Bajaj Housing Finance Limited Home Loan

Bajaj Housing Finance Limited (BHFL) offers low interest rates and higher loan amounts to its applicants based on their credit profile. It provides balance transfer facility to existing home loan borrowers of other lenders. Existing Bajaj Home Loan borrowers can also avail home loan top-up over and above their existing home loan. The lender also provides an online home loan application facility with disbursal within 48 hours after application and document verification.

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Bajaj Housing Finance Home Loan Highlights

Interest Rate	7.25% p.a. onwards
Loan Amount	Rs. 4 lakh - Rs. 15 crore
Loan Tenure	Home Loan - 5 years to 32 years For Salaried - Up to 32 years For Self-employed - Up to 20 years For Self-employed professionals - Up to 25 years Home Loan Balance Transfer- Up to 30 years For Salaried - Up to 30 years For Self-employed - Up to 20 years For Self-employed professionals - Up to 25 years
Processing Charges	Up to 4% + GST

Note: Updated on 12th June 2026

Bajaj Finance Home Loan Interest Rates

Bajaj Housing Finance offers home loans at interest rates starting from 7.15% p.a. onwards.
The lender offers differential home loan interest rates depending on the type of home loan scheme offered and the job profile of its applicants.

For Salaried Borrowers

Loan Type	Interest Rates (p.a.)
Home Loan	7.15% - 10.25%
Home Loan Balance Transfer	7.25% – 10.35%
Top-up	8.25% - 10.40%

For Professional Borrowers

Loan Type	Interest Rates (p.a.)
Home Loan	7.30% - 10.30%
Home Loan Balance Transfer	7.40% - 10.40%
Top-up	8.40% - 10.45%

For Self-Employed Borrowers

Loan Type	Interest Rates (p.a.)
Home Loan	7.75% - 10.65%
Home Loan Balance Transfer	7.95% - 10.80%
Top-up	9.20% - 10.85%

Bajaj Housing Finance Home Loan Processing Fees & Other Charges

Particulars	Charges
Processing fees	Up to 4% + GST
Bounce Charges	Up to Rs. 15 lakh = Rs. 500 Rs. 1500001 - Rs. 30 lakh = Rs. 500 Rs. 3000001 - Rs. 50 lakh = Rs. 1000 Rs. 5000001 - Rs. 1 crore = Rs. 3000 Rs. 10000001 - Rs. 5 crore = Rs. 3000 Rs. 50000001 - Rs. 10 crore = Rs. 3000 Above Rs. 10 crore = Rs. 10000
Part-Prepayment charges*	For individual and non individual borrowers with floating interest rate loans for non-business purposes: NIL For term loan - NIL For Flexi-Term Loan - NIL For individual and non-individual borrowers with floating interest rate loans for business purposes and all borrowers with fixed interest rate** loans: For Term Loan – 2% on the part-prepayment amount. Flexi Term Loan - Nil GST as applicable will be payable by the borrower in addition to the prepayment charges, if any. *Nil for home loans closed by borrowers out of their own sources. Own sources refer to any source, other than borrowing from a bank/NBFC/HFC and/or a financial institution. Note: In the case of dual-rate home loans (fixed for the initial period and then floating), the foreclosure/part-prepayment charges will be applicable as per the status of the loan as on the foreclosure/part-prepayment date.
Foreclosure charges	For individual and non-individual borrowers with floating interest rate loans for non-business purposes: For Term Loan – Nil For Flexi Term Loan – Nil For individual and non-individual borrowers with floating interest rate loans for business purposes and all borrowers with fixed interest rate** loans: For Term Loan – 4%* on principal outstanding For Flexi Term Loan – 4%* on the sanctioned amount during the Flexi interest only loan repayment tenure; and 4%* on the available Flexi loan limit during the Flexi Term Loan tenure GST as applicable will be payable by the borrower in addition to the prepayment charges, if any. *Nil for home loans closed by borrowers out of their own sources. Own sources refer to any source, other than borrowing from a bank/NBFC/HFC and/or a financial institution. Note: In the case of dual-rate home loans (fixed for the initial period and then floating), the foreclosure/part-prepayment charges will be applicable as per the status of the loan as on the foreclosure/part-prepayment date.
Interest and principal statement charges	NIL

Also know home loan processing fees charged by other home loan lenders.

Types of Bajaj Housing Finance Home Loan

Bajaj Housing Finance Online Home Loan

Purpose: Consumers can avail Online Home Loans from Bajaj Housing Finance for purchasing a home, with loan disbursal within 48 hours of document submission and approval of loan application.
Loan Amount: The maximum loan amount for availing Bajaj Housing loan is Rs. 15 crore. However, eligible applicants can also avail higher loan amounts from Bajaj Housing Finance.
Tenure: Up to 32 years

Bajaj Housing Loan for Doctors

Purpose: Doctors can avail Bajaj Housing Finance Home Loan for Doctors to finance their home purchases. It also allows them to transfer their existing home loans from other banks and HFCs to Bajaj Housing Finance at lower interest rates.
Loan Amount: Applicants of Bajaj Housing Finance loan can borrow loan amounts of up to Rs. 15 crore. However, the HFC may also offer higher loan amounts to eligible applicants.
Tenure: Up to 32 years

