850 CIBIL Score

850 CIBIL Score

Simple tips to improve CIBIL Score and secure better financial options. Check your eligibility for personal loan with your phone and OTP.
Loan Types

Loan Types

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Calculator

FAQs

FAQs

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Rs. 40000 - Rs. 55 lakh

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850 CIBIL Score - Is it good or bad?

An 850 CIBIL Score is considered perfect, making it the highest score possible. It reflects impeccable credit management and responsible financial behaviour. Lenders view you as a virtually zero-risk borrower, making loan and credit card approvals easy. With this score, you can access the best financial products, premium credit cards, and favourable loan terms, including lower interest rates and higher credit limits.


 

✅  Check your eligibility for personal loan using just mobile number and OTP – 100% online process.


 

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How to improve your 850 CIBIL Score?

Improving an 850 CIBIL score is not necessary, as it is the maximum score. Instead, focus on maintaining it by continuing to pay all dues on time, keeping your credit utilisation low, and avoiding frequent applications for new credit. Regularly monitor your credit report to ensure its accuracy and address any potential errors immediately to sustain your perfect score.

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How does a 850 CIBIL Score impact interest rates?

An 850 CIBIL score gives you access to the best interest rates and loan terms available. Lenders consider you an ideal borrower, offering the lowest interest rates on personal loans, home loans, and credit cards. This score allows you to negotiate the most favourable financial products, helping you save significantly on borrowing costs and securing premium credit offers.

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Conclusion

An 850 CIBIL Score represents perfect credit health and exceptional financial discipline. It gives you unmatched access to the best loan offers, lowest interest rates, and premium credit products, ensuring maximum financial flexibility and long-term savings.

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Key offerings: 3 loan types

  • Flexi Hybrid Term Loan
  • Flexi Term (Dropline) Loan
  • Term Loan

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    You can pay interest-only EMIs for up to 36 months, after which, the EMI will consist of both, the principal and the interest. EMI is applicable only on the withdrawn amount.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest on the loan amount you withdraw.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Amount disbursed in one go
    The entire loan amount is disbursed at the start.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest.

  • Flexi facility charges
    No Flexi facility charges.

Personal loan interest rate and applicable charges

Type of fee

Applicable charges

Rate of interest per annum

10% to 30% p.a.

Processing fees

Up to 3.93% of the loan amount (inclusive of applicable taxes).

Flexi Facility Charge

Term Loan – Not applicable

Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes)

Will be deducted upfront from loan amount.

Bounce charges

Rs. 700 to Rs. 1,200/- per bounce

“Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.

Part-prepayment charges

Full Pre-payment:

  • Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment

  • Flexi Term (Dropline) Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

  • Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

Part Pre-payment

  • Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment.

  • Not Applicable for Flexi Term (Dropline) Loan and Flexi Hybrid Term Loan.

Penal charge

Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.

Stamp duty (as per respective state)

Payable as per state laws and deducted upfront from loan amount.

Annual maintenance charges

Term Loan: Not applicable

Flexi Term (Dropline) Loan:

Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges.


Flexi Hybrid Term Loan:

Up to 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.295% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure

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Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.
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