Bajaj Housing Finance Home Loan Balance Transfer

Bajaj Housing Finance Home Loan Balance Transfer (HLBT) Highlights – 2025
Interest Rate	8.55% p.a. onwards
Loan Amount to be transferred	No limit
Processing Fees	Up to 4% of loan amount + GST

Rates as of 28 August 2025

Interest Rates for Bajaj Home Loan Balance Transfer

Borrower Profile	Interest Rate (p.a.)
Salaried Borrowers	7.55%-10.35%
Professional Borrowers	7.65%-10.40%
Self-employed Professional Borrowers	8.95%-10.85%

Name of Lender	Loans of Up to Rs. 30 Lakh
Bank of India	7.10% p.a. onwards	Check Eligibility
State Bank of India	7.25% p.a. onwards	Check Eligibility
Punjab National Bank	7.20% p.a. onwards	Check Eligibility
Canara Bank	7.15% p.a. onwards	Check Eligibility
HDFC Bank	7.90% p.a. onwards	Check Eligibility
Bajaj Housing Finance	7.40% p.a. onwards	Check Eligibility
ICICI Bank	7.65% p.a. onwards	Check Eligibility
Axis Bank	*8.25% p.a. onwards	Check Eligibility
Federal Bank	*7.90% p.a. onwards	Check Eligibility
Kotak Mahindra Bank	7.70% p.a. onwards	Check Eligibility
IDFC FIRST Bank	8.85% p.a. onwards	Check Eligibility
IDBI Bank	7.35% p.a. onwards	Check Eligibility
RBL Bank	8.20% p.a. onwards	Check Eligibility
Tata Capital Housing Finance	7.75% p.a. onwards	Check Eligibility
PNB Housing Finance	*7.20% p.a. onwards	Check Eligibility
Sammaan Capital (Formerly known as Indiabulls Housing Finance)	8.75% p.a. onwards	Check Eligibility
India Shelter Home Loan	8.43% p.a. onwards	Check Eligibility
L&T Finance Limited	*8.40% p.a. onwards	Check Eligibility
Godrej Housing Finance	7.75% p.a. onwards	Check Eligibility
Home First Finance	8.00% p.a. onwards	Check Eligibility
Easy Home Finance	8.99% p.a. onwards	Check Eligibility
Piramal Capital Housing Finance	*8.25% p.a. onwards	Check Eligibility
Shubham Housing Finance	10.45% p.a. onwards	Check Eligibility
Punjab & Sind Bank	7.30% p.a. onwards	Check Eligibility
Jio Housing Finance	8.20% p.a. onwards	Check Eligibility
HDFC Sales Pvt Ltd	7.90% p.a. onwards	Check Eligibility

Eligibility Criteria for Bajaj Home Loan Balance Transfer

For Salaried Individuals

• Applicant should be an Indian resident
• Minimum age of the applicant should be 21 years at the time of home loan application.
• Maximum age of the applicant should be 65 years at the time of loan maturity
• Individuals having a minimum work experience of 3 years with public Sector Undertakings, Private Sector Companies/MNCs, etc. are eligible for Home Loan Balance Transfer offered by Bajaj Housing Finance.

For Self-employed Individuals

• Indian citizens can apply for Bajaj Housing Finance Home Loan Balance Transfer.
• Minimum age of the applicant should be 23 years at the time of loan application.
• Applicant should be 70 years old at the time of loan maturity.
• Minimum Business Vintage- 5 years

Documents Required for Bajaj Housing Finance Home Loan Balance Transfer 

• KYC documents (ID Proof and Address Proof)
• Photographs
• Income Proof- Form 16/latest salary slips (for salaried individuals), ITR document & P&L statement for last 2 years (for self-employed)
• Business proof documents, with at least 5 years of continuity in current business (for self-employed individuals only)
• Bank account statements for last 6 months

Check: Current Home Loan Rates

Bajaj Housing Finance Home Loan Balance Transfer Fees and Charges

Particulars	Charges
Processing Fee	Up to 4% of loan amount + GST
Penal Charges	24% p.a. in addition to the applicable interest rate on the overdue amount
EMI bounce charges	Up to Rs 10,000
Loan Statement Charges	NIL
Interest and Principal Statement Charges	NIL

Prepayment Charges

For individual and non-individual borrowers with floating rate of interest for non-business purposes:

Part-prepayment Charges/ Full Prepayment Charges

Term Loan- NIL Flexi Term Loan- NIL Flexi Hybrid Loan- NIL

For individual and non-individual borrowers with floating rate of interest for non-business purposes and all borrowers with fixed interest rate loans:

Part-prepayment Charges	Term Loan- 2% on part-prepayment Flexi Term Loan- NIL Flexi Hybrid Loan- NIL
Full Prepayment Charges	Term Loan- 4% on outstanding principal Flexi Term Loan- 4% on available Flexi Loan amount Flexi Hybrid Loan- 4% on sanctioned amount

Bajaj Housing Finance Home Loan Customer Care Number

+91 022 45297300 (10 A.M. to 6 P.M.)

Existing Bajaj Housing Finance customers can also register their complaints by sending and email to bhflwecare@bajajfinserv.in

To contact the grievance Redressal Team, applicants can send an email to bhflgrievance@bajajfinserv.in

Customers can escalate their complaint to the Head of Customer Experience by sending an email to bhflcustomerexperience@bajajfinserv.in

Click on Bajaj Housing Finance Home Loan Customer Care/Grievance Matrix to know more about the customer care and grievance redressal process of Bajaj Housing Finance Home Loan.