What does Bajaj Finance lend?

Bajaj Finance writes dropline overdraft, loan against property, machinery loan, purchase invoice discounting, secured term loan, unsecured business loan and 1 further products. Across those, observed facilities run ₹10 lakh to ₹15 cr.

What ticket size does Bajaj Finance offer?

Facilities observed on live transactions run from ₹10 lakh to ₹15 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.

What rate does Bajaj Finance charge?

Rates observed on live transactions fall between 10% and 19% a year. Tenures run 24 to 84 months. These are observed figures, not a quote, and the rate you are offered depends on your file.

How long does Bajaj Finance take to disburse?

About 9 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.

What are Bajaj Finance's eligibility criteria?

The first screen is the bureau: a borrower CIBIL of at least 650. Revenue, leverage and debt-service thresholds apply on top and vary by product. The full credit box for each product is set out on this page.

Lender profile

Bajaj Finance business loans

Bajaj Finance is on Recur Club's lender panel, writing dropline overdraft, loan against property, machinery loan and 4 other products. Observed tickets run ₹10 lakh to ₹15 cr, priced between 10% and 19%. Median turnaround from application to disbursal is about 9 days.

✓Tickets from ₹10 L – ₹15 Cr across 10 products
✓Indicative pricing 10% – 19%, as quoted on live transactions
✓Around 9 days from application to disbursal when the file is clean
✓We check your fit against every lender on the panel, not just this one

Check your fit →See a typical term sheet

Products live

₹42L

Median sanction

Days median turnaround

Sanction letters read

— Which arm you land with

3 lenders under one brand

They share a screening philosophy but not a book. Which one your file goes to depends on what you are borrowing against.

Bajaj Finance Limited

Behaviour & gates

Borrower: CIBIL ≥650
age ≥2y (varies by product)
avoid
Lottery BusinessGambling and BettingEngineeringProcurementand Construction (EPC)Real Estate (asset Light)BankingInsuranceReal Estate (non asset Light)TradingEducation and Training (varies by product)
pan-India
sector-agnostic (41 sectors — full list in data JSON) (varies by product)
Private Limited, Public, Sole proprietorship, Limited Liability Partner (varies by product)

20 more ▾

Financials: EBITDA ≥₹1cr
rev ≥₹50cr (varies by product)
TOL/adjusted tangible net worth ≤5
debt/EBITDA ≤4
maximum annualrevenue: 5000 (varies by product)
debt/networth ≤4
DSCR ≥1
Deal: rate 9–15% (range across products — see matrix)
ticket ₹3–250cr (range across products — see matrix)
tenure 12–120mo (range across products — see matrix)
no PEP
Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
median ticket ₹15cr
median rate 12%
median turnaround 41d
Security asked in : 1st/pari-passu charge on current assets (×5), Personal Guarantee Of Promoters/Directors (×5), Personal Guarantee Of Promoters / Directors / Property Owner (×5), 1st charge on immovable assets (×4)
Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×20), FD margin 10–15% (×9), 1st charge on immovable assets (×8), 1st/pari-passu charge on current assets (×7)
share → in-principle approval (initial interest): ≈19d
in-principle approval → sanction (underwriting): ≈22d
sanction → disburse (closing): ≈0d

Bajaj Finserv Limited

Rejects

Declined the case citing losses in the company for FY23, FY24, and FY25
"Can't process the captioned case ... Nil eligibility in system ... Kindly avoid" — declined for an MSME8 corrugated-box manufacturing profile with POS ≈4.6L
Can't process the captioned MSME case — Nil eligibility in system, app already taken with >2 USL in last 6 months, Overall CIBIL POS ₹1.41 Cr against BTO ₹6.54 Cr, Obligation to BTO almost 20% (actual 19.43%), high enquiries seen in last 6 months >30+ — kindly avoid
Startups have to be profitable and not cash-burning companies

