Bajaj Finance Home Loan @ 8.50% p.a.

Get your dream home with India's most trusted NBFC. Quick approval, minimal documentation, and attractive interest rates.

30M+
Happy Customers
4.6 ★
Customer Rating
15+
Years Experience

Apply for Bajaj Finance Loan

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Get approval within 24 hours
8.50%
Interest Rate (p.a.)
₹21,000
Processing Fee
30 yrs
Max Tenure
₹3L - 100Cr+
Loan Amount
700+
CIBIL Score
24-48 hrs
Disbursement

Bajaj Finance Special Home Loan Schemes

Bajaj Flexi Home Loan

Flexible EMI & Withdrawal

8.50% p.a.

Bajaj Max Saver

Overdraft Facility

8.4% p.a.

Bajaj Woman Power

For Women Applicants

8.35% p.a.

Bajaj NRI Home Loan

Special for NRIs

8.6% p.a.
🏦 0% Processing Fee for First Time Borrowers
🎯 Special Rates for Existing Bajaj Customers
⭐ Free CIBIL Score Check with Detailed Report
📱 100% Digital Paperless Process
🚀 Quick Disbursement in 24 Hours
💎 Pre-Approved Loan Offer for Existing Customers
🎁 Free Bajaj Health Checkup with Loan

About Bajaj Finance Home Loan

Bajaj Finance, one of India's leading NBFCs, offers home loans at competitive interest rates starting from 8.50% p.a. With over 30 million satisfied customers, Bajaj Finance home loans come with flexible repayment options, minimal documentation, and quick approval process. Being part of the Bajaj Group, we are committed to providing transparent and customer-friendly loan solutions.

Key Features & Benefits

Competitive Interest Rates
Quick Approval & Disbursement
Flexible Repayment Tenure up to 30 Years
Zero Prepayment Charges on Floating Rates
100% Digital Paperless Process
Special Discount for Women Applicants

Bajaj Finance Home Loan Eligibility

Age: 21 - 65 years
Employment: Salaried / Self-employed / Business
Min Income: ₹25,000/month (Salaried)
Work Exp: 2+ years (Salaried)
CIBIL Score: 700+ (750+ for best rates)
Property Age: Up to 50 years

Documents Required for Bajaj Finance Home Loan

📄 Identity Proof: Aadhaar Card, PAN Card, Voter ID, Passport
🏠 Address Proof: Aadhaar Card, Utility Bill (last 3 months), Rent Agreement
💰 Income Proof (Salaried): Salary Slips (last 3 months), Form 16, Bank Statement (last 6 months)
💰 Income Proof (Self-employed): ITR (last 2 years), Audited Balance Sheet, Profit & Loss Statement
🏦 Property Documents: Title Deed, Sale Agreement, NOC from Builder, Property Tax Receipts
📸 Others: 2 Passport Size Photographs, Loan Application Form

Bajaj Finance Home Loan Charges Breakdown

Processing Fee
₹21,000 + GST
CERSAI Charges
₹100 + GST
Legal & Technical Valuation
₹3,000 - ₹8,000
Stamp Duty & Registration
As per state govt
Administrative Charges
₹500 - ₹1,000
Prepayment Charges
Zero on floating rate loans
Late Payment Penalty
2% per month on overdue amount
NOC / Closing Charges
₹500 - ₹1,000

Bajaj Finance Home Loan Process (Login to Disbursement)

Step 1: Online Registration

Visit Bajaj Finance website or BankerMart to apply online

⏱️ 5-10 minutes

Step 2: Document Upload

Upload KYC, income proof, and property documents

⏱️ 15-20 minutes

Step