Instant Personal Loan for Travel | Up to ₹50 Lakh | Starting at 9.97% p.a. | Disbursal in 30 Minutes
Why choose us
Whether you have been planning a family vacation to Mahabeleshwar, a honeymoon in Europe, or a last-minute international trip that cannot wait, money should not be the reason you hold back. Bikesh Finserv provides you with the ability to compare travel loan offers from the best banks and NBFCs and connect with the one that suits your profile with the lowest possible interest rate.
A travel loan is a personal loan that is specifically taken to fund travel expenses, flights, hotels, visa fees, tour packages, travel insurance, and more. You can book your tickets today and pay back in easy EMIs over time. With zero collateral, a completely digital application process, and quick disbursal.
Vacation loan interest rates in India vary depending on your lender type, CIBIL score, income, and employer profile. Here is a comparison:
| Lender Type | Interest Rate (p.a.) / Processing Fee | Best For |
|---|---|---|
| Private Banks | 9.97% – 12% / 0.5% – 1% | Salaried with high CIBIL |
| Public Banks | 10.5% – 14% / 1% – 2% | Govt employees, PSU staff |
| NBFCs | 10.25% – 18% / 1% – 3% | Moderate CIBIL applicants |
| Fintech Lenders | 12% – 30% / 5% – 8% | Fast approval, lower eligibility bar |
NOTE: Interest rates are indicative and subject to change. Contact Bikesh Finserv for current rates.
Unlike most intermediaries, Bikesh Finserv offers Up to 100% cashback on processing fees which saves you thousands upfront.
Travel loans are available to salaried individuals across India, whether you are planning a domestic road trip or funding a foreign tour using a personal loan.
| Parameters | Salaried employees | Self employed |
|---|---|---|
| Age | 21 to 60 years | 21 to 60 years |
| Employment Type | Salaried (MNC, PSU, Government, Private Limited) | Salaried (MNC, PSU, Government, Private Limited) |
| Minimum Monthly Income | ₹20,000+ (Metro) & ₹15,000+ (Non-Metro) | ₹20,000+ (Metro) & ₹15,000+ (Non-Metro) |
| CIBIL Score | 685 and above (higher score = better rate) | 685 and above (higher score = better rate) |
| Work Experience | Total: 1–3 years | Total: 1–3 years |
Many travelers get confused whether to finance a foreign trip via a personal loan or a credit card. Here’s a quick comparison to help you choose. For trips costing ₹1 lakh or more, especially international travel, a personal loan almost always works out cheaper than carrying a credit card balance
Factor comparison
Yes! Many NBFCs offer travel loans for applicants with lower credit scores. At Bikesh Finserv, we evaluate your overall financial portfolio and help you get quick approval from top banks and NBFCs with minimum documentation.
Options for Borrowers with Low CIBIL Score
A major plus point of taking a travel loan online is the minimum documentation required. Most lenders require:
For Salaried Individuals
Simple process
Step 01
Fill in your basic details and see your loan offer in seconds.
Step 02
Pick the amount and tenure that perfectly fits your needs.
Step 03
Approved! Your loan is disbursed directly to your account.
Type of travel loan
You can use travel loans for almost any travel expense, such as:
| Purpose | Typical amount | Why travel loan works best |
|---|---|---|
| International flights | Rs. 50,000 – 5 lakh | Book tickets without draining your savings |
| Hotels & resorts | Rs. 30,000 – 8 lakh | Stay at your preferred accommodation stress-free |
| Visa & travel insurance | Rs. 10,000 – 1 lakh | Cover documentation and protection costs upfront |
| Holiday packages | Rs. 1 Lakh – 15 lakh | All-inclusive tours with easy EMI repayment |
| Domestic travel | Rs. 25,000 – 3 lakh | Explore India with quick, hassle-free funding |
| Shopping & experiences | Rs. 20,000 – 2 lakh | Enjoy activities and souvenirs without budget limits |
You can use travel loans for almost any travel expense, such as:
Travel loans also cover additional journey needs:
Customer stories
Got questions?
Yes. A personal loan can be used for international travel without any restriction. There is no end-use clause; the funds are credited directly to your bank account
Through Bikesh Finserv, you can access travel loans up to ₹50 lakh depending on your income, CIBIL score, and employer profile.
While no loan is completely document-free, the requirement is minimal; Aadhaar, PAN, salary slips, and bank statements are generally sufficient
Apply online through Bikesh Finserv. Once you share your basic details, we match you with a lender who can disburse within 30 minutes to 4 hours.
