need funds for planned purchases or other permitted personal expenses during Diwali. The extended repayment option can be useful for customers managing larger expenses that may be difficult to cover from their regular monthly income alone.

Potential uses include:

• Purchasing home appliances, electronics or furniture.

• Paying for eligible home improvement work.

• Buying festive gifts for family members.

• Managing planned personal expenses alongside regular household costs.

Customers should borrow only the amount they need and can reasonably repay. Comparing the loan EMI with existing financial commitments can help them make an informed borrowing decision.

What is the Bajaj Finance Personal Loan interest rate?

The Bajaj Finance Personal Loan interest rate ranges from 10% to 30.5% per annum. The applicable rate depends on the lender's assessment and the terms offered to the individual borrower.

The interest rate affects both the monthly EMI and the total cost of borrowing. Customers should review the rate offered, repayment tenure, processing fees and other applicable charges before accepting a loan.

A personal loan interest rate comparison can help borrowers understand how different rates and tenures affect repayment. Choosing a longer tenure may lower the EMI, but it can also increase the total interest paid.

Bajaj Finance Personal Loan is collateral-free, so eligible borrowers do not need to pledge an asset as security. This can make it an option for customers seeking funds without offering property or other assets as collateral.

How does the Bajaj Finance Personal Loan application process work?

Customers can begin the application process online by providing the required details and completing the lender's application steps. The process includes an assessment of the applicant's information, eligibility and other applicable lending requirements.

The application process is designed to support quick approval and requires minimal documentation, subject to the applicant's profile and verification requirements. Approval is not guaranteed and depends on the lender's assessment.

Once the loan is approved and the required formalities are completed, funds may be disbursed within 24 hours* of approval. The actual disbursal time can depend on verification, documentation and other applicable conditions.

Customers should check the final loan offer carefully before accepting it. Reviewing the EMI, interest rate, tenure and charges can help them understand their repayment obligations.

How can customers choose a suitable loan amount and tenure?

Customers can start by estimating their total festive expenses and deducting the amount they can pay from their available savings. The remaining amount can help them determine whether borrowing is necessary and how much they may need.

They can then compare repayment periods between 12 months and 108 months. A shorter tenure generally means higher monthly EMIs but lower total interest, while a longer tenure can reduce monthly payments but increase the overall borrowing cost.

Using a personal loan EMI calculator can help customers estimate monthly instalments for different loan amounts, interest rates and tenures. This allows them to compare repayment options before applying.

How does Bajaj Finance support responsible borrowing?

Bajaj Finance Personal Loan provides eligible customers with access to unsecured credit through a defined application and assessment process. Its loan structure includes a range of loan amounts, repayment periods and interest rates to support different borrowing needs.

Customers are encouraged to assess their financial position, understand all applicable charges and select a repayment plan that fits their budget. Clear information about loan costs and repayment obligations supports informed financial decisions.

As households prepare for Diwali 2026, Bajaj Finance Personal Loan offers an option to manage eligible festive expenses through planned borrowing. Customers can check their eligibility and explore the available loan terms online before applying.

*Terms and conditions apply.

About Bajaj Finance Ltd.

Bajaj Finance Ltd. (BFL), 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 serves over 124.43 million customers through a diversified portfolio comprising consumer loans, SME finance, commercial lending, rural lending, fixed deposits and payments, offered through Web, App and at 4,000+ locations. As a FinAI company, BFL is focused on continuous innovation through smart use of technology, data and analytics to drive seamless, simplified and personalized experiences for its 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 BBB/Stable and a short-term rating of A-2 by S&P Global ratings. It has been assigned a ‘Baa3 Corporate Family Rating’ with Stable outlook from Moody’s Rating.

Bajaj Finance Personal Loan

Before applying, customers can use the personal loan EMI calculator to estimate monthly instalments and compare repayment options. By adjusting the loan amount, interest rate and tenure, they can choose a repayment plan that suits their budget.

What repayment tenures does Bajaj Finance Personal Loan offer?

Bajaj Finance Personal Loan offers repayment tenures ranging from 12 months to 108 months, subject to eligibility and the loan terms. This flexibility allows borrowers to select a repayment period that suits their monthly budget and financial commitments.

A longer tenure can reduce the monthly EMI for the same loan amount and interest rate. However, it may increase the total interest payable over the loan period. Borrowers can use a personal loan EMI calculator to compare different repayment periods and understand the impact on their monthly expenses.

Why is repayment planning important?

Repayment planning helps borrowers understand how a loan may affect their monthly finances. It allows them to account for regular expenses, existing EMIs, savings and other financial commitments before taking on additional debt.

For example, a borrower planning home repairs or education expenses can estimate the EMI before applying. This helps determine whether the monthly instalment fits within the available income.

A personal loan EMI calculator also helps compare shorter and longer repayment tenures. A shorter tenure generally results in higher monthly EMIs but lower total interest costs. A longer tenure may reduce the monthly payment but increase the total borrowing cost.

Borrowers should consider both the EMI and the total interest payable before choosing a repayment period.

Who can benefit from flexible repayment options?

Flexible repayment options may help eligible customers who need funds for large expenses or want to spread repayments over a longer period.

Salaried individuals may use a personal loan to manage home improvements, education costs, medical bills, family events or other planned expenses. The available loan amount depends on the applicant's eligibility and the lender's assessment.

Before applying for a Bajaj Finance Personal Loan, customers should review their income, existing EMIs, regular household expenses and savings goals. This can help them choose a suitable loan amount and repayment tenure.

What is the Bajaj Finance Personal Loan interest rate?

The interest rate for Bajaj Finance Personal Loan ranges from 10% to 30.5% per annum. The applicable rate depends on the borrower's profile, eligibility and the loan terms offered.

The interest rate affects both the monthly EMI and the total cost of borrowing. For the same loan amount and tenure, a higher interest rate generally results in a higher EMI and greater interest costs.

A personal loan EMI calculator helps borrowers estimate their repayments before applying. Customers should also review the applicable fees and charges to understand the overall cost of the loan.

How does the personal loan EMI calculator work?

A personal loan EMI calculator estimates the monthly instalment required to repay a loan over a selected tenure. It uses three main inputs: the loan amount, the annual interest rate and the repayment period.

Customers can estimate their EMI by following these steps:

1. Enter the loan amount: Select an amount within the available range, subject to eligibility.

2. Enter the interest rate: Use the applicable annual interest rate.

3. Select the tenure: Choose a repayment period between 12 months and 108 months, where available.

4. Check the estimated EMI: Review the monthly instalment and compare different repayment options.

For example, borrowers can compare two repayment periods to see how the monthly EMI and total interest costs change. The calculator provides an estimate. The final repayment amount depends on the loan terms offered by the lender.

How does the Bajaj Finance Personal Loan application process work?

Bajaj Finance Personal Loan offers an online application process for eligible borrowers. Customers can begin by checking their eligibility and submitting the required details and documents.

The application process generally includes these steps:

1. Check loan eligibility – Customers can visit the personal loan page on the Bajaj Finance website, enter the loan amount needed, select the repayment period, and click on "CHECK LOAN OFFER" to check loan eligibility.

2. Enter personal details – Customers need to provide personal, financial, and employment details to receive a personalised loan offer.

3. Review loan offer – Customers can check their offer details and adjust the loan amount or repayment tenure, if required.

4. Complete KYC verification – The loan applicant can verify their identity and bank details to proceed with their application.

5. Speak to a loan specialist – Once the loan application is submitted, a Bajaj Finance representative will contact the applicant with the next steps.

Bajaj Finance Personal Loan is collateral-free, so borrowers do not need to pledge an asset as security. The application process involves minimal documentation, subject to the lender's requirements.

Funds may be disbursed within 24 hours* of approval and completion of the required checks, subject to the applicable terms. Approval and disbursal are not guaranteed for every applicant.

Supporting responsible borrowing through clear repayment planning

Bajaj Finance Personal Loan provides eligible borrowers with access to funds without collateral and repayment tenures of up to 108 months. A personal loan EMI calculator helps customers estimate monthly instalments and compare repayment options before making a borrowing decision.

Customers should assess their repayment capacity, review all applicable charges and select a loan amount that fits their financial needs. Bajaj Finance follows an application and verification process to assess each application according to the applicable lending terms.

Customers can visit the official Bajaj Finance website to check their eligibility, explore available loan options and apply online.

*Terms and conditions apply.

*Loan approval, interest rates, repayment tenure and disbursal are subject to eligibility, verification and the lender's terms.

About Bajaj Finance Ltd.

Bajaj Finance Ltd. (BFL), 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 serves over 124.43 million customers through a diversified portfolio comprising consumer loans, SME finance, commercial lending, rural lending, fixed deposits and payments, offered through Web, App and at 4,000+ locations. As a FinAI company, BFL is focused on continuous innovation through smart use of technology, data and analytics to drive seamless, simplified and personalized experiences for its 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 BBB/Stable and a short-term rating of A-2 by S&P Global ratings. It has been assigned a ‘Baa3 Corporate Family Rating’ with Stable outlook from Moody’s Rating.

The platform brings strategy discovery, customisation, automated execution and trade monitoring into a single interface. users can explore available strategies, review their objectives, risk profile and margin requirements, and choose to subscribe based on their individual preferences and risk considerations.

For users looking to build their own strategies, the platform offers a strategy builder with configurable indicators, entry and exit conditions, execution parameters and position sizing. Users can define parameters such as trading direction, operating hours and trading days, and configure target, stop-loss and trailing stop-loss mechanisms in line with their strategy requirements.

Risk management is integrated into the platform through configurable controls at both strategy and account levels. Users can set maximum profit and loss thresholds, limit the number of trades for a strategy, and pause individual strategies or stop algorithmic trading through a dedicated stop control. The platform also provides a consolidated view of open positions, pending orders, trade history, execution details and strategy signals, enabling users to monitor activity and execution status.

Ready-made strategies include exchange-registered black-box strategies offered by SEBI-registered Research Analysts, while customised strategies are built using exchange-registered white-box indicators. Strategy information, applicable disclosures and consent requirements are presented as part of the subscription process.

Commenting on the launch, Anurag Misra, Chief Technology Officer, Bajaj Financial Securities Limited, said, "With this launch, we are expanding the range of tools available to users to participate in the markets with greater flexibility and control. By bringing ready-made strategies and custom strategy-building capabilities alongside risk management and trade monitoring, we aim to make rule-based trading more accessible, with clear visibility of their strategies' activity and execution. Our focus remains on building technology-led solutions with transparency and informed decision-making at the core of the experience."

The launch marks another step in Bajaj Broking's continued investment in its digital trading capabilities, supporting a more structured approach to market participation.