Bajaj Housing Finance Loan Balance Transfer

Purpose: Existing home loan borrowers of other banks and HFCs can avail Bajaj Housing Finance Home Loan Balance Transfer facility for transferring their existing home loans to Bajaj Housing Finance at lower interest rates.
Loan amount: Rs. 4 lakh - Rs. 15 crore
Loan Tenure: Up to 30 years

Bajaj Housing Finance Top-up Home Loan

Purpose: Existing home loan borrowers of Bajaj Housing Finance can avail Home Loan Top-up facility over and above the existing home loans to meet their personal expenses like wedding, medical treatment, education, etc.
Loan Amount: Bajaj Housing Home Loan borrowers can avail Top-up Home Loans for loan amount of up to Rs. 1 crore. However, borrowers can also avail higher loan amounts based on their eligibility.

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Bajaj Housing Finance – Home Loan Eligibility Criteria

For Salaried

The applicant should be a resident of India
Minimum age: 23 years
Maximum age: 67 years
Individuals employed in Private Companies, Public Sector Undertakings or an MNC are eligible for Bajaj Finance Housing Loan
Minimum experience: 3 years
CIBIL Score: 725 and above

For Self-employed

Applicant should be an Indian resident
Minimum age: 23 years
Maximum age: 70 years
Business vintage: Minimum 3 years of vintage in the current enterprise
CIBIL Score: 725 and above

For Home Loan Balance Transfer

For Salaried

Indian residents and NRIs are eligible
Minimum age: 23 years
Maximum age: 65 years
Individuals employed in Private Companies, Public Sector Undertakings or an MNC are eligible for Bajaj Finance Housing Loan
Minimum experience: 3 years

For Self-employed

Applicant should be an Indian resident
Minimum age: 23 years
Maximum age: 75 years
Business vintage: Minimum 3 years and have a steady income

Documents Required for Bajaj Housing Finance Home Loan

Mandatory document – PAN Card or Form 60
KYC documents - Recent photograph, Aadhaar Card, valid Passport, Voter ID Card, valid Driving License
Property related documents - Title deed, allotment letter, property tax receipt
Salary slips for the past 3 months for salaried applicants
Business proof of 5 years or more for self-employed professionals and non-professionals
Bank account statement for the last 6 months
ITR and P&L statement for self-employed professionals and non-professionals
Education certificates for individuals with MBBS degree and above (self-employed professionals-doctors) and valid COP for self-employed professionals, such as CAs.

Bajaj Housing Finance Home Loan Customer Care Number

Home loan borrowers can contact customer care at +91 022 45297300 (10 a.m. to 6 p.m.) for any grievances.

Email-

bhflwecare@bajajhousing.co.in
bhflgrievance@bajajhousing.co.in
bhflcustomerexperience@bajajhousing.co.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.

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FAQs

What is the current home loan interest rate offered by Bajaj Housing Finance?

Bajaj Housing Finance offers home loans at 7.15% p.a. onwards, depending on the credit profile of its applicants.

How do I apply for a Bajaj Housing Finance Home Loan online?

You can visit the official website of Bajaj Housing Finance and fill in the housing loan application form provided by the lender. Alternatively, you can also click here to apply for a home loan offered by Bajaj Housing Finance.

How long does it take for the Bajaj Housing Finance Home Loan to get sanctioned?

Bajaj Housing Finance claims to sanction the home loan within 48 hours of the approval of the loan application and document verification.

Can I avail two home loans at the same time?

Eligible candidates can avail two home loans at the same time. The lender considers the applicant’s income, credit profile and employment type while evaluating his/her loan application for another home loan.

What is the minimum credit score required to avail home loan from Bajaj Housing Finance?

Applicants with credit scores of 750 and above can avail home loans from Bajaj Housing Finance.

What is the turnaround time for the disbursal of the Bajaj Home Loan?

Bajaj Home Loans are disbursed within 48 hours of completion of the application and document verification.

Is it mandatory to have a co-applicant while applying for a home loan at Bajaj Housing Finance? If yes, who can be the co-applicant?

It is not mandatory to have a co-applicant while applying for a home loan with Bajaj Housing Finance. The co-owners of the property can be the co-applicant. If there is no co-owner of the property, any immediate family member can be the co-applicant.

Can I choose between fixed and floating rates of interest?

Bajaj Housing Finance offers home loans at floating rates and dual interest rates. Under the dual interest rates option, the home loan interest rate remains fixed for the first 3 years, after which the remaining repayment tenure is floating in nature.

Can I foreclose my home loan availed from Bajaj Housing Finance?

Yes, you can foreclose your home loan without paying any prepayment charges.

Why is it beneficial to calculate your home loan EMI beforehand?

Calculating the home loan EMI would help the home loan applicants to know their home loan EMI commitment and thereby, plan their finances accordingly. Moreover, banks and HFCs usually prefer to lend to home loan applicants having their total EMIs including the EMI of the proposed home loan to be within 50-60% of their monthly income. Thus, using home loan EMI calculator would allow an applicant to opt for a home loan tenure that contains his total EMIs within the aforementioned limit and thereby, increase his chances of home loan approval.

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