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CIBIL Score

Bajaj Finserv does not assess a personal-loan application on CIBIL Score alone. Your credit history is one part of the assessment, alongside income, existing debt obligations, repayment history, employment or business stability and other eligibility criteria. Bajaj Finserv doesn't publish one fixed minimum. Different official pages and applicant categories cite figures ranging from 650 to 685, and third-party trackers report requirements as high as 750 for salaried applicants. Treat any single number here as a rough reference point, not a guaranteed cutoff; check the current eligibility page for the figure that applies to your applicant type before assuming where you stand.

By Mohit Juneja | 17 August 2026

Credit Card

Axis Bank Credit Card Balance Transfer lets existing Axis cardholders move outstanding dues from another bank's credit card onto their Axis card, usually at a lower rate than the card's regular interest. The minimum transfer amount is ₹5,000, subject to Axis's current terms. It doesn't clear your debt, it moves it to a fixed EMI at a different rate.

By Mohit Juneja | 17 August 2026

Loan Consolidation

A debt consolidation loan in India is a new loan, usually a personal loan, that pays off several existing loans and credit card dues at once. You're left with one EMI to one lender instead of several separate payments, although the new EMI may not always be lower. It doesn't reduce what you owe. It changes how you pay it back.

By Mohit Juneja | 17 August 2026