Say goodbye to financial friction and hello to ultimate cart freedom. Finnable and Flipkart Finance have officially joined hands to integrate consumer credit right where you actually spend your time: your favourite shopping apps. Available across Flipkart, Myntra and Flipkart Minutes, the partnership deepens the digital credit infrastructure, now with Finnable's underwriting extending access to a wider set of India's shoppers.

Finnable partners with Flipkart Finance to expand access to instant checkout credit across Flipkart, Myntra and Flipkart Minutes, including for new-to-credit customers

Whether you're refreshing your wardrobe on Myntra, restocking essentials on Flipkart Minutes, or grabbing tech on Flipkart, you can now split payments, manage your budget, and check out seamlessly with up to Rs 1 Lakh. The programme is already live across India and has seen strong early uptake from customers since launch.

Customers can choose from three repayment options. Short-term credit repayable in up to 30 days, Pay in 3 splits the cost across three payments. EMI plans run from 3 to 12 months for higher-value purchases such as mobiles, electronics and appliances. The entire journey takes place within the app, and eligible customers are approved within seconds.

"India's next wave of consumers will meet credit where they already shop, not at a traditional bank branch," says Amit Arora, Co-Founder, Finnable. "With Flipkart Finance and Flipkart platforms, we're bringing formal credit to customers across segments with the exact simplicity they expect in their shopping experience."

About Finnable

Finnable is a technology-led lending start-up focused on making credit simple, fast, and accessible. Founded by Nitin Gupta and Amit Arora, the start-up offers personal loans, Loans Against Property (LAP), and consumer finance, combining data-driven underwriting with a customer-first approach. (Web: finnable.com/finnable.credit)

Disclaimer & Regulatory Note

Finnable Credit Private Limited and Flipkart Finance Private Limited are RBI-registered NBFCs. Loans are jointly originated under the RBI specified digital & co-lending framework, with Flipkart platforms facilitating the digital customer journey. All loans are subject to eligibility, documentation, and credit assessment. All applicable charges are detailed in the Key Fact Statement.

A new way for India to pay with Apple Pay on Razorpay
 

As digital payments continue to evolve in India, the way shoppers authenticate transactions is evolving too. In September 2025, the RBI introduced a new framework that lets payment players move beyond SMS OTPs to other secure ways of authenticating payments. It came into effect in April 2026, opening the door to checkouts that are faster without compromising on security.

Apple Pay on Razorpay is built for exactly this moment. Shoppers simply choose Apple Pay at checkout, check their payment, and confirm it in seconds with Face ID, Touch ID, or their device passcode. No card details to type. No OTP to wait for.

It's more secure too. Apple Pay uses tokenised card credentials, so the shopper's actual card number is never shared with the business. That adds another layer of protection against fraud and helps reduce the risk of chargebacks.

For businesses, the payoff is simple: fewer steps between "I want this" and "Payment successful." And because Apple Pay works across iPhone, Apple Watch, iPad, Mac and Apple Vision Pro, as well as on PCs through browsers like Chrome and Firefox, Razorpay merchants can offer the same smooth experience wherever their shoppers purchase.

Rahul Kothari, COO, Razorpay said, “Paying should be the easiest part of buying something, not the hardest. People expect every experience on their mobile devices and at payment outlets to be quick and effortless, and online payments via checkout should be no different. Apple Pay removes much of that friction, and with Razorpay, businesses don't need to rebuild anything to offer it. It fits right into the checkout they already use, backed by the reliability and scale thousands of Indian businesses count on. For merchants, that means faster checkouts and more successful payments."

For businesses using Razorpay Standard Checkout, Apple Pay can be enabled without building and maintaining a separate checkout flow, subject to enablement requirements. Razorpay securely routes transactions across Apple Pay, card networks, issuing banks, and processes the domestic payment once it is authorised by the shopper.

The launch extends Razorpay’s existing support for Apple Pay international transactions to domestic payments in India, further strengthening its role in helping businesses offer modern payment experiences through a single payments infrastructure.

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.

Bajaj Finance Personal Loan

The selected tenure can affect the monthly EMI and total interest payable. Borrowers can use a personal loan EMI calculator to compare repayment periods before deciding on a loan structure.

How does personal loan tenure affect monthly EMI?

Loan tenure determines the period over which the borrowed amount is repaid. A longer tenure spreads the repayment across more months, which can reduce the monthly EMI.

However, a longer repayment period can increase the total interest payable because interest may be charged over a greater number of months. A shorter tenure can result in a higher monthly EMI but may reduce the overall interest cost.

Borrowers should therefore assess both the monthly EMI and total repayment rather than considering the EMI alone.

What is the available repayment tenure?

The Bajaj Finance Personal Loan provides repayment tenures from 12 months to 108 months. The available period gives borrowers different options for structuring repayments based on the loan amount and applicable terms.

The selected tenure should be considered alongside the applicable interest rate and loan amount. These factors work together to determine the monthly repayment and overall borrowing cost.

Borrowers with higher existing financial commitments may need to assess whether the monthly EMI can be maintained throughout the selected tenure.

How does loan amount affect the choice of tenure?

The loan amount also influences the repayment obligation. Bajaj Finance Personal Loan amounts range from Rs. 40,000 to Rs. 55 lakh.

For the same interest rate, a higher loan amount generally results in a higher EMI. Selecting a longer tenure can spread this repayment across more months, although it may increase the total interest payable.

Borrowers should first assess the amount required and then compare different tenure options. Borrowing more than the required amount can increase the overall repayment commitment.

How can a personal loan EMI calculator help?

A personal loan EMI calculator can provide an estimated monthly instalment based on the loan amount, interest rate, and tenure entered.

Borrowers can change the tenure while keeping the loan amount and interest rate unchanged. This can show how a shorter or longer repayment period may affect the estimated EMI.

The calculator can also help compare the estimated total repayment across different scenarios. The result is an estimate and does not represent the final loan obligation.

What should borrowers consider before selecting a tenure?

Tenure should be assessed against the borrower's repayment capacity and overall borrowing cost. A lower EMI may provide more room in the monthly budget, but a longer tenure can increase the total interest payable.

Borrowers should consider:

• Monthly income and existing financial commitments

• Required loan amount

• Applicable interest rate

• Estimated monthly EMI

• Total repayment over the selected tenure

• Applicable charges

• Part-prepayment terms

• Loan terms stated in the offer and related documents

The personal loan interest rate for Bajaj Finance Personal Loan ranges from 10% to 30.5% per annum. The final rate offered to an applicant remains subject to the lender's assessment, eligibility and applicable terms.

What are the eligibility requirements?

The eligibility criteria for a Bajaj Finance Personal Loan include the following:

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

Meeting these criteria does not guarantee approval. The final loan offer remains subject to eligibility assessment, document verification and applicable terms.

How can customers apply for the personal loan?

Customers can begin the application process online through the Bajaj Finance website. The process generally includes the following steps:

1. Check loan eligibility – Customers can visit the personal loan page on the Bajaj Finance website, enter the loan amount needed, select the repayment period, and click on "CHECK LOAN OFFER" to check loan eligibility.

2. Enter personal details – Customers need to provide personal, financial, and employment details to receive a personalised loan offer.

3. Review loan offer – Customers can check their offer details and adjust the loan amount or repayment tenure, if required.

4. Complete KYC verification – The loan applicant can verify their identity and bank details to proceed with their application.

5. Speak to a loan specialist – Once the loan application is submitted, an executive will contact the applicant with the next steps.

The application remains subject to eligibility and successful verification. The stated disbursal timeline is within 24 hours*, subject to successful document verification and applicable terms. The timeline should not be treated as a guaranteed disbursal period.

Bajaj Finance Personal Loan tenure can affect overall repayment

The Bajaj Finance Personal Loan offers repayment tenures from 12 to 108 months. The selected period can affect both the monthly EMI and the total interest payable.

A longer tenure may reduce the monthly repayment but can increase the overall interest cost. A shorter tenure may increase the EMI while potentially reducing the total interest payable.

Borrowers should compare the loan amount, applicable interest rate, tenure, EMI and total repayment before accepting a loan offer. The personal loan EMI calculator can support this comparison by providing estimated repayment figures.

*Terms and conditions apply.

*Disbursal within 24 hours is subject to successful document verification and applicable terms.

About Bajaj Finance Ltd.

Bajaj Finance Ltd. (BFL), 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 serves over 124.43 million customers through a diversified portfolio comprising consumer loans, SME finance, commercial lending, rural lending, fixed deposits and payments, offered through Web, App and at 4,000+ locations. As a FinAI company, BFL is focused on continuous innovation through smart use of technology, data and analytics to drive seamless, simplified and personalized experiences for its 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 BBB/Stable and a short-term rating of A-2 by S&P Global ratings. It has been assigned a ‘Baa3 Corporate Family Rating’ with Stable outlook from Moody’s Rating.

Check Credit Score and Understand Credit Health with the Bajaj Finance Credit Pulse Report

The Bajaj Finance Credit Pulse Report provides an online way to check available credit information at no additional cost. Reviewing this information can help individuals understand their credit profile, stay aware of their credit position and make informed decisions about future borrowing.

What is a credit score?

A credit score is a numerical representation of information in an individual's credit history. It provides a quick view of credit standing and forms one part of the overall credit profile.

The score is calculated using information related to an individual's credit behaviour. Factors such as payment history, credit utilisation, credit history and credit accounts can contribute to credit scoring.

A credit score is therefore useful as a starting point, but it does not provide the complete context of an individual's credit profile.

How to check a credit score online?

A credit score can be checked through different online channels, including credit bureau websites and financial platforms that provide access to credit information. The process usually involves entering basic personal details and completing a verification step before the available credit information can be accessed.

The Bajaj Finance Credit Pulse Report provides an online way to check available credit information.

Step 1: Visit the Bajaj Finance Credit Pulse Report page

Individuals can visit the official Bajaj Finance website and open the Bajaj Finance Credit Pulse Report page. The option to check the credit score can then be selected.

Step 2: Verify the registered mobile number

The registered mobile number needs to be entered. An OTP is sent to the number to complete the verification process.

Step 3: Enter the required details

Customers need to provide details such as their name, PAN, date of birth, email address, mobile number and PIN code.

Step 4: Access the credit score

Once the required verification is completed, the available credit score is displayed on the screen.

Step 5: Review the credit report

The available credit information can then be reviewed to understand the credit profile. The report includes information relating to repayment history, credit accounts, recent enquiries and other credit-related details.

The report can also be downloaded for future reference.

What is credit health?

Credit health refers to the broader condition of an individual's credit profile and how credit has been managed over time.

