Bajaj Finance Personal Loan: Aaj kal life mein kabhi bhi bada kharch aa sakta hai, jaise shaadi ka plan, bachchon ki higher studies, medical emergency ya phir apna chhota business shuru karna. Aise waqt mein Bajaj Finance ka personal loan ek solid option hai. Yeh company quick processing ke liye famous hai, aur bina zyada paperwork ke paise direct account mein aa jaate hain. Lekin agar aap 15 lakh ka loan soch rahe ho, toh pehle EMI kitni banegi aur iske liye minimum salary kitni chahiye, yeh samajhna zaroori hai.
Bajaj Finance Personal Loan Par Interest Rate Aur Tenure Ki Details
Bajaj Finance ke personal loans par interest rates usually 10% se 31% per year tak hoti hain, jo aapke profile, job stability aur CIBIL score pe depend karti hai. Better score matlab lower rates. Loan ki duration 12 months se leke 96 months tak choose kar sakte ho. Yahan humne typical 11% annual interest aur 5 saal (60 months) ki tenure assume karke calculation kiya hai, jo common choice hai.
15 Lakh Loan Par EMI Ka Simple Calculation
Loan amount: ₹15,00,000 Interest rate: 11% per annum Tenure: 5 saal Monthly EMI: Lagbhag ₹32,623 Total interest: ₹4,57,380 ke aaspaas Total repayment: ₹19,57,380
Yeh table se clear hai ki har mahine aapko ₹32,623 ki EMI pay karni padegi. Paanch saalon mein total interest itna hi banega, aur end mein poora amount chukana hoga. Agar interest rate badhe ya tenure change ho, toh yeh numbers adjust ho jaayenge.
EMI Aur Salary Requirement Ka Connection
Lenders jaise Bajaj Finance yeh check karte hain ki aapki monthly income se EMI afford kar paoge ya nahi. Rule of thumb yeh hai ki EMI aapki net salary ka 40-50% se zyada nahi honi chahiye. To agar EMI ₹32,623 hai, toh aapki mahine ki take-home salary kam se kam ₹65,000 se ₹80,000 honi chahiye. Official minimum salary city pe depend karti hai – jaise metro cities mein ₹25,000-30,000 se shuru, lekin bade loans ke liye higher income proof chahiye taaki repayment easy rahe aur aapke daily expenses pe burden na pade.
Kaun Log Iska Fayda Utha Sakte Hain
Yeh loan salaried employees, professionals ya stable income wale logon ke liye best hai. Government ya private job mein ho, ya self-employed, sab apply kar sakte hain agar CIBIL 685+ ho aur age 21 se 80 saal ke beech. Yeh unsecured hai, matlab koi collateral nahi dena padta. Bas basic documents jaise Aadhaar, PAN, salary slips aur bank statements submit karo.
Tenure Choose Karne Se Kya Farak Padta Hai
Longer tenure matlab EMI chhoti, lekin total interest zyada. Jaise 7 saal ki tenure mein EMI ghat sakti hai, par interest badhega. Short tenure mein EMI badhegi, lekin overall paise bachenge. Apni financial situation dekh kar decide karo – monthly budget tight hai toh longer jaao, warna short mein fayda.
Read more: – Mental Health Cover: Jo Har Indian Ko Chahiye, Lekin Koi Nahi Jaanta! Shocking Truth
Conclusion
Bajaj Finance personal loan apne fast approval aur easy options ki wajah se popular hai. 15 lakh ke loan par 11% rate aur 5 saal mein EMI ₹32,623 ke around rahegi, aur iske liye salary ₹65,000+ honi chahiye taaki tension-free repayment ho. Yeh aapke urgent needs ko handle karne ka reliable way hai. Hamesha apply karne se pehle official website check karo latest rates ke liye.
Disclaimer: Yeh info general guidance ke liye hai. Interest rates, fees aur terms time to time change ho sakte hain. Bajaj Finance ki site ya branch se confirm karo before applying