20 more ▾

Case not doable — per policy, e-Mitra/NTS profile businesses are not allowed
Lender stated over a call that the case is not doable due to the borrower's profile
Asked team to avoid processing the case due to concerns raised on it
Case reasoning for decline: MSME 10 with no eligibility, customer has taken 7 unsecured loans in the last 6 months and has 33 credit enquiries in the last 6 months
We can't proceed this case - logged in same month, MSME 10 with no eligibility, customer has taken 7 unsecured loans in the last 6 months and has 33 credit enquiries in the last 6 months
Case not doable - there is a written-off and settlement with Bajaj
Can't proceed this case - it's MSME 9 category with no eligibility
Can't proceed - customer doesn't have his own house
Bajaj doesn't do cases involving foreign entity shareholding.
Bajaj doesn't consider cases where a major shareholder resides outside India.
"Can't process the captioned case ... Nil eligibility in system ... Kindly avoid" — declined for an MSME8 corrugated-box manufacturing profile with POS ≈4.6L (×1
latest )
Can't process caption case — already rejected in the month of April 2026 (×1
latest )
Can't process the captioned MSME case — Nil eligibility in system, app already taken with >2 USL in last 6 months, Overall CIBIL POS ₹1.41 Cr against BTO ₹6.54 Cr, Obligation to BTO almost 20% (actual 19.43%), high enquiries seen in last 6 months >30+ — kindly avoid (×1
latest )
Declined the case citing losses in the company for FY23, FY24, and FY25 (×1
latest )
Startups have to be profitable and not cash-burning companies (×1
latest )

Wins

Primary focus is secured lending (LAS and LAP), not unsecured loans
LAS lending mostly focused on Category A companies with high liquidity
Lender requires minimum 0.5%+GST insurance to be maintained
Bajaj previously funded a related party entity; lender needs to clarify whether funding this related-party case is doable

4 more ▾

Approved cases move to credit queue, and the customer receives a telephonic PD (personal discussion) call from credit
…more in playbook
Primary focus is secured lending (LAS and LAP), not unsecured loans
LAS lending mostly focused on Category A companies with high liquidity

Behaviour & gates

Borrower: max nach cheque bounces l6 m: 1 (dropline overdraft, unsecured business loan only)
age ≥3y (dropline overdraft, unsecured business loan only)
CIBIL ≥685 (cohort ≈752.5) (unsecured business loan)
CIBIL ≥685 (dropline overdraft)
CIBIL ≥650 (loan against property, loan against securities, secured term loan, working capital demand loan)
maximum companyage: 50 (dropline overdraft, unsecured business loan only)

32 more ▾

max ongoing ubl count: 3 (dropline overdraft, unsecured business loan only)
max new ubl l3 m: 3 (dropline overdraft, unsecured business loan only)
avg bank balance: 0.01 (dropline overdraft, unsecured business loan only)
max nach cheque bounces l3 m: 0 (dropline overdraft, unsecured business loan only)
max usl pos to turnover ratio: 35 (dropline overdraft, unsecured business loan only)
Private Limited, Sole proprietorship, Limited Liability Partner (varies by product)
avoid
Gems and JewelleryPortsInfrastructureLottery BusinessGambling and BettingEngineeringProcurementand Construction (EPC) (varies by product)
Delhi (varies by product)
sector-agnostic (42 sectors — full list in data JSON) (varies by product)
Financials: rev ≥₹1cr (cohort ≈7) (unsecured business loan)
rev ≥₹1cr (dropline overdraft)
rev ≥₹150cr (loan against property, loan against securities, secured term loan, working capital demand loan)
maximum annualrevenue: 200 (dropline overdraft, unsecured business loan)
maximum annualrevenue: 5000 (loan against property, loan against securities, secured term loan, working capital demand loan)
EBITDA ≥₹1cr (varies by product)
TOL/adjusted tangible net worth ≤5 (varies by product)
debt/EBITDA ≤4 (varies by product)
debt/networth ≤4 (varies by product)
DSCR ≥1 (varies by product)
Deal: rate 9.5–25% (range across products — see matrix)
ticket ₹0–250cr (range across products — see matrix)
tenure 12–120mo (range across products — see matrix)
no PEP
Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
median ticket ₹0.5cr
median rate 18%
median turnaround 9d
Security asked in : Personal Guarantee Of Promoters/Directors (×4), Personal Guarantee Of Promoters / Directors / Property Owner (×3), FD margin 5–10% (×1), Fixed Deposit <5% (×1)
Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×12), 1st charge on immovable assets (×1), 1st/pari-passu charge on current assets (×1), No Security (×1)
share → in-principle approval (initial interest): ≈4d
in-principle approval → sanction (underwriting): ≈0d
sanction → disburse (closing): ≈2d