A credit score is one part of credit health. Information such as repayment history, credit accounts, credit utilisation, credit history and credit enquiries can provide additional context about the credit profile.

In simple terms, a credit score provides a number, while credit health provides a broader view of how credit has been managed.

Why does credit health matter?

Credit information can become relevant when an individual applies for a loan or credit card, manages existing credit or plans future borrowing.

Regularly reviewing credit information can help individuals remain aware of their credit position and identify information that may need attention.

What information helps understand credit health?

A credit report can provide information that helps individuals understand their credit profile. The exact information available can vary depending on the credit bureau and report.

What is credit analysis?

Credit analysis is the process of reviewing credit-related information to understand an individual's credit profile and creditworthiness.

Credit analysis can involve reviewing:

• Credit score

• Repayment history

• Credit accounts

• Credit utilisation

• Credit history

• Credit enquiries

Looking at these factors together can provide more context than reviewing a credit score alone.

For example, a credit score can provide a quick indication of credit standing, while credit history and account information can provide additional insight into how credit has been managed.

Credit score vs credit health: what is the difference?

Credit score and credit health are related, but they are not the same.

In short: a credit score provides a numerical summary, while credit health provides a broader understanding of an individual's credit profile.

Why should credit health be checked?

Checking credit information can help individuals stay informed about their current credit position.

How does the Bajaj Finance Credit Pulse Report help?

The Bajaj Finance Credit Pulse Report provides an online route to check available credit information. It can serve as a starting point for individuals who want to check their credit score and understand their credit position.

Rather than looking at a credit score in isolation, reviewing the available credit information can provide greater context about the credit profile. A credit score is the starting point. Reviewing available credit information provides greater context about the credit profile.

How to read credit information?

Checking a credit report is useful when the information can be understood in context.

If any information appears incorrect or unfamiliar, it can be reviewed and, where necessary, raised with the relevant lender or credit bureau.

How can individuals maintain healthy credit?

Understanding credit health is only the first step. Responsible credit management can also help individuals maintain their credit profile.

• Pay credit obligations on time: EMIs and credit card dues should be paid by their due dates.

• Monitor credit utilisation: Regularly reviewing credit card usage can help individuals remain aware of how much available revolving credit is being used.

• Avoid unnecessary credit applications: Individuals can avoid applying for credit when there is no immediate need for additional borrowing.

• Review credit information periodically: Periodic checks can help individuals remain aware of changes in their credit profile.

• Check for unfamiliar activity: Accounts or enquiries that appear unfamiliar should be reviewed and, where necessary, raised with the relevant lender or credit bureau.

When should a credit score be checked?

There is no single situation in which a credit score needs to be checked. Individuals may consider reviewing their credit information at different points in their credit journey.

• Before applying for a loan

• Before applying for a credit card

• When reviewing existing credit

• After closing a credit account

• When planning future borrowing

• When unfamiliar credit activity appears

• As part of regular financial planning

A periodic review can help individuals remain informed about their credit position instead of checking it only when a new credit application is being considered.

Stay informed about your credit profile. Check your credit score and credit report for free with the Bajaj Finance Credit Pulse Report.

*Terms and conditions apply.

About Bajaj Finance Limited

Bajaj Finance Ltd. (BFL), 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 serves over 124.43 million customers through a diversified portfolio comprising consumer loans, SME finance, commercial lending, rural lending, fixed deposits and payments, offered through Web, App and at 4,000+ locations. As a FinAI company, BFL is focused on continuous innovation through smart use of technology, data and analytics to drive seamless, simplified and personalized experiences for its 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 BBB/Stable and a short-term rating of A-2 by S&P Global ratings. It has been assigned a ‘Baa3 Corporate Family Rating’ with Stable outlook from Moody’s Rating.

DB Investing launches AI-led transformation with dbinvesting.ai

“We do not believe that adding a chatbot to a website makes a financial company an AI company,” said Gennaro Lanza, Chief Executive Officer at DB Investing. “We have spent a long time developing an infrastructure where AI becomes part of the core of the company, its products and eventually the entire customer experience.”

AI connects to the trader’s account

The technology extends beyond DB Investing through a lightweight connector for compatible MetaTrader 4 and MetaTrader 5 accounts, including accounts held with third-party brokers. Traders therefore do not need to change brokers to use the technology.

Eligible users receive monthly AI credits. Advanced users can also connect supported AI services using their own API credentials.

The system is designed to analyse individual trading behaviour, including trading history, instruments, holding periods, frequency, position sizing and performance. It also considers risk behaviour, drawdowns, concentration, discipline and changes in behaviour over time.

Wealth Copilot is planned within weeks

DB Investing plans to release Wealth Copilot within weeks. The 24/7 AI agent will combine trading activity with market intelligence and portfolio context to identify account changes, unusual risk exposure, concentration, risk-management observations and behavioural or performance patterns.

It will also surface events and news relevant to open positions. The aim is to organise information around each investor rather than requiring them to search across terminals, calendars, media outlets and statements.

AI Traders University focuses on trading behaviour

DB Investing’s AI Traders University is built around an AI mentor that analyses how each trader behaves in the market. It is designed to identify patterns such as late entries, increased position sizes after losses, early exits from winning trades and prolonged losing positions.

The system also examines overtrading, activity during volatile periods, disregard for personal risk rules and repeated mistakes, including concentration in correlated markets.

A broader AI ecosystem is planned

dbinvesting.ai is intended as the foundation for a wider ecosystem. DB Investing’s roadmap includes Wealth Copilot, AI Traders University, AI financial assistants, portfolio analytics, account connectivity, personalised education as well as trading behaviour, risk and market intelligence.

The company envisions these services ultimately operating on the same AI Core Engine across customer-facing products and internal operations.

“This is not a feature we are adding to DB Investing,” Lanza said. “It is the beginning of changing what DB Investing is. Our objective is an AI infrastructure capable of sitting beside every trader and investor, understanding their behaviour and giving them intelligence that historically required several platforms.”

About DB Investing

DB Investing is an international financial services and trading brand providing access to global markets. Through dbinvesting.ai, it is developing fintech, AI and trading technology that connects trading, investing, market intelligence and education.

Representatives from In-Solutions Global Ltd, Visa, Indian Bank, Union Bank of India, and Indian Overseas bank

With Visa Payment Passkey, banks and merchants on ISG's payments platform can offer FIDO-based, phishing-resistant authentication for card-not-present transactions — replacing SMS OTPs with a faster sign-in built directly into the checkout flow. The approach is designed to reduce fraud and cart abandonment while aligning with card-network and regulatory direction on strong customer authentication. 

“Visa Payment Passkey gives control of the payment back in the cardholder's hands with additional benefits of higher success ratios and stronger security. That's what builds trust and trust is what drives inclusion. It's the first step into agentic AI in payments, enabling a truly seamless digital payments journey,” said Mrs. Adelia Castelino, Co-Founder & Managing Director, In-Solutions Global (ISG).

“Visa is proud to partner with ISG to enable Visa Payment Passkey for leading issuers in India, advancing a more secure, seamless and trusted digital payments experience. As commerce evolves, this collaboration reflects our shared commitment to embedding trust at the core of every transaction and helping issuers, merchants and consumers embrace the next generation of digital payments with confidence,” said Rishi Chhabra, Country Manager, India, Visa.

The launch reflects a broader industry shift away from OTPs toward passkey — a FIDO Alliance and W3C WebAuthn-based standard already adopted across major platforms — as networks and regulators push for stronger, more usable authentication in digital commerce. For a payments technology provider operating switches, gateways, issuing and acquiring platforms under standards such as PCI DSS and ISO 27001, embedding passkey support directly into the checkout journey lets issuing banks modernise authentication without rebuilding their existing infrastructure.

For ISG, Visa Payment Passkey builds on capabilities already embedded across its issuing and acquiring platforms — including tokenisation and existing authentication tooling — extending that foundation to FIDO Alliance-based passkey standards. The shift is designed to lift authentication success ratios and ease adoption for cardholders and merchants alike, while laying the groundwork for the next phase of digital commerce, in which software agents may initiate payments on a customer's behalf within secure, verifiable authentication frameworks. ISG and Visa see passkey as an early step toward safe, secure agentic payments — pairing Visa's network capabilities with ISG's payments infrastructure to advance security and customer experience together, as complementary priorities rather than a trade-off.

ISG and Visa intend to share further detail on rollout timelines and participating issuers. Consistent with ISG's practice, the companies are highlighting capabilities that are live or in confirmed delivery. Participating issuers include Union Bank of India, Central Bank of India, Bank of Maharashtra, Indian Overseas Bank and Indian Bank.

About In-Solutions Global (ISG)
In-Solutions Global (ISG) is a global payments technology and infrastructure company, founded in 2004 and headquartered in Mumbai, India. ISG enables banks, fintechs, merchants, corporates and governments with secure, scalable solutions across the payments value chain, spanning issuing, acquiring, reconciliation, payment orchestration, fraud and risk management, card management, digital payments and cross-border payments. With a growing presence across India, the Middle East, Africa, Australia, APAC and Europe, ISG combines deep payments expertise with regulatory capabilities and technology innovation. In India, ISG is authorised by the Reserve Bank of India (RBI) as a Payment Aggregator for Online, Physical/Offline and Cross-Border payments, and also holds a Prepaid Payment Instrument (PPI) authorisation. Through its presence in GIFT City, Gujarat, and its IFSCA licence, ISG is also building capabilities to serve international and cross-border payment requirements. ISG is a recognised Technology Service Provider for RuPay, Visa and Mastercard and is certified to PCI DSS, PCI SSF, ISO 27001 and ISO 27701. Learn more at www.insolutionsglobal.com.

Aditya Birla Capital unveils ‘Agentic AI for Bharat’s BFSI: A Practitioner’s View’

Click here to download the whitepaper

The whitepaper presents a fundamental shift in financial inclusion, from providing access to the depth of offering. With access to financial services having expanded significantly, the next frontier lies in helping customers understand, adopt and appropriately use products that are relevant to their financial needs.

The whitepaper also explores how Agentic AI can make personalised guidance, engagement, onboarding and servicing more economically viable at scale, enabling financial institutions to reach wider customer segments and serve them better.

Mr. Pankaj Gadgil, MD & CEO, Aditya Birla Housing Finance Limited and Head, Digital Platforms and Payments Strategy, Aditya Birla Capital, said, “Our vision is to build a future-ready, scalable enterprise where intelligence, foresight, and customer-first approach drive decision making. Through our AI-first strategy, we are simplifying customer journeys, accelerating product innovation, automating underwriting, enhancing service delivery, and delivering greater operational efficiency. Responsible AI is a core enterprise capability for us to drive sustainable scale, trust, and resilience. As we evolve from individual AI use cases to enterprise-wide connected intelligence, robust governance, human accountability, and customer trust will remain fundamental to how we innovate, grow, and create long-term value for all stakeholders.”

