हिंदी में पढ़े
| Bajaj Housing Finance Home Loan Highlights | |
| Interest Rate | 7.49% p.a. onwards. |
| Loan Amount | Rs 4 lakh-Rs 15 crore |
| Loan Tenure |
Home Loan-2 years to 32 years
Home Loan Balance Transfer- 2 years to 30 years
|
| Processing Charges | Up to 4% of the loan amount |
Note: Last updated on 3 July 2025
Table of Contents
Bajaj Finance Home Loan Interest Rates
Bajaj Housing Finance Home Loan interest rates start from 7.49% 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.
| Loan Type | Interest Rate (p.a.) |
| Home Loan | 7.49%-17.00% |
| Home Loan Balance Transfer | 7.60%-17.00% |
| Top-up | 8.55%-17.00% |
Compare Bajaj Housing Finance Home Loan Interest Rates with Other Lenders
| Name of Lender | Loans Up to Rs. 30 Lakh | Loans Above Rs. 30 Lakh to Rs. 75 Lakh | Loans Above Rs. 75 Lakh | |
| State Bank of India | 7.50%-8.70% p.a. | 7.50%-8.70% p.a. | 7.50%-8.70% p.a. | Check Eligibility |
| HDFC Bank Limited | 8.15% p.a. onwards | 8.15% p.a. onwards | 8.15% p.a. onwards | Check Eligibility |
| Bajaj Housing Finance | 7.49% p.a. onwards | 7.49% p.a. onwards | 7.49% p.a. onwards | Check Eligibility |
| ICICI Bank | 8.00% p.a. onwards | 8.00% p.a. onwards | 8.00% p.a. onwards | Check Eligibility |
| Axis Bank | 8.35%-11.90% p.a. | 8.35%-11.90% p.a. | 8.35%-11.90% p.a. | Check Eligibility |
| Federal Bank | 9.15% p.a. onwards | 9.15% p.a. onwards | 9.15% p.a. onwards | Check Eligibility |
| Punjab National Bank | 7.55% - 9.35% p.a. | 7.50% - 9.25% p.a. | 7.50% - 9.25% p.a. | Check Eligibility |
| Kotak Mahindra Bank | 8.20% p.a. onwards | 8.20% p.a. onwards | 8.20% p.a. onwards | Check Eligibility |
| Canara Bank | 7.50%-10.25% p.a. | 7.45% – 10.25% p.a. | 7.40% – 10.15% p.a. | Check Eligibility |
| IDFC FIRST Bank | 8.85% p.a. onwards | 8.85% p.a. onwards | 8.85% p.a. onwards | Check Eligibility |
| IDBI Bank | 7.75% p.a. onwards | 7.75% p.a. onwards | 7.75% p.a. onwards | Check Eligibility |
| RBL Bank | 8.20% p.a. onwards | 8.20% p.a. onwards | 8.20% p.a. onwards | Check Eligibility |
| Tata Capital Housing Finance | 7.99% p.a. onwards | 7.99% p.a. onwards | 7.99% p.a. onwards | Check Eligibility |
| PNB Housing Finance | 8.25% - 11.50% p.a. | 8.25% - 11.50% p.a. | 8.25%-12.35% p.a. | Check Eligibility |
| Sammaan Capital (Formerly known as Indiabulls Housing Finance) | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Check Eligibility |
| India Shelter Home Loan | 10.00% - 24.00% p.a. | 10.00% - 24.00% p.a. | 10.00% - 24.00% p.a. | Check Eligibility |
| L&T Finance Limited | 8.65% p.a. onwards | 8.65% p.a. onwards | 8.65% p.a. onwards | Check Eligibility |
| Godrej Housing Finance | 8.55% p.a. onwards | 8.55% p.a. onwards | 8.55% p.a. onwards | Check Eligibility |
| Home First Finance | 11.90% - 15.00% p.a. | 11.90% - 15.00% p.a. | 11.90% - 15.00% p.a. | Check Eligibility |
| Easy Home Finance | 8.99% - 18.00% p.a. | 8.99% - 18.00% p.a. | 8.99% - 18.00% p.a. | Check Eligibility |
| Piramal Capital Housing Finance | 9.50% p.a. onwards | 9.50% p.a. onwards | 9.50% p.a. onwards | Check Eligibility |
Bajaj Housing Finance Home Loan Processing Fees & Other Charges
| Particulars | Charges |
| Processing fees | Up to 4% of the loan amount + GST as applicable |
| Bounce Charges | Bounce Charges |
| Part-Prepayment charges* | For individual and non individual borrowers with floating interest rate loans for non-business purposes: NIL
For individual and non-individual borrowers with floating interest rate loans for business purposes and all borrowers with fixed interest rate** loans:
*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 individual and non-individual borrowers with floating interest rate loans for business purposes and all borrowers with fixed interest rate** loans:
*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 |
Penal Charges
Please click here for the penal charges
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.
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
Bajaj Housing Finance Home Loan Balance Transfer Eligibility Criteria
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-CAs
Also know the documents required by home loan lenders.
Bajaj Housing Finance Home Loan EMI Calculator
Home loan applicants of Bajaj Housing Finance can use the Home Loan EMI Calculator to calculate their total interest cost and EMI based on various combinations of loan amount, interest rate and loan tenure. Thus, individuals planning to apply for a home loan with Bajaj Housing loan can choose their optimum tenures based on their repayment capacity.
Monthly EMI ₹ 15,622
Total Amount Payble ₹ 5,62,395(Principal + interest)
Principal Amount ₹ 5,00,000
Total Interest Payble ₹ 62,395
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.
FAQs On Bajaj Housing Finance Home Loan
1. What is the current home loan interest rate offered by Bajaj Housing Finance?
Ans. Bajaj Housing Finance offers home loans at 7.49% p.a. onwards, depending on the credit profile of its applicants.
2. How do I apply for a Bajaj Housing Finance Home Loan online?
Ans. 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.
3. How long does it take for the Bajaj Housing Finance Home Loan to get sanctioned?
Ans. Bajaj Housing Finance claims to sanction the home loan within 48 hours of the approval of the loan application and document verification.
4. Can I avail two home loans at the same time?
Ans. 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.
5. What is the minimum credit score required to avail home loan from Bajaj Housing Finance?
Ans. Applicants with credit scores of 725 and above can avail home loans from Bajaj Housing Finance.
6. What is the turnaround time for the disbursal of the Bajaj Home Loan?
Ans. Bajaj Home Loans are disbursed within 48 hours of completion of the application and document verification.
7. 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?
Ans. 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.
8. Can I choose between fixed and floating rates of interest?
Ans. 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.
9. Can I foreclose my home loan availed from Bajaj Housing Finance?
Ans. Yes, you can foreclose your home loan without paying any prepayment charges.
10. Why is it beneficial to calculate your home loan EMI beforehand?
Ans. 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.