✓ Home Loan from ₹2 Lakhs To ₹15 Cr ✓ Multiple Lending Partners ✓ Interest Rates Starting @ 8.65%


EMI Calculator

When planning to transition from being a tenant to a proud homeowner, look no further. Avail a Bajaj Housing Finance home loan through Bajaj Markets and own your dream home at favourable loan terms.

With a home loan from Bajaj Housing Finance, you can avail funding of up to ₹2.5 Crores at budget-friendly interest rates starting from 8.85% per annum onwards. 

What’s more, you can repay it over 30 years and even get a balance top-up if you require more money than you have borrowed. Here’s a quick read on the Bajaj Finance home loan eligibility check, interest rates and necessary documents to avail the loan.

Bajaj Housing Finance Home Loan Interest Rates and Charges 2023

Interest Rate

8.85% p.a. onwards

Loan Amount

Up to ₹2.5 Crores

Processing Fees

Up to 7% of the loan amount (Depending on the amount disbursed)

Penal Interest Rate

Up to 2%

Max Repayment Tenure

Up to 30 years

Types Available

Fixed and floating interest rates

Part-prepayment and Foreclosure Charges

Nil for floating interest rates


Disclaimer: Above-mentioned loan particulars are subject to change at the lender’s discretion. 

Compare Bajaj Housing Finance Home Loan With Other Partners

Now that you know Bajaj Housing Finance home loan rates, here is a tabulated comparison with other lending partners on Bajaj Markets. 

Name of the Financial Institution

Interest rates (% p.a.)


8.75% onwards

Union Bank of India Limited

9.00% onwards


9.00% onwards

LIC Housing Finance

8.65% onwards

Home First Finance Company (HFFC) Limited

9.50% onwards

Shubham Housing Finance

10.90% onwards

Shriram Housing Finance

11.50% onwards


Disclaimer: Interest rates are subject to change as per the change in the financial institution’s terms and policies.

Bajaj Housing Finance Housing Loan Features & Benefits

As you are now familiar with Bajaj Finance home loan processing fees and interest rates, know the distinctive benefits you enjoy when availing a housing loan from Bajaj Finance. 

  • Flexible Repayment: You can choose your home loan repayment tenure to up to 360 months. Also, there are no charges for prepayment or foreclosure with a home loan from Bajaj Housing Finance Limited.

  • Balance Transfer and Top-Up Options: Enjoy Bajaj Housing Finance home loan balance transfer or a top-up option on an existing home loan at nominal interest rates.

  • Simple Eligibility Criteria and Minimal Documentation: When availing a home loan from Bajaj Finance, you must meet easy and simple eligibility parameters for hassle-free approval. Post approval of a Bajaj Housing Finance home loan application and submission of documents, you can get the amount credited to your account within 48 hours.

Bajaj Housing Finance Home Loan Eligibility

Following are the Bajaj Housing Finance home loan eligibility criteria you must meet for loan approval:

  • You must be a citizen residing in India

  • You must be between the age of 23 and 62 years if you are a salaried professional

  • You must be between 25 and 70 years if you are self-employed

  • You need to have a CIBIL Score of 650 and above

Calculate your Bajaj Housing home loan eligibility criteria and check out factors that can help you improve the eligibility criteria.

Documents Required for Bajaj Housing Finance Home Loan

For a Bajaj Housing Finance home loan, apply with the following documents if you are a salaried employee:

  • Proof of your address like Aadhaar Card/ Passport/ Driving Licence

  • Identity proof like PAN Card

  • Form 16 or your last salary slip

  • Bank statement for the last three months

As a self-employed individual planning to avail a Bajaj Finance home loan online, apply by submitting the following documents:

  • Proof of your address like Aadhaar Card/ Passport/ Driving Licence

  • Identity proof like PAN Card

  • Bank account statement for the past six months

  • ITR for the last 2 Financial Years

  • Business vintage proof like Certificate of Incorporation, Shop Act etc

How to Apply for Bajaj Housing Finance Home Loan Online

Here are the steps to apply for a Bajaj Housing Finance home loan on Bajaj Markets:

  • Step 1: Click on the ‘Apply Now’ tab in the ‘Home Loan’ section

  • Step 2: Fill in your personal and income details and get instant home loan eligibility

  • Step 3: Select Bajaj Housing Finance Limited from the list of partners and get going

  • Step 4: Find out the home loan amount you can avail

  • Step 5: Fill in your required home loan amount & details of the property

  • Step 6: Find out your loan details along with all the charges and net disbursal amount

Post this, a loan expert will connect with you to process your application further.

Bajaj Housing Home Loan FAQs

✔️What are the factors that will define the tenure for my home loan?

Some factors determining your maximum Bajaj Housing Finance home loan repayment tenure are risk profile, age at the time of loan maturity, age of the property you are buying and loan repayment terms.

✔️What are my loan repayment options?

Some of the available Bajaj Housing Finance home loan repayment options include tranche-based EMI, step-up repayment facility, accelerated repayment scheme, flexible loan instalments plan and telescopic repayment option.

✔️Can I transfer my existing home loan to Bajaj Housing Finance Limited?

Yes, you can quickly transfer your home loan to Bajaj Housing Finance Limited. But, before doing so, check the Bajaj Housing Finance home loan interest rates and consider the Bajaj Finance processing fee for a home loan before making the switch.

✔️Is a co-applicant mandatory while applying for a home loan at Bajaj Housing Finance?

Having a co-applicant is not mandatory when availing a Bajaj Housing Finance Home Loan.

✔️How soon are Bajaj Housing Finance home loans disbursed?

The disbursal time for a Bajaj Housing Finance Home Loan is 48 hours.

✔️What is the repo rate linked to Bajaj Housing Finance home loan?

According to this provision, you can link your home loan to the repo rate. This helps increase transparency as you can monitor one of the prime factors affecting the home loan interest rates.

✔️Is a guarantor required to get a Bajaj Finance Home loan for senior citizens?

Yes, a guarantor may be required if you are a senior citizen who wishes to apply for a home loan.

✔️How can I improve Bajaj home loan eligibility?

Having a stable income along with a healthy credit score can improve your eligibility for a Bajaj home loan. You must always pay your dues on time and keep credit utilisation under 30% for a good credit score.

✔️What is the minimum salary to get a Home Loan from Bajaj Housing Finance?

The minimum salary required to meet Bajaj Housing Finance housing loan eligibility is ₹25,000 per month.

✔️What is the Bajaj Housing Finance Home Loan Interest Rate on ₹ 25 Lakhs for 15 years?

You can avail a home loan of ₹ 25 Lakhs for 15 years from Bajaj Housing Finance at an interest rate starting from  8.85% per annum.

✔️Do I get tax benefits on a Home Loan from Bajaj Housing Finance?

Yes. Section 24 and Section 80C of the Indian Income Tax Act of 1961 allow Indian residents to avail tax benefits on the principal amount as well as interest payments for a home loan.

✔️ How much financing can I get on Bajaj Housing Finance home loan?

You can avail a Bajaj Housing Finance home loan of up to Rs. 2.5 Cr on Finserv MARKETS.