Drawing from Aditya Birla Capital’s experience, the whitepaper presents eight areas of Agentic AI deployment across the enterprise, from orchestration of customer journeys, tele-sales and cross-sell, top-of-funnel engagement, customer service and retention, sales coaching, marketing and personalisation, software development, and audit, finance, investment and compliance. Several of these initiatives are already operating in production and demonstrate how AI can be embedded into end-to-end workflows rather than deployed as standalone point solutions.

Agentic AI in Action: Areas of Deployment at Aditya Birla Capital

A central proposition of the whitepaper is that the value of Agentic AI should be measured not just through efficiency gains, but through its ability to deepen financial participation and augment human capacity to potentially serve more customers. It examines what it takes to move from AI experimentation to responsible enterprise-scale deployment. It highlights the importance of trusted data, connected systems, workflow redesign, workforce readiness and clearly defined human decision rights. It also highlights responsible AI practices including traceability, monitoring, accountability, security and data protection by design.

At the Global Fintech Fest 2026, Aditya Birla Capital won the ‘Best Digital Transformation Program’ award under Excellence in Banking Technology for its use of Generative AI, intelligent automation and real-time data insights to streamline processes, enhance customer experience, and make finance simpler, smarter and more connected.

Through ‘Agentic AI for Bharat’s BFSI: A Practitioner’s View,’ Aditya Birla Capital brings together its experience and learnings from scaling AI across the enterprise, offering a practitioner’s perspective on how financial institutions can build the capabilities required to move from individual AI use cases to responsible, scalable deployment, with customer outcomes and human judgement at the core.

Aditya Birla Capital Limited and its subsidiaries/JVs provide a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 66,500 employees, the businesses of ABCL have a nationwide reach with over 1,759 branches and more than 200,000 agents/channel partners along with several bank partners. ABCL and its subsidiaries/JVs manage aggregate assets under management of about Rs. 7.53 Lakh Crore, and the consolidated lending book crossed Rs. 2.19 Lakh Crore as of June 30, 2026 www.adityabirlacapital.com.

This AI integration is a ready-to-use plugin, rather than a developer tool. So far, connecting a demat and trading account to an AI assistant typically meant opening advanced or developer settings and manually adding server configuration details. Bajaj Broking's plugin sits directly inside ChatGPT's built-in plugin directory, where any user can find it, connect their demat and trading account securely using two-factor authentication, and start asking questions in under a minute.
 

The solution is expected to benefit a wide range of users, including active retail investors and traders seeking quicker access to portfolio information, technology-savvy investors exploring AI-powered tools, young professionals looking for smarter ways to track investments, and developers or algo traders looking to use market data.
 

"Investors today expect information on their own terms, instantly, in plain language, wherever they already are," said Anurag Misra, Chief Technology Officer, Bajaj Broking.

“Technology is most powerful when it removes friction rather than adding another layer of complexity. This launch is about making an emerging technology relevant to the everyday investor and creating a more intuitive way to access information that already belongs to them,” he added.

The Bajaj Broking plugin is now available for customers and can be connected directly through ChatGPT.

PaisaBack Credit Card offers 7.5% cashback on eligible online and offline grocery purchases, across leading supermarkets
 

The card was launched by Paisabazaar, Federal Bank and NPCI at the Global Fintech Festival in Mumbai. The Paisaback Credit Card offers 7.5% cashback on eligible online and offline grocery purchases, across leading supermarkets such as Reliance Fresh, DMart, Star Bazaar and Nature's Basket, as well as quick-commerce platforms including Blinkit, Zepto, Swiggy Instamart and BigBasket.

The credit card would be available on the RuPay network, and offers 1% cashback on eligible POS and e-commerce transactions and 0.5% cashback on eligible UPI transactions above Rs. 2,000. Cashback is credited as Cash Points directly to the customer's account, which can be redeemed conveniently.

The card comes with a joining and annual fee of Rs. 500, which is waived on annual spends of Rs. 1.5 lakh or more.

Santosh Agarwal, CEO, Paisabazaar, said, "Credit card rewards are most valuable when they translate into meaningful savings on expenses consumers make every month. Grocery spending is a significant and recurring expense for households, but card rewards around it have been traditionally limited. The Paisaback Credit Card makes everyday shopping more rewarding, while additional cashback on other purchases and UPI transactions enhances the value further. Our partnership with Federal Bank brings together our understanding of consumer spending behaviour to co-create a product that’s built around how consumers actually spend."

Saugata Basu, Senior Vice President and Head, Retail – Cards and Personal Loans, Federal Bank, said, “At Federal Bank, we believe the most impactful financial products are those that seamlessly fit into customers' everyday lives. The Paisaback Credit Card has been crafted to reward customers where they spend most often, particularly on essential categories such as groceries, while extending value across a broader range of everyday transactions. In partnership with Paisabazaar, we are bringing customers a proposition that is built around convenience, relevance, and meaningful savings. We believe this product will redefine how customers perceive value from their everyday spending.”

Key Features of Paisaback Credit Card

• 7.5% cashback on eligible grocery purchases made online and offline at merchants such as Reliance Fresh, DMart, Star Bazaar, Nature's Basket, Blinkit, Zepto, Swiggy Instamart and BigBasket

• 1% cashback on eligible POS and e-commerce spends

• 0.5% cashback on eligible UPI transactions above Rs. 2,000, excluding grocery, fuel and travel categories

• Cashback credited as Cash Points, with a validity of one year

• Maximum cashback benefit of Rs. 1,000 per month across eligible transactions

• Fuel surcharge waiver of up to Rs. 100 per billing cycle

• Annual fee waiver on annual spends of Rs. 1.5 lakh or more

About Paisabazaar

Paisabazaar, a part of PB Fintech (listed since 2021), is India’s leading marketplace for financial products and a free credit score platform. Over the last 12+ years, Paisabazaar has earned the trust and goodwill of over 58 million consumers from 850 cities and towns across India. Paisabazaar has built wide and deep partnerships across the ecosystem, to offer a broad range of financial products, ranging from loans and cards to investments and savings along with bill payments and mobile recharge. The platform also enables consumers to check their free credit score from all 4 CICs (Credit Bureaus) in India. Paisabazaar is an ISO (27001:2013) and PCI DSS certified organisation, with industry-best controls, to safeguard the best interest of consumers.

Surge in international payments today is accompanied by its share of sophisticated AI frauds, including chargebacks. While stronger fraud controls can add authentication friction and affect legitimate payment conversions, lighter controls can increase exposure to fraud and revenue losses. Designed specifically to address both these challenges, PayU’s Fraud Liability Protect solution combines three core capabilities:
 

• AI/ML-powered risk assessment that evaluates every international card payment against multiple transaction and behavioral signals.

• Dynamic risk-based authentication that determines the appropriate level of authentication needed. Low-risk transactions are generally processed without friction, but higher-risk transactions are routed through stringent authentication

• Fraud liability protection that covers merchants from unwarranted fraud chargebacks, in turn protecting their revenues from international card fraud
  ​

“Fraud protection should not come at the cost of payment acceptance, especially as Indian merchants scale across geographies. With scams becoming more sophisticated and harder to detect amid the rise of AI, PayU’s Fraud Liability Protect is designed to safeguard Indian merchants against both human-initiated and AI-enabled fraud. By combining AI and risk-based decisioning, FLP helps identify genuine and risky international transactions, protecting merchants from cross-border payment scams and fraud chargebacks while helping secure their revenues and reputation. Across PayU merchants, we’re already seeing an approx. 4–5% improvement in international card payment success rates, alongside a significant reduction in fraud exposure,” said Manas Mishra, Chief Product Officer, PayU and Wibmo.
 

PayU’s Fraud Liability Protect is particularly relevant for Indian SMB merchants operating in segments like travel and online travel agencies, airlines, e-commerce, quick commerce and food-tech, where cross-border payment decline and frauds can have direct impact on revenue, due to loss of customer trust and experience. The solution has already begun witnessing positive outcomes for PayU merchants, given its seamless integration capabilities with PayU Checkout. A prominent online travel merchant recorded a 14% improvement in payment success rates alongside an 83% reduction in fraud-to-sales ratio, after PayU’s FLP adoption. Also, Zomato, one of India’s food ordering and delivery platforms, uses PayU’s FLP solution to offer customers a more reliable payment experience while maintaining appropriate controls for higher-risk international transactions.

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.

Piston co-founders Vikram Sekhon and Shivam Shah raise USD 15M in Series A funding, led by FPV Ventures, to scale cardless payments and logistics infrastructure across the U.S.

The round follows a year of rapid growth for Piston. Payment volume increased 8x year over year, while its merchant network grew 40x and customer retention remained at 98%. Piston is now deployed at more than 2,000 stations across 48 states. Its point-of-sale integrations are also certified and live across systems covering more than 95% of U.S. merchant fuel sites.

"Commercial fuel still runs on payment technology built for another era," said Vikram Sekhon, Co-founder and CEO of Piston. "Fleet fuel fraud is a physical card problem, disguised as a detection issue. We removed the card and built a network that authorizes every purchase for a specific driver and vehicle at the point of sale. This round lets us expand that infrastructure until no commercial driver has to ask whether a station accepts Piston."

The more than USD 900 billion trucking industry still relies heavily on payment infrastructure built around physical cards. For fleets, that can mean persistent fraud, limited visibility into spending, and time-consuming reconciliation. Now, Piston offers fleet owners real-time visibility into fuel spending as it happens, without issuing or managing physical cards. And merchants gain direct access to commercial fuel demand, lower transaction costs, and the opportunity to capture the in-store purchases that come with repeat fleet traffic.

The two-sided network was built from firsthand experience. Vikram and co-founder Shivam Shah previously operated fleets and dealt directly with fuel-card fraud, hidden costs, and administrative burden. Sekhon's fleet remains the first environment in which Piston validates and tests new features.

Piston's India presence has also grown alongside the company's expansion in the U.S. Its Kolkata office, which was launched in April 2023 with a team of five, has since grown into a 25+ member hub and is home to the company's entire engineering team. The Kolkata team plays a central role in building and scaling the technology infrastructure that powers Piston's payments network across the U.S.

"Fuel is one of the largest B2B spend categories in America, and every transaction still runs through decades-old card infrastructure,” said Nikunj Kothari, Partner at FPV Ventures. “Piston moves that money over its own rails, with no card networks or intermediaries in between. Vikram ran hundreds of trucks and felt this pain every day, and Shivam recruited thousands of drivers before they wrote a line of code. This is a new payment network in a massive market, built by the people who actually lived the problem."

