Plan festive shopping, travel and family celebrations with a clear budget and manageable repayments.
Dussehra 2026 is an opportunity to celebrate with family, attend festive events, travel or renovate your home. Planning your budget early can help you manage these expenses without putting pressure on your monthly finances. A personal loan can help cover planned festive costs or unexpected expenses when your savings are not enough. Bajaj Finance Personal Loan offers loan amounts from Rs. 40,000 to Rs. 55 lakh, with repayment tenures ranging from 12 months to 108 months, subject to eligibility and applicable terms. Before borrowing, estimate your expenses, compare repayment options and choose an amount that fits your budget.
How can you plan your Dussehra 2026 budget?
Start by listing your expected Dussehra expenses and setting a spending limit. This helps you identify how much you can pay from your savings and whether you need additional funds.
Consider these common festive expenses:
- Shopping and gifts: Budget for clothes, footwear, gifts and household purchases.
- Travel and family outings: Include transport, accommodation, meals and local travel.
- Home decoration: Account for decorations, lighting, cleaning and minor repairs.
- Festive events: Set aside money for community celebrations, cultural programmes and family gatherings.
- Food and entertainment: Estimate the cost of groceries, festive meals and outings.
Pro tip: Keep a separate amount for unexpected expenses. Avoid using your entire savings for festive purchases, as you may need funds for essential bills or emergencies.
When should you consider a personal loan for Dussehra expenses?
A personal loan may help when your planned expenses exceed your available savings, and you can afford the repayments. It can provide funds for eligible personal needs without requiring you to pledge an asset as collateral.
You can consider a personal loan for expenses such as:
- Festive shopping and home renovation: Manage planned purchases, painting or minor home improvements.
- Travel: Cover eligible travel expenses when visiting family or taking a festive break.
- Medical emergencies: Meet unexpected medical costs that cannot be covered by available savings.
- Education: Pay eligible education-related expenses.
- Wedding expenses: Manage costs associated with family celebrations and wedding arrangements.
Bajaj Finance Personal Loan offers an unsecured borrowing option. However, borrowing for non-essential festive spending may increase financial pressure. Use a loan only when the expense is necessary, or the repayment plan is affordable.
Why is a personal loan a convenient financing option?
A personal loan can help you manage a planned expense through structured monthly repayments. Bajaj Finance Personal Loan offers the following features, subject to eligibility and applicable terms:
- Loan amount: Borrow from Rs. 40,000 to Rs. 55 lakh, depending on your eligibility and requirements.
- Repayment tenure: Choose a tenure ranging from 12 months to 108 months.
- Interest rates: Rates range from 10% to 30.5% per annum, depending on the applicable offer.
- No collateral: You do not need to pledge property or other assets.
- Online application: Complete the application process online.
- Minimal documentation: Provide the required documents for verification.
- Quick approval and disbursal: Eligible applications may receive approval quickly, with disbursal in 24 hours*, subject to verification and applicable terms.
These features can help you plan your festive expenses. However, the total borrowing cost depends on the interest rate, tenure, fees and other applicable charges.
How can you calculate your personal loan EMI?
A personal loan EMI calculator helps you estimate your monthly repayment before you apply for a personal loan. It uses the loan amount, interest rate and repayment tenure to calculate your estimated equated monthly instalment (EMI).
For example, if you borrow Rs. 1,00,000 at an assumed interest rate of 12% per annum for 12 months, your EMI would be approximately Rs. 8,885. The actual amount may vary based on the final interest rate, fees and repayment terms.
Use a personal loan EMI calculator to:
- Enter the amount you plan to borrow.
- Select the applicable interest rate.
- Choose a repayment tenure.
- Review the estimated monthly EMI and total interest payable.
- Adjust the amount or tenure until the repayments fit your budget.
Pro tip: A longer tenure can reduce your monthly EMI but may increase the total interest paid. Compare different repayment periods before choosing a loan.
Who can apply for a Bajaj Finance Personal Loan?
Your eligibility depends on factors such as your age, nationality, employment, income and CIBIL Score. Bajaj Finance assesses each application against its applicable eligibility requirements.
NationalityIndianAge21 years to 80 years*.Customer profileSelf-employed or SalariedEmployer (for salaried applicants)Public, private, or MNC.CIBIL Score650 or higher.
| Nationality | Indian |
| Age | 21 years to 80 years*. |
| Customer profile | Self-employed or Salaried |
| Employer (for salaried applicants) | Public, private, or MNC. |
| CIBIL Score | 650 or higher. |
*You should be 80 years or younger, at the end of the loan tenure.
Also, keep the following documents ready, as applicable:
- KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
- PAN card
- Employee ID card
- Salary slips of the last 3 months
- Bank account statements of the previous 3 months
- Piped gas bill
- Pension order
- Letter of Allotment of Accommodation Issued by Employer
- Property / Municipal tax receipt
- Utility bill
- Phone bill
- Real-time image / photograph
You can apply for a personal loan online by completing the application form, entering your details, selecting the required loan amount and submitting the necessary documents. Review the applicable interest rate, fees, tenure and repayment terms before accepting an offer. Approval and disbursal depend on verification and the lender’s assessment.
How can you manage festive borrowing responsibly?
A planned budget can help you celebrate Dussehra without taking on more debt than you can repay.
Follow these steps before borrowing:
- Set a clear spending limit for festive purchases.
- Use available savings for expenses you can comfortably afford.
- Borrow only the amount you need.
- Check your monthly income, existing EMIs and essential expenses.
- Use a personal loan EMI calculator to estimate repayments.
- Review the interest rate, processing fee and total repayment amount.
- Pay your EMIs on time to avoid additional charges and possible effects on your credit profile.
Avoid taking a loan simply to match someone else’s spending. Your borrowing decision should reflect your financial needs and repayment capacity.
Plan your Dussehra expenses with care
Dussehra 2026 can be easier to budget for when you plan your spending, keep emergency savings and assess your repayment capacity. A personal loan may help cover eligible expenses when additional funds are needed, but it should fit your wider financial plan.
Check your eligibility for a Bajaj Finance Personal Loan online, review the applicable loan terms and use a personal loan EMI calculator to estimate your repayments before applying.
*Terms and conditions apply
*Approval, loan amount, interest rate and disbursal are subject to eligibility, verification and applicable terms and conditions. Disbursal within 24 hours is subject to the lender’s process and requirements.