Bajaj Housing Finance Limited

Behaviour & gates

Borrower: CIBIL ≥650
Financials: TOL/adjusted tangible net worth ≤5
debt/EBITDA ≤4
debt/networth ≤4
DSCR ≥1
Security (observed): 1st charge on immovable assets (100%)

3 more ▾

Personal Guarantee Of Promoters/Directors (100%)
Escrow Of Cashflows (100%)
Security asked in : 1st charge on immovable assets (×1), Personal Guarantee Of Promoters/Directors (×1), Escrow Of Cashflows (×1)

— Products & indicative terms

What Bajaj Finance lends, and on what terms

What has actually been offered on live transactions, not brochure numbers. Treat them as the band you are likely to be quoted inside, not a promise. Open a row for that product's credit box.

Product	Ticket	Pricing	Tenure	Arm
Machinery Loan▾▴ Turnaround ~41d Rejects Negative sectors EngineeringProcurementand Construction (EPC)Gems and JewelleryBankingFinancial ServicesInsuranceLottery BusinessReal Estate (asset Light)Real Estate (non asset Light)TradingEducation and Training Wins Director overdue: 0.001 INR Cr States: pan-India Company types: Private Limited, Public, Sole proprietorship, Limited Liability Partner Min company age (yr): 2 Years 9 more ▾ ▴ Director CIBIL: 650 Min EBITDA (₹cr): 1 Debt / EBITDA: 4 Debt / Net worth: 4 Debt Service Coverage Ratio: 1 Offered terms (past deals): rate 10–10–10% ₹15–15–15 Cr 48–48–48 mo Turnaround: ≈41 days (share→disburse) Behaviour & gates Min tenure (mo): 12 Months Min ticket (₹cr): 3 Max tenure (mo): 84 Months Min rate (%): 9 Politically Exposed Person: No Max ticket (₹cr): 30 5 more ▾ ▴ Security required: ['Charge on Immovable Fixed Assets - Exclusive First Charge', 'Personal Guarantee of Promoters / Directors / Property Owner'], ['Charge on Immovable Fixed Assets - Pari Passu First Charge', 'Personal Guarantee of Promoters / Directors / Property Owner', 'Fixed Deposit 10 - 15%', 'Charge On Current Assets - Pari Passu First Charge'], ['Escrow Of Cashflows', 'Fixed Deposit 40 - 50%', 'Personal Guarantee of Promoters / Directors / Property Owner'], ['Charge On Current Assets - Pari Passu First Charge', 'Charge On Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge', 'Escrow Of Cashflows', 'Personal Guarantee of Promoters / Directors / Property Owner'], ['Pledge Of Shares > 51%', 'Personal Guarantee of Promoters / Directors / Property Owner'], ['Charge On Movable Fixed Assets/Plant & Machinery - Exclusive First Charge', 'Personal Guarantee of Promoters / Directors / Property Owner'] Max rate (%): 15 rate — stated 9–15%, actually offered 10–10% → within stated band Amount — stated 3–30 Cr, actually offered 15–15 Cr → within stated band Tenure — stated 12–84 mo, actually offered 48–48 mo → within stated band	₹15 cr	10%	48 mo	Bajaj Finance
Dropline Overdraft▾▴ Turnaround ~11d Wins Director overdue: 0.001 INR Cr Max Nach Cheque Bounces L6 M: 1 Company types: Private Limited, Sole proprietorship, Limited Liability Partner Min company age (yr): 3 Years 12 more ▾ ▴ Director CIBIL: 685 Max company age (yr): 50 Years Max Ongoing Ubl Count: 3 Avg Bank Balance: 0.01 INR Cr Max Nach Cheque Bounces L3 M: 0 Max Usl Pos To Turnover Ratio: 35 Min revenue (₹cr): 1 Max revenue (₹cr): 200 Offered terms (past deals): rate 17–17.5–18% ₹0.3–0.3–0.3 Cr 24–24–24 mo _(excl. 1 multi-product deal — no per-product split on record)_ Turnaround: ≈11 days (share→disburse) Behaviour & gates Min tenure (mo): 12 Months Min ticket (₹cr): .02 Max tenure (mo): 60 Months Min rate (%): 16 Politically Exposed Person: No Max ticket (₹cr): .75 4 more ▾ ▴ Max rate (%): 19 rate — stated 16–19%, actually offered 17–18% → within stated band Amount — stated 0–0.8 Cr, actually offered 0.3–0.3 Cr → within stated band Tenure — stated 12–60 mo, actually offered 24–24 mo → within stated band	₹0.3 cr	17–18%	24 mo	Bajaj Finserv