Piston is also extending its real-time controls with two AI products. Piston Guard evaluates each transaction for anomalies and can flag or block suspected fraudulent spending before it is completed. The Piston Analytics Agent allows fleet owners to better understand their spending data and uncover patterns without spending hours on manual analysis.

"Vikram and Shivam understood this market from the operator's seat before they ever approached it as founders," said Shravan Reddy, Partner at Pear VC. “Piston has translated that insight into exceptional growth, strong retention, and a network that creates value for both fleets and merchants. We are proud to continue backing the company in its next growth phase."

Piston will use the new capital to accelerate the national build-out of its payments network, advance product development, and add senior leaders across key areas of the business. Over the next 18 months, the company aims to establish coverage across every U.S. region. The expansion will also lay the groundwork for Piston to move beyond fuel into broader logistics payments infrastructure.

The Series A also marks the next phase of Piston's India story: a company serving a highly specialized U.S. logistics market while building its core technology from Kolkata. As Piston scales its payments network nationally, its Kolkata engineering team will continue to be central to the product and technology roadmap.

About Piston

Piston is a fully cardless payments network connecting commercial fleets with gas stations and convenience stores. Its secure mobile authorization technology is built directly into the point of sale, eliminating skimming fraud and lowering transaction costs on both sides of the pump. Merchants gain access to high-margin commercial fuel volume and increased in-store sales, while fleet owners receive real-time visibility into every gallon purchased, tied to a specific driver and vehicle. Piston is live at more than 2,000 stations across 48 states and is backed by FPV Ventures, Spark Capital, and Pear VC. The company is headquartered in Cupertino, California.

Learn more at www.piston.com.

Wibmo, a PayU Company, Wins at the Global Fintech Awards 2026

Wibmo emerged as the winner following a rigorous evaluation process and strong competition. The recognition was presented for Wibmo Intelligent Authentication Suite with Risk-Based Authentication (RBA) Step-Up Authentication, acknowledging its contribution to advancing digital banking security and enabling trusted payment experiences.
 

Wibmo IAS is an integrated authentication suite that encompasses RBA. The capability enables banks to apply step-up authentication when risk indicators require stronger verification, while allowing trusted transactions to proceed with minimal friction.
 

As digital banking continues to evolve, financial institutions are navigating increasingly complex security requirements, changing customer expectations, and a growing need for real-time protection. Wibmo IAS with RBA-based Step-Up Authentication is designed to help institutions address these priorities through intelligent authentication and risk-aware decision-making across digital payment journeys.
 

The recognition highlights Wibmo’s continued focus on helping banks, fintechs and financial institutions strengthen security while maintaining convenience and ease of use for cardholders and end users. By combining authentication and real-time risk assessment within an integrated suite, Wibmo helps client partners build secure, seamless and adaptable digital payment experiences.
 

Commenting on the recognition, Shailesh Paul, Chief Executive Officer, Wibmo, said, “This recognition at the Global Fintech Awards 2026 underscores the immediate case for strong risk intelligence in authentication. Wibmo's RBA-based Step-Up Authentication helps banks strengthen digital payment security through risk-aware authentication by stepping up transaction authentication when needed and in real-time. Security is central to building trust in our evolving payments landscape, and this achievement reflects the dedication of our teams, the confidence of banks and our commitment to advancing innovation across digital payments.”
 

The recognition reinforces Wibmo’s position as a trusted technology partner for institutions seeking to strengthen payment security, improve customer experiences, and support the continued growth of digital banking.
 

About Wibmo

Wibmo, a PayU company, operates across entities in India, the US, and Indonesia. As a global full-stack PayTech company and an industry leader in payment security and digital payments in emerging markets, Wibmo stands out for its innovation and impact.
 

In addition to being India's largest authentication service provider in one of the leading digital payment markets globally, Wibmo offers comprehensive fraud and risk management solutions, digital financial services, prepaid solutions, and a broad range of merchant-acquiring services.
 

For more information, visit wibmo.com.

Pluxee India, a leading provider of employee benefits and engagement solutions, has received authorisation from the Reserve Bank of India (RBI) to operate as a Payment Aggregator (PA) for both online (PA-O) & physical point-of-sale (PA-P). This marks another significant milestone in Pluxee’s evolution as a technology-led employee benefits and payments platform in India.
 

The PA authorisation, received on 3 August 2026, complements Pluxee India's existing Prepaid Payment Instrument (PPI) authorisation, which the company received in 2009 and subsequently expanded in 2020 to enable the issuance of General Purpose PPIs beyond Meal PPIs. Together, these regulatory capabilities strengthen Pluxee India's ability to operate across the payment value chain, while continuing to deliver compliant, secure and seamless payment experiences to its clients, consumers and merchant partners.
 

The Payment Aggregator authorisation was necessarily required by Pluxee India to continue onboarding merchants directly as the Merchant Acquiring business was placed under mandatory licensing requirement by RBI. This authorisation will empower Pluxee to collect payments on behalf of its merchants across payment instruments, manage payment settlements and refunds, and further expand its Merchant footprint across India.
 

With almost 3 decades of presence in India, Pluxee's journey has evolved alongside the country's digital payments landscape. The company, which began operations in India in 1997, moved from a traditional paper-based meal voucher model towards digital payments with the launch of its electronic Meal Card in 2016. Its evolution has continued over time with Pluxee today supporting 11,000+ companies, 3.5 million+ consumers and 150,000+ meal merchant partners across 2,200+ cities in India. Pluxee operates on the Rupay Card network of 5 million+ merchants for benefits like Fuel, Telecom, Health & Wellness etc.
 

Pluxee's payments journey has been closely linked to its broader innovation agenda. In 2019, the company introduced the Multi-Benefit Pass, bringing multiple employee benefits together through a single digital proposition. Its payment ecosystem has evolved offering mobile-led experiences and digital reimbursement solutions. Pluxee's merchant platform supports multiple payment modes, including card payments, Mobile QR, NFC-based proximity payments and on-line payments.
 

The company's innovation journey has also expanded beyond payments. In 2024, Pluxee introduced its AI-led bill-processing capability, helping digitise and streamline the reimbursement experience. In 2025, Pluxee further expanded its multi-benefit proposition through the acquisition of ProEves, an Indian corporate childcare benefits player, strengthening its presence in an important employee-benefits category.
 

The company has maintained a strong focus on regulatory compliance throughout this evolution. From operating under its PPI authorisation and adhering to RBI requirements around KYC, AML/CFT, and transaction controls, to securing the new PA authorisation, regulatory compliance remains integral to Pluxee India's approach to building trusted payment infrastructure.
 

The PA licence marks the next chapter in its journey - building on nearly three decades of experience in India, a deeply established merchant ecosystem and a digital-first operating model. It further positions Pluxee India to participate in the country's rapidly evolving digital payments ecosystem while continuing to focus on secure, compliant and convenient payment experiences for businesses, employees and merchants.
 

About Pluxee India

Pluxee is a leader in employee benefits and motivation, supporting businesses in attracting, engaging, and retaining talent through a broad range of solutions across Meal, Childcare, Wellbeing, Learning, Rewards & Recognition & whole range of other offerings. With 29+ years of expertise in India, Pluxee partners with 11,000+ companies across the public and private sectors also fostering a trusted network of 180,000+ merchant partners on meal and 5 million+ merchants on other benefits. Every day Pluxee India works to supports 3.5 million+ consumers in 2,200+ towns nationwide.
 

Powered by innovative technology and a dedicated team, Pluxee India delivers meaningful and personalized experiences through a single card and app to enhance the well-being of its consumers at work and beyond. Carrying forward a global legacy of over five decades, Pluxee is committed to creating a positive impact on local communities, promoting sustainability, and enabling its stakeholders to do what matters the most.

For more information visit www.pluxee.in.

Canva, the global visual communication platform, has become the first international company to offer recurring subscription payments to South African customers via Capitec Pay, the account-to-account payment method built by South Africa's largest personal bank — Capitec. The milestone is made possible through Canva's ongoing partnership with EBANX, a global technology company specializing in payment services for emerging markets.

 

South Africa: a USD 23 billion e-commerce market, largely cardless

The announcement represents a shift in how global subscription businesses can reach South African consumers. Credit card penetration in the country ranges between 8% and 10% of the adult population, according to the South African Reserve Bank (https://www.resbank.co.za/content/dam/sarb/publications/media-releases/2024/payments/SARB%20Payments%20Study%20Report%202023%20Executive%20Summary.pdf) and the World Bank (https://www.worldbank.org/en/publication/globalfindex). This limitation has historically restricted the reach of traditional card-on-file subscription models, excluding 44 million people in South Africa who do not own credit cards.

Instead of needing a credit card, Capitec Pay lets clients approve a recurring payment once in the Capitec app (https://www.ebanx.com/en/insights/articles/south-africa-s-subscription-gap-has-a-bank-native-solution/). After that, participating businesses can collect future subscription payments automatically. Canva is the first international subscription service to offer recurring payments with Capitec Pay.

Capitec is South Africa's largest personal bank by customer base, with 26 million clients (https://www.capitecbank.co.za/blog/news/2026/annual-results/) and over 16 million app users. According to Capitec, one in three South African adults uses its mobile app. "For Canva, going live as the first global merchant on this infrastructure is a removal of a structural barrier that was preventing a large portion of South Africans from accessing our platform at all," said Bianca Sibiya, Canva Africa Lead.

The offering of recurring payments through Capitec Pay by Canva in South Africa is possible thanks to its partnership with EBANX, which helped enhance the solution and became the first global payment service provider (PSP) to integrate it into cross-border payment flows.

"For years, card-based billing has been treated as the default model for global subscription products, but that default was built around consumer behavior in the United States and Western Europe, not South Africa," explained Wiza Jalakasi, Commercial Lead for Africa and the Middle East at EBANX.

EBANX has become a leading enabler of recurring alternative payment methods (APMs) (https://www.ebanx.com/en/insights/articles/ebanx-expands-recurring-alternative-payments-offering/) in cross-border digital commerce across the world. Including South Africa, the company supports recurring APMs across 12 emerging markets, enabling global merchants to reach more than 1 billion consumers, many of whom lack access to credit or debit cards.

"Capitec's philosophy is to ensure that our clients experience simple, affordable and innovative services. Recurring payments through Capitec Pay is just one of the many ways we bring that simplicity to life, offering clients a payment experience they already know and trust. Through this partnership with Canva, we are expanding our trusted payment experience and giving clients access to international merchants in an accessible way," said Francois Viviers, Group Executive of Marketing and Client Experience at Capitec.

