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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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5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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Competitive Interest Rates

Starting 7.15% p.a.

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HDFC Bank
Min Loan Amt. ₹15L
Rate of Interest7.2% - 13.2%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
ICICI Bank
Min Loan Amt. ₹15L
Rate of Interest7.65% - 9.80%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
Axis Bank
Min Loan Amt. ₹30L
Rate of Interest8.35% - 11.90%
Tenure uptoUpto 30 Years
Processing Fee₹ 14,000

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Step 1: Enter your mobile number in the application form.

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Bajaj Housing Finance Home Loan Highlights

Interest Rate 7.15% 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 13th April 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%

Compare Bajaj Housing Home Loan Interest Rates with Other Lenders

Name of Lender Interest Rates
Axis Bank 8.00% - 11.90% p.a.
Bank of India 7.10% - 10.25% p.a.
Canara Bank 7.15% - 10.00% p.a.
Easy Home Finance 8.99% p.a. onwards
Federal Bank 7.30% - 10.75% p.a.
Godrej Housing Finance 7.60% p.a. onwards
HDFC Bank 7.20%* p.a. onwards
HDFC Sales Pvt. Ltd. 7.20%* p.a. onwards
Home First Finance 8.00% p.a. onwards
ICICI Bank 7.45% p.a. onwards
IDBI Bank 7.35% p.a. onwards
IDFC FIRST Bank 8.85% p.a. onwards
India Shelter Home Loan 14.00% p.a.
Jio Housing Finance 8.20% p.a. onwards
L&T Finance Limited 7.65%* p.a. onwards
Piramal Capital Housing Finance 9.99% p.a. onwards
PNB Housing Finance 7.50% p.a. onwards
Punjab & Sind Bank 7.30% - 10.70% p.a.
Punjab National Bank 7.25% - 9.30% p.a.
RBL Bank 8.20% p.a. onwards
Sammaan Capital (Formerly known as Indiabulls Housing Finance) 8.75% p.a. onwards
Shubham Housing Finance 10.45% p.a. onwards
State Bank of India 7.25% - 8.95% p.a.
Tata Capital Housing Finance 7.50% p.a. onwards

*when applied through Paisabazaar
Rates as of 13th April 2026

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

Please click here for the penal charges

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

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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

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.

How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

Apply Now

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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.

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me home loan lene ka soch raha tha uske liye mene pehle paisabazaar app se free me apni eligibility check ki..usse mujhe pata chala muje kya cheeze improve karni hai aur fir mera loan jaldi approve ho gaya.

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Mujhe home loan chahiye tha aur yahaan par sahayta kiya inhone aur loan mila. Pehla loan tha mera lekin sab ache se ho gaya.

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I took home loan here and they helped me in every step specially in collecting and submitting documents at the time of approval.

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I was confused and did not have so much time to carry out all the research, so I logged in to Paisabazaar’s portal and was able to see the home loan options I was eligible for. With the assistance of Paisabazaar’s experts, I was able to find the home loan that offered the rate of interest I could afford. Thank you Paisabazaar!

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Ended up taking an ICICI Home Loan and I think it was one of the best decisions I ever made. I thank Paisabazaar for helping me out and answering my questions with so much patience.

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Had a great experience with Paisabazaar

I have always heard my friends talking about how tedious it was for them to avail a home loan and decide the most suitable option. But with the help of Paisabazaar, I was able to compare several home loans and opt for the one that suited my needs. I am happy that I considered Paisabazaar for helping me.

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quick and easy home loan process

I had never thought that applying for a home loan could be so easy. The entire process was online and I didn’t have to go anywhere for application or documentation of my home loan. Paisabazaar experts helped me navigate through the process and later the bank collected my documents and everything was quick and seamless.

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Satisfied experience with Paisabazaar

I am satisfied with my home loan experience with Paisabazaar. I could easily compare different home loan options and apply for the home loan. Their customer care team also called me to confirm all the details and soon after the bank contacted to take the process forward. The process was really smooth.

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