Unsecured Business Loan▾▴ Turnaround ~8d Wins Director overdue: 0.001 INR Cr Max Nach Cheque Bounces L6 M: 1 Company types: Private Limited, Sole proprietorship, Limited Liability Partner Min company age (yr): 3 Years 18 more ▾ ▴ Director CIBIL: 685 → funded cohort ≈752.5 Max company age (yr): 50 Years Max Ongoing Ubl Count: 3 Avg Bank Balance: 0.01 INR Cr Max Nach Cheque Bounces L3 M: 0 Max Usl Pos To Turnover Ratio: 35 Min revenue (₹cr): 1 → funded cohort ≈7 Max revenue (₹cr): 200 Offered terms (past deals): rate 16–17.2–19% ₹0.1–0.4–0.5 Cr 24–60–84 mo _(excl. 1 multi-product deal — no per-product split on record)_ Turnaround: ≈8 days (share→disburse) Asks for Other (×15) — e.g. LLP Deed required to proceed with the loan Asks for Bank statements (×7) — e.g. Requires fresh HDFC bank statement in original format (not ilovepdf-compressed) Asks for Cap table / equity (×5) — e.g. Lender requests the company's shareholding pattern document Asks for Legal / KYC (×3) — e.g. Requires father's KYC of Saurabh Asks for GST / integration (×2) — e.g. GST certificate required to proceed with the loan Asks for Provisional financials (×1) — e.g. Requested last 3 years' ITR, balance sheet, and profit & loss statement Behaviour & gates Min tenure (mo): 12 Months Min ticket (₹cr): .02 Max tenure (mo): 60 Months Min rate (%): 16 Politically Exposed Person: No Max ticket (₹cr): .75 29 more ▾ ▴ Max rate (%): 19 rate — stated 16–19%, actually offered 16–19% → within stated band Amount — stated 0–0.8 Cr, actually offered 0.1–0.5 Cr → within stated band Tenure — stated 12–60 mo, actually offered 24–84 mo → exceeded stated ceiling Case not doable — per policy, e-Mitra/NTS profile businesses are not allowed (×1 latest ) Lender stated over a call that the case is not doable due to the borrower's profile (×1 latest ) Asked team to avoid processing the case due to concerns raised on it (×1 latest ) Case reasoning for decline: MSME 10 with no eligibility, customer has taken 7 unsecured loans in the last 6 months and has 33 credit enquiries in the last 6 months (×1 latest ) We can't proceed this case - logged in same month, MSME 10 with no eligibility, customer has taken 7 unsecured loans in the last 6 months and has 33 credit enquiries in the last 6 months (×1 latest ) Case not doable - there is a written-off and settlement with Bajaj (×1 latest ) Can't proceed - customer doesn't have his own house (×1 latest ) Can't proceed this case - it's MSME 9 category with no eligibility (×1 latest ) Bajaj doesn't do cases involving foreign entity shareholding. (×1 latest ) Bajaj doesn't consider cases where a major shareholder resides outside India. (×1 latest ) Lender requires minimum 0.5%+GST insurance to be maintained (×1 latest ) Bajaj previously funded a related party entity; lender needs to clarify whether funding this related-party case is doable Borrower had a default on a previous Bajaj loan, flagged as a credit history concern Case cannot be logged in from Delhi NCR branch since GST Address and Director KYC belong to Mumbai; must be routed to Mumbai team	₹0.1–0.5 cr	16–19%	24–84 mo	Bajaj Finserv