South Africa's digital commerce market continues to grow rapidly, reaching 74% of adults and annual growth projected at 20% through 2028, according to Payments and Commerce Market Intelligence (PCMI) data analyzed by EBANX. By that year, South Africa's e-commerce market is expected to represent a USD 23 billion opportunity, based on PCMI insights featured in EBANX's Beyond Borders study (https://hubs.ly/Q040LdtF0).

https://www.ebanx.com/en/
https://www.linkedin.com/company/ebanx

About EBANX

EBANX is the leading technology platform connecting global businesses to the world's fastest-growing digital markets. Founded in 2012 in Brazil, EBANX was built with a mission to expand access to international digital commerce. Leveraging proprietary technology, deep market expertise, and robust infrastructure, the platform enables global businesses to offer hundreds of local payment methods and streamline cross-border payments across Latin America, Africa, and Asia. With a global footprint, it established a technology and regulatory headquarters in Singapore in 2026. More than just payments, EBANX drives growth, enhances sales, and delivers seamless purchase experiences for businesses and end users alike.

For further information, please visit:

Website: https://www.ebanx.com/en/  
LinkedIn: https://www.linkedin.com/company/ebanx

About Canva

Launched in 2013, Canva is a free online visual communications and collaboration platform with a mission to empower everyone in the world to design. Featuring a simple drag-and-drop user interface and a vast range of templates ranging from presentations, documents, websites, social media graphics, posters, apparel to videos, plus a huge library of fonts, stock photography, illustrations, video footage, and audio clips, anyone can take an idea and create something beautiful.

For more information:

Website: https://www.canva.com/
LinkedIn: https://www.linkedin.com/company/canva-africa/

About Capitec 

Capitec Limited (JSE: CPI) is South Africa's largest retail bank by active client numbers, serving 26 million active clients. It is recognized as the country's leading digital bank, with 16 million active app users. Capitec offers simple, affordable and transparent banking solutions through innovative technology and personalized service via its app, online banking, and a network of 866 branches and 8,771 ATMs and cash-accepting devices. The Group uses data and technology to understand client needs and provide tailored solutions across Personal Banking, Business Banking, value-added services, insurance, and international consumer lending through its subsidiary AvaFin. Capitec aims to make a meaningful difference and unlock growth opportunities for all.

For further information, please visit:

Website: https://www.capitecbank.co.za/
LinkedIn: https://www.linkedin.com/company/capitec-bank/

Decentro Earns Three Industry Recognitions, reinforcing its Leadership in Fintech Infrastructure and Embedded Finance

Two different juries, evaluating three different things, landed on the same company and the same founder in the same season. Decentro was judged as a business, as a category innovator, and for the leadership behind it. Recognition that points to something more fundamental: an infrastructure stack that most players in the space simply don't have.

The "boring" part is the actual innovation
Decentro's approach combines product infrastructure with regulated operating capabilities. The company holds RBI Payment Aggregator (PA) authorisations for online and physical payments, an IFSCA Payment Service Provider licence through its GIFT City entity, and UIDAI Offline Verification Seeking Entity certification. This stack enables enterprises to access bank-grade payment acceptance, identity verification and related financial workflows through a unified integration layer.

The company serves more than 2,000 enterprises across banking, lending, marketplaces, fintech and consumer internet, including large platforms such as AU Small Finance Bank, BharatPe, CRED, Meesho, MakeMyTrip and Muthoot Finance. Decentro's Payment Aggregator platform supports online and offline payment acceptance, including UPI, bank transfers, recurring mandates and QR-based in-store payments. Public company materials also describe its PA-Physical (PA-P) authorisation as enabling offline payment acceptance alongside its online capabilities.

Decentro processes more than USD12 billion in annual payment volume and 120 million-plus identity verifications a year, with integration timelines cut from months to days and roughly 30% lower operational costs for enterprises building on the stack. The company has also expanded its collections capabilities through Neowise, its conversational AI platform for lending collections. Neowise supports multilingual borrower engagement and human-assisted resolution workflows for lenders, and now handles close to 3 million borrower conversations a month across 12-plus Indian languages, working with lenders including Tata Capital and L&T Finance. Three physical delivery centres and 400+ trained human debt callers support the cases that need a person rather than a bot.

The leadership behind the platform
Rohit Taneja is a two-time fintech founder. Before Decentro, he co-founded Mypoolin, an early social payments platform backed by Accel, which Wibmo later acquired; PayU subsequently acquired Wibmo. He then led product and engineering for Wibmo's payment gateway business, working with financial institutions across India, Singapore, Sri Lanka and Dubai.

Founded in 2020 by Rohit Taneja and Pratik Daudkhane, Decentro is backed by Y Combinator and offers more than 150 APIs across payments, identity verification, banking and AI-led collections. Under their leadership, the company has secured its PA licence, acquired Neowise, and expanded into cross-border payments infrastructure through its IFSCA licence and GIFT City presence. Decentro's continued focus is to make financial infrastructure simpler to adopt, so businesses can spend more time building differentiated customer products.

"Being recognised at the company, innovation and leadership levels in the same year is deeply meaningful for all of us at Decentro," said Rohit Taneja, Co-founder and CEO, Decentro. "We set out to build the infrastructure behind financial products, not another standalone financial product. For our customers, that means faster launches, fewer fragmented integrations, and regulated capabilities that can be embedded directly into their customer experience. These honours reinforce the value of building compliance and reliability into the platform from day one."

Decentro was named Fintech Company of the Year for its efforts across payments, identity and collections, achieved while staying profitable on a lean ~USD10 million raised to date. Separately, the Bharat NBFC & FinTech Summit recognised Rohit for building a mechanism that lets Decentro's infrastructure operate seamlessly behind complex banking and financial products.

About Decentro
Decentro is a full-stack banking and fintech infrastructure platform founded in 2020 and backed by notable funds including Y Combinator. It enables businesses to launch and scale financial products through a unified API layer spanning payments, identity verification, banking and AI-led collections. Decentro holds RBI Payment Aggregator authorisations for online and physical payments, an IFSCA Payment Service Provider licence through its GIFT City entity, and UIDAI Offline Verification Seeking Entity certification for offline Aadhaar verification. The platform serves more than 2,000 enterprises across banking, lending, marketplaces and consumer fintech.

Razorpay, India’s Omnichannel Payments Platform for Businesses, today launched RAY, an AI Account Manager on WhatsApp, in partnership with IndusInd Bank, with Bajaj Finance among the first businesses live on the platform. Built for businesses of every size, RAY gives founders an always-on, intelligent way to manage their payments and get support whenever they need it, day or night. Businesses have already had 20,000+ conversations with RAY, an early signal of how readily they are shifting to conversational, AI-led resolutions over dashboard-based ones for faster, more accessible support.

Razorpay Launches AI Account Manager on WhatsApp, with Induslnd Bank

Starting today, businesses can send RAY, Razorpay's AI Assistant, a simple message or voice note saying, “Show me a summary of my payments from yesterday” or go deeper with a request like, “Analyse my payments from the last two months and project my sales for the next two months.” RAY responds in natural language, without founders having to navigate dashboards or multiple screens to find the information they need. For India’s small businesses, getting help from their payments provider has just become as simple as texting a friend.

But the bigger shift is what happens next. For years, the largest businesses have had someone they could call to help them manage their payments and business needs. Most small and growing businesses haven't. Whether it’s checking the status of a settlement ahead of an urgent payout, sending a payment link to a customer, or issuing a refund while on the go, Razorpay is now putting that experience inside WhatsApp, the app most MSME’s already use for their business.

RAY is designed to do more than answer questions. It proactively tracks a business’s payment health and shares useful insights and actions before a business owner has to ask. From recommendations such as “Here’s how you can improve your payment success rate,” to flagging an upcoming settlement with a message such as, “Your Rs 94,600 settles Wednesday. Tuesday is a bank holiday. Would you like to get it settled today?”, RAY helps businesses stay ahead of issues and make faster decisions.

The launch marks the next evolution of RAY, Razorpay's AI-powered merchant assistance technology. While RAY was originally built to help businesses access information and support by leveraging AI, it no longer just answers questions when businesses reach out - it independently triggers actions across Razorpay’s systems. Where businesses once had to log into a dashboard to issue a refund or generate a payment link, they can now simply ask RAY to do it - on WhatsApp, in the middle of a conversation. 

The idea behind RAY started with a simple insight. Razorpay’s systems can already detect the early signs of a merchant needing support - from improving payment success to staying ahead of settlements. The opportunity was in how to act on those signals at scale. Manual outreach, however well-intentioned, depends on someone picking up the phone, one merchant at a time - a model built for hundreds of businesses, not millions. RAY was built to close that gap: turning real-time signals into real-time action, reaching every business on time, automatically.

Khilan Haria, Chief Product Officer, Razorpay said, “We’ve been thinking about how AI can fundamentally change the way businesses interact with their payments infrastructure. Millions of businesses across India are building and growing every day, and we wanted to make it easier for them to access the information, intelligent insights, and support they need along the way. With RAY, an AI Account Manager on WhatsApp, a business owner can simply ask for what they need in the most natural way possible and have it acted upon.”

He added, “More importantly, we are moving towards a world where they may not even need to ask us first. If we see an opportunity to help, whether it’s improving payment success, staying ahead of a settlement, or taking an action at the right moment, RAY will proactively reach out and help. Every founder, regardless of the size of their business, should feel like they have someone looking out for them.”

Amitabh Saraff, Head – Institutional and Government Coverage, IndusInd Bank said, "At IndusInd Bank, we are committed to making banking simpler, faster, and more accessible for businesses. Our partnership with Razorpay reflects this focus by bringing account management capabilities to a familiar platform like WhatsApp, helping make business support more immediate, intuitive, and convenient."

Bajaj – Tanaji Khot – Senior Head Banking, Bajaj Finance said, “When you're running a business, you don't always have the time to open another dashboard or follow up on multiple support channels. You just want to know what's happening and get an issue resolved quickly. Being able to simply send a message on WhatsApp makes the experience much more natural. It feels less like using another business tool and more like having someone available when you need help.”

Razorpay’s AI Agent Platform is built around a single intelligent agent that can handle a wide range of business needs end-to-end. Instead of building separate AI agents for payments, settlements, refunds, and other functions, the platform allows a single agent to draw on different capabilities, tools, knowledge, and memory depending on what a business needs in the moment. It holds full 360-degree context for each merchant, and an extensive evaluation system validates every response in real time, keeping hallucinations in check without compromising latency. The result: RAY moves seamlessly within a single conversation - from understanding what a business needs, to finding the right information, to recommending the next step, to taking the action itself.

