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Bajaj Finance Personal Loan vs Protium Business Loan Compared

Which loan suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero.

Bajaj Finance Personal Loan versus Protium Business Loan compared
FeatureBajaj Finance Personal LoanBajaj Finance Personal LoanBajaj Finserv
Protium Business LoanProtium Finance Limited
Loan identity
Loan typePersonalBusiness
Rate typeFixed-
Interest and amount
Interest rate from10%-
Interest rate to30.5%-
Minimum amount₹40,000-
Maximum amount₹55,00,000₹50,00,000
Minimum tenure1 year-
Maximum tenure9 years-
Fees and charges
Processing feeUp to 4.13% (incl. taxes)-
Prepayment chargesFull prepayment up to 4.72% (incl. taxes); part-prepayment free-
Late payment chargesPenal charge up to 36% a year on the overdue instalment; bounce Rs 700 to Rs 1,200-
Eligibility
Min monthly salary₹35,000-
Min age21 years25 years
Max age at maturity80 years60 years
Employment typeBothSelf-employed
Min credit score720700
Page content
EligibilityIndian citizen, age 21 to 80 (80 or younger at the end of the loan). Salaried or self-employed, working for a public sector, private or multinational company. CIBIL score 650 or higher.Sole proprietor businesses running for at least 1 year, with a bank account (net banking or e-statements) and an Aadhaar-linked mobile number.
Documents neededKYC (Aadhaar, passport, voter ID, driving licence, NPR letter or NREGA job card), PAN card, employee ID card, salary slips for the last 3 months, bank statements for the last 3 months.PAN, bank statements for the last 12 months (current and savings), proof of residence and business address, and business proof for at least 1 year. GST returns for larger loans.
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