Also offered, with no terms observed yet: Loan Against Property, Purchase Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.

— Typical term sheet

What a sanction from Bajaj Finance actually looks like

Reconstructed from real sanction letters. Small samples, so read them as observed rather than as a rule.

Bajaj Finance Limited

Specimen sanction

Representative of the median file. Your actual terms will move with rating, security cover and relationship.

Indicative

How often each clause appears

Share of the 55 sanction letters carrying the clause.

Other standing covenants49%

Bajaj Finserv Limited

Specimen sanction

Representative of the median file. Your actual terms will move with rating, security cover and relationship.

Indicative

— Security & covenants

What they will ask you to pledge

Counted across the sanction letters read. A combination is normal, and most files carry more than one.

Bajaj Finance Limited

Current Assets6 letters
Current assets2 letters
Cash reserve (DSRA)2 letters
Fixed Deposit2 letters
Plant & Machinery2 letters
Movable Fixed Assets1 letters

Current Assets ×6, Current assets ×2, Cash reserve (DSRA) ×2, Fixed Deposit ×2, Plant & Machinery ×2, Movable Fixed Assets ×1

— Common questions

What borrowers ask about Bajaj Finance

What does Bajaj Finance lend?: Bajaj Finance writes dropline overdraft, loan against property, machinery loan, purchase invoice discounting, secured term loan, unsecured business loan and 1 further products. Across those, observed facilities run ₹10 lakh to ₹15 cr.
What ticket size does Bajaj Finance offer?: Facilities observed on live transactions run from ₹10 lakh to ₹15 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
What rate does Bajaj Finance charge?: Rates observed on live transactions fall between 10% and 19% a year. Tenures run 24 to 84 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
How long does Bajaj Finance take to disburse?: About 9 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.
What are Bajaj Finance's eligibility criteria?: The first screen is the bureau: a borrower CIBIL of at least 650. Revenue, leverage and debt-service thresholds apply on top and vary by product. The full credit box for each product is set out on this page.

Next steps after Bajaj Finance

Check your match

Answer a short set of questions and see which lenders on the panel your file clears, on each one's own recorded criteria.

Browse every lender

Search the panel by name, product or ticket size, and compare credit boxes side by side.

Look up a company

Registry identity, GST status, charges and ratings for any Indian company, including your own.

AICA

The underwriting platform these credit boxes come from. Built for lenders and credit teams.

Bharat Ke SuperFounders

Founder stories from the companies building in India, from the team behind Recur Club.

See whether Bajaj Finance is the right lender for you

A few questions. Recur Market scores you against Bajaj Finance and the rest of the panel, on each lender's own recorded criteria.

Check my match

Last updated 29 September 2026

Lender intelligence dossier - screening gates, per-product terms and sanction observations, derived from lender policy documents and observed transactions. Figures are observed from a sample and are not an offer, a commitment, or a statement of Bajaj Finance's current policy. Terms are set by the lender at the time of sanction.