With this launch, Razorpay is taking another step towards a future where AI doesn’t just help businesses understand what is happening, but helps them act on it. Built on Razorpay’s growing intelligence layer across payments, risk, and business operations, RAY is part of the ecosystem the company is building to make running a business simpler, more proactive, and increasingly intelligent.

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.

GoCredit's free Loan App Checker names the RBI-regulated lender behind any lending app, from RBI's official directory of 1,024 digital lending apps

A borrower types the app’s name. The free loan app safety checker searches it against the Reserve Bank of India’s public directory of Digital Lending Apps deployed by Regulated Entities - 1,024 apps as of 1 September 2026 — and against more than 9,200 RBI-registered entities. Where there is a match, the borrower sees the regulated entity behind the app, that entity’s grievance redressal officer, and the escalation route to the RBI Ombudsman. Where there is no match, the tool does not accuse: it hands the borrower a verification checklist and the official reporting channels.

Why the “not found” answer matters most

Google Play’s India policy requires personal loan apps to appear in the RBI’s DLA directory before they can be distributed. An app absent from that directory is therefore an app that should not be offering personal loans on the store at all.

That distinction is the tool’s core design decision. Lists of banned loan apps circulate widely on Indian social media, but no official public list of banned apps exists: blocking orders issued under Section 69A of the Information Technology Act are confidential by law. In a written reply to Parliament in July 2026, the Ministry of Electronics and Information Technology stated that 87 illegal loan lending applications have been blocked to date; the names in those orders are not published.

“Every viral ‘fake loan app list’ is somebody’s guess, and borrowers are making decisions about their money based on those guesses. The verifiable question isn’t which apps are banned — it’s which regulated entity is behind the app in front of you. RBI publishes that. We made it searchable,” Anupam Acharya, Co-founder and CEO, GoCredit.

How to check if a loan app is RBI registered

The company outlined the verification sequence any borrower can follow, with or without the tool:

1. Search the app name in RBI’s DLA directory. Every legitimate digital lending app in India is reported to the RBI by the bank, NBFC or housing finance company that deploys it.

2. Open the app’s About or Compliance screen. RBI rules require a lending app to name the regulated entity behind it. If no lender is named anywhere, treat that as the first red flag.

3. Read the loan agreement or sanction letter. The legal lender is named at the top; it is frequently different from the app’s brand name.

4. Never pay an advance “processing fee”. Registered lenders deduct charges from the disbursed amount; they do not collect fees by UPI before disbursal.

5. Report what does not check out. Unauthorised lending apps can be reported to the RBI at sachet.rbi.org.in, or to the national cybercrime portal at cybercrime.gov.in and helpline 1930.

What the tool deliberately does not claim

The checker never describes an app as “RBI-approved”. The RBI compiles its DLA directory from information submitted by regulated entities on its CIMS portal and publishes it, in the regulator’s own words, without further validation. A listing is a disclosure by a regulated entity, not an endorsement by the RBI — and the tool’s language reflects that distinction on every verdict it returns.

Built on regulatory architecture, not around it

The tool is a consequence of the RBI’s Digital Lending Directions, under which regulated entities must report the apps they deploy. That reporting requirement is what makes an app-level public check possible at all. GoCredit renders the resulting directory in the form a borrower can act on: searchable by the name on their phone screen, with the grievance contact attached.

Alongside the checker, GoCredit has published the complete list of RBI-registered loan apps in India, with a dedicated safety page for each app naming the regulated entity or entities that deploy it.

The company operates an AI Loan Agent that matches borrowers to lenders through a single consent-based application, rather than repeated applications across multiple instant loan apps that each trigger a credit bureau inquiry. The safety checker extends the same premise to the step before borrowing: establishing who the lender actually is.

Availability

The loan app safety checker is free, requires no signup, and is available now at gocredit.money/loan-app. The underlying directory data is refreshed from the RBI’s published source.

About GoCredit

GoCredit is a personal loan platform operated by Vijayalakshmi Technology Infinity NKB Private Limited, offering an AI Loan Agent that matches borrowers with RBI-registered lending partners through a single consent-based application.

Website: gocredit.money

Sources Referenced

1. Reserve Bank of India - public directory of Digital Lending Apps deployed by Regulated Entities (rbi.org.in, Citizen’s Corner), accessed 1 September 2026.

2. Press Information Bureau - Release ID 2287195, Ministry of Electronics and Information Technology reply to the Rajya Sabha, 21 July 2026.

3. Google Play Developer Policy - personal loan app requirements for India.

The shift is transforming how Paisabazaar builds and scales technology, significantly improving development velocity and enabling teams to take on a larger product and technology roadmap.
 

CTO Mukesh Sharma says as AI capabilities scale, Paisabazaar is able to build, test and deploy products faster and more efficiently
 

Mukesh Sharma, Chief Technology Officer, Paisabazaar, said, “AI has fundamentally changed the way our engineering teams build. But the objective is not to replace engineers—it is to make them significantly more productive, taking away repetitive development work and allowing them to spend more time on architecture, problem-solving and innovation. As AI capabilities scale, we are able to build, test and deploy products faster and more efficiently.”
 

Paisabazaar is also expanding its technology team even as AI takes on a larger role in development, reflecting the company's focus on using productivity gains to expand its technology ambition rather than simply reduce resources. As AI enhances productivity, the company sees an opportunity to build more, experiment faster and address more problems simultaneously.

AI-assisted development is now integrated across the engineering lifecycle at Paisabazaar, from writing and testing code to debugging and documentation. Engineers continue to provide human oversight across critical stages, while AI enables teams to accelerate development and focus their efforts on higher-value technology and product challenges. As the role of engineers evolves, greater emphasis is placed on systems thinking, complex problem-solving, architectural decision-making and the ability to work effectively with AI tools.

“We are not looking to build the same things with fewer people; we want to use AI to expand what we can build. AI will not reduce our ambition—it will expand the surface area of what we can build,” added Sharma.

The broader AI strategy at Paisabazaar extends beyond engineering, with the company using AI across consumer-facing experiences to simplify complex credit information, generate personalised credit insights and enable more contextual interactions. AI and machine learning are also being used across product discovery and lending journeys to enhance personalisation and decision support.
 

The company expects AI adoption across engineering and consumer experiences to deepen as the technology evolves, focusing on expanding innovation, improving productivity and delivering simpler, more personalised financial experiences at scale.

About Paisabazaar

Paisabazaar, a part of PB Fintech (listed since 2021), is India’s leading marketplace for financial products and a free credit score platform. Over the last 12+ years, Paisabazaar has earned the trust and goodwill of over 58 million consumers from 850 cities and towns across India. Paisabazaar has built wide and deep partnerships across the ecosystem, to offer a broad range of financial products, ranging from loans and cards to investments and savings along with bill payments and mobile recharge. The platform also enables consumers to check their free credit score from all 4 CICs (Credit Bureaus) in India. Paisabazaar is an ISO (27001:2013) and PCI DSS certified organisation, with industry-best controls, to safeguard the best interest of consumers.

Bajaj Finance Personal Loan

The Bajaj Finance Personal Loan offers loan amounts ranging from Rs. 40,000 to Rs. 55 lakh, subject to applicable eligibility criteria. Customers can choose a repayment tenure ranging from 12 months to 108 months. The applicable interest rate ranges from 10% to 30.5% per annum, depending on the customer's profile and applicable terms.

What is new in the Bajaj Finance Personal Loan offering?
The key update is the availability of a repayment tenure of up to 108 months. Eligible customers can select a tenure between 12 months and 108 months based on their financial requirements and repayment capacity.

The extended tenure gives customers more time to repay the borrowed amount. This can be useful for customers managing larger or long-term expenses and looking to spread their repayments over a longer period.

The applicable tenure remains subject to eligibility, loan terms and other applicable conditions.

Why does the extended tenure matter?
A longer repayment tenure can reduce the monthly EMI for a given loan amount and interest rate because the repayment is spread across more months. This may help customers manage their monthly cash flow more comfortably.

However, a longer tenure can also increase the total interest payable over the loan period. Customers should therefore compare different tenure options and consider their income, existing commitments and repayment capacity before selecting a repayment schedule.

The Bajaj Finance Personal Loan allows eligible customers to consider different repayment periods based on their financial needs.

Who can benefit from the extended repayment tenure?
The extended repayment tenure can benefit customers managing larger or long-term expenses. It may be relevant for customers who prefer to spread their repayments across a longer period instead of choosing a shorter tenure with potentially higher monthly EMIs.

Customers planning expenses such as education, home improvements, medical requirements, travel or other personal needs can assess the available loan amount and repayment options based on their requirements.

What rewards are available during Loan Utsav 2026?
Loan Utsav 2026 offers a limited-period reward bundle to eligible customers whose Bajaj Finance Personal Loan is successfully disbursed during the campaign period. 10 September 2026 is the last day of the campaign.

The reward bundle includes benefits across entertainment, music, dining and shopping categories:

• 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 rewards are available after successful loan disbursal within the campaign period. Eligibility, reward fulfilment and other conditions are subject to the applicable Loan Utsav 2026 terms and conditions.

Customers should review the campaign terms before applying and consider their financial requirements and repayment capacity when choosing a personal loan.

What are the key features of a Bajaj Finance Personal Loan?
A Bajaj Finance Personal Loan offers a loan amount ranging from Rs. 40,000 to Rs. 55 lakh. The available repayment tenure ranges from 12 months to 108 months.

The loan is collateral-free, so eligible customers do not need to pledge an asset as security. Funds can be disbursed within 24 hours*, subject to fulfilment of applicable conditions and documentation.

The offering also provides quick approval and requires minimal documentation, subject to applicable eligibility and verification requirements.

What is the Bajaj Finance Personal Loan interest rate?
The applicable personal loan interest rate ranges from 10% to 30.5% per annum, depending on the customer's profile and applicable terms. Customers should review the applicable rate and other loan terms before accepting an offer.

The interest rate is an important factor when assessing the overall cost of borrowing. Customers should consider the interest rate along with the loan amount, tenure, EMI, processing charges and other applicable costs before accepting a loan offer.

An EMI calculator can also help customers estimate their monthly repayment based on the loan amount, interest rate and selected tenure.

How does the Bajaj Finance Personal Loan application process work?
Customers can begin the application process online by checking their eligibility and providing the required details. The application is assessed based on applicable eligibility criteria and verification requirements.

Eligible customers can select a suitable loan amount and repayment tenure based on their financial requirements. The process involves minimal documentation, subject to the customer's profile and applicable requirements.

Once the required checks and documentation are completed, the loan amount can be disbursed within 24 hours*.

Customers should review all applicable loan terms and repayment obligations before proceeding with the application.

Why consider a Bajaj Finance Personal Loan during Loan Utsav 2026?
Bajaj Finance Personal Loan offers eligible customers access to funds for a range of personal needs, along with flexible repayment tenures that can be chosen based on their financial requirements and repayment capacity. The loan is collateral-free, with funds disbursed within 24 hours*, subject to applicable conditions and documentation.

During Loan Utsav 2026, customers can enjoy additional value through a limited-period bundle of attractive rewards. Eligible customers whose personal loan is successfully disbursed during the campaign period can access a wide range of benefits, subject to applicable terms and conditions. Loan Utsav 2026 is available until 10 September 2026.

A simple and customer-focused borrowing journey
Bajaj Finance focuses on providing a structured and convenient borrowing process for customers exploring personal finance options. The Bajaj Finance Personal Loan combines flexible loan amounts, repayment tenures and collateral-free borrowing to support different financial requirements.

The availability of a repayment tenure of up to 108 months provides eligible customers with an additional option for managing monthly repayments. Customers should compare the available tenure and interest rate options and select a repayment schedule that suits their financial circumstances.

Customers can check their eligibility online and review the applicable terms for a Bajaj Finance Personal Loan.

*Terms and conditions apply

About Bajaj Finance Ltd. 
Bajaj Finance Ltd. (BFL), 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 serves over 124.43 million customers through a diversified portfolio comprising consumer loans, SME finance, commercial lending, rural lending, fixed deposits and payments, offered through Web, App and at 4,000+ locations. As a FinAI company, BFL is focused on continuous innovation through smart use of technology, data and analytics to drive seamless, simplified and personalized experiences for its 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 BBB/Stable and a short-term rating of A-2 by S&P Global ratings. It has been assigned a ‘Baa3 Corporate Family Rating’ with Stable outlook from Moody’s Rating.

Build Credit Awareness with a Free Credit Score Check from Bajaj Finance

Regularly reviewing this information can help individuals identify changes in their credit profile and address potential inaccuracies.

How the Bajaj Finance Credit Pulse Report can help?

The Bajaj Finance Credit Pulse Report provides customers with insights into their credit profile beyond the credit score. It brings together key credit indicators that can help customers understand their current credit health.

• Credit score

• Credit history

• Credit age

• Credit mix

• Credit card utilisation

• Repayment history

• Account summary

• Credit enquiries

Reviewing these details can provide a broader understanding of how credit behaviour is reflected in the credit profile.

How to check credit score online?

Customers can complete a free credit score check online through Bajaj Finance and access their Credit Pulse Report.

The process involves a few simple steps:

Step 1: Visit the Credit Pulse Report page

Customers can visit the official Bajaj Finance website and open the Credit Pulse Report page. The option to check the credit score can then be selected.

Step 2: Verify the mobile number

The registered mobile number needs to be entered, followed by OTP verification.

Step 3: Enter the required details

Customers need to provide details such as their name, PAN, date of birth, email address, mobile number and PIN code.

Step 4: Check the credit score

After successful verification, the available credit score is displayed on the screen.

Step 5: Review the Credit Pulse Report

Customers can access the Credit Pulse Report to review their repayment history, active credit accounts, recent enquiries and other credit information. The report can also be downloaded for future reference.

What can a credit report tell customers?

A credit score is useful as a quick indicator, but it does not provide the complete picture. A credit report contains additional information that can help customers understand their credit profile.

Looking at these indicators together can give customers a more complete view of their credit health.

How can a credit score check help identify changes?

A periodic credit score check can help customers notice changes in their credit profile.

For example, a change in the score may prompt a review of:

• Recent repayment activity

• Changes in outstanding balances

• New credit accounts

• Credit card utilisation

• Recent credit enquiries

Reviewing the underlying credit information can help customers understand whether a change is expected or requires further attention.

Why is repayment history important?

Repayment history is an important part of a credit profile. It reflects how previous credit obligations have been managed.

Customers reviewing their credit report can look for:

• Missed or delayed payments

• Overdue amounts

• Incorrect repayment entries

• Payments that may not have been updated

Consistently managing EMIs and credit card dues on time can support responsible credit behaviour.

How does credit utilisation affect a credit profile?

Credit utilisation refers to the amount of revolving credit being used compared with the available credit limit.

For example, if a credit card has an available limit of Rs. 1 lakh and Rs. 30,000 is outstanding, the utilisation is 30%.

Using a large portion of available revolving credit may affect a credit profile. Reviewing utilisation regularly can therefore form part of responsible credit management.

Why should customers monitor their credit health regularly?

Credit health can change as individuals take on new credit, repay existing obligations or change how they use their available credit.

Regular monitoring can help customers:

• Keep track of their credit score

• Review active credit accounts

• Monitor repayment information

• Check recent credit enquiries

• Identify unfamiliar credit activity

• Spot potential reporting errors

A periodic review can provide greater awareness of changes in the credit profile.

How can Credit Pulse Report support credit awareness?

Credit awareness is not limited to knowing a credit score. Understanding the information behind the score can help individuals develop better visibility into their credit behaviour and overall financial profile. This is also useful when understanding creditworthiness meaning, which refers to an individual's ability and likelihood to repay borrowed money based on factors such as repayment behaviour, credit history, existing obligations and other relevant information.

Customers can use their Credit Pulse Report to review key indicators and identify areas that may need attention. For instance, an unfamiliar account or incorrect repayment entry can be investigated, while consistently high credit utilisation can prompt a review of credit usage.

What habits can help maintain a healthy credit profile?

Maintaining a healthy credit profile generally requires consistent financial behaviour over time.

Customers can consider the following practices:

• Pay EMIs and credit card dues on time.

• Keep credit utilisation under control.

• Avoid unnecessary credit applications within a short period.

• Review credit reports periodically.

• Check that reported account information is accurate.

• Borrow within a manageable repayment capacity.

There is no instant way to establish a strong credit history. Consistent and responsible credit management remains important.

Build better credit awareness with regular monitoring

A credit score can provide a quick view of credit health, but reviewing the information behind the score can offer greater context. Repayment history, existing accounts, credit utilisation and recent enquiries can all provide useful insights into an individual's credit profile.

A free credit score check through Bajaj Finance can serve as a starting point for building credit awareness, while the Credit Pulse Report can help customers review key aspects of their credit profile. Regular monitoring and responsible credit habits can help individuals remain informed and make more considered financial decisions.

*Terms and conditions apply.

About Bajaj Finance Limited

Bajaj Finance Ltd. (BFL), 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 serves over 124.43 million customers through a diversified portfolio comprising consumer loans, SME finance, commercial lending, rural lending, fixed deposits and payments, offered through Web, App and at 4,000+ locations. As a FinAI company, BFL is focused on continuous innovation through smart use of technology, data and analytics to drive seamless, simplified and personalized experiences for its 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 BBB/Stable and a short-term rating of A-2 by S&P Global ratings. It has been assigned a ‘Baa3 Corporate Family Rating’ with Stable outlook from Moody’s Rating.

(L-R): Sujeet Tyagi, COO, Montran India; Shri Adv. Ashish Shelar, Hon' Minister, Government of Maharashtra for IT, Electronics, AI, and Cultural Affairs; Julie Esca, CEO, Montran India

The Summit focused on India’s evolving financial ecosystem and the next set of opportunities across payments, capital markets and emerging technologies. Discussions centred on how India can build on the scale achieved in digital payments while developing financial infrastructure that is faster, more resilient and equipped for an increasingly real-time economy. As part of the programme, Montran also showcased its work around AI-led Payment Intelligence, highlighting how artificial intelligence and greater automation can strengthen areas such as fraud and risk management across increasingly complex digital payment environments.

Speaking on the occasion, Julie Esca, CEO, Montran India, said, “India has already won the first phase of its fintech journey by achieving extraordinary speed, scale and adoption. The next phase will be defined by trust, built transaction by transaction through resilient infrastructure, stronger authentication and fraud detection, and technology that performs reliably every time. India’s regulatory landscape, transaction volumes and customer expectations are evolving at an unmatched pace, compelling the industry to continuously innovate. The solutions we are developing here are not only addressing the needs of one of the world’s most demanding financial markets but are also strengthening Montran’s global product capabilities. As financial infrastructure becomes increasingly real-time and intelligent, lasting partnerships between banks, regulators and technology providers will be critical.”

Shri Adv. Ashish Shelar, said, “India’s digital public infrastructure has demonstrated how technology can democratise access to financial services at an unprecedented scale. If the previous decade was about democratizing access, the next must be about democratizing intelligence through responsible AI. As India’s financial capital, Mumbai is well positioned to become a global centre for financial technology innovation, where companies can design in Maharashtra, build for India and scale for the world. As we move forward, security by design, accountability by design and inclusion by design must remain non-negotiable. By combining India’s scale with global expertise, we can build financial systems that are faster, more resilient and accessible, and help define the future of global finance.”

The Summit featured two panel discussions examining key developments across India’s financial infrastructure. The capital markets discussion highlighted how India’s successful instant payments revolution has helped pave the way for a rapid and seamless transition to T+1 securities settlement, while positioning the market for a future move to T+0. India’s securities market infrastructures also shared how their technology strategies are enabling progress on multiple fronts, notably tokenization and internationalization, with the resulting efficiencies and opportunities set to benefit the country’s large and fast-growing investor base. The second explored how banks and financial institutions can build more resilient, scalable and AI-enabled payment systems for an increasingly always-on digital economy.

The discussions pointed to a broader shift underway in India’s financial ecosystem: having built payments infrastructure at a scale few markets have matched, the industry is now turning to what comes next, from faster securities settlement to more resilient, AI-enabled risk management. Montran said the Summit will continue to serve as an annual platform for that conversation, as Montran India works with the industry to build the country’s next generation of financial infrastructure.

Senior representatives from NSDL, NSE Clearing Limited, IFSCA, Bank of India, Axis Bank and Montran participated in the panel discussions, sharing perspectives on the evolving payments and capital markets landscape.

About Montran India
Founded in 2013, Montran India is the largest subsidiary of Montran, delivering payment and capital market infrastructure solutions to India's banks and financial institutions. The company is a certified technology partner of NPCI and SWIFT, and holds ISO 27001/9001 certifications. It operates six offices across India, led from its head office in Mumbai. Discover more at www.montran.in

About Montran
Montran is the leading provider of Payment and Capital Market Infrastructure solutions, servicing the world's foremost financial institutions with mission-critical installations and operations in over 90 countries. Discover more at www.montran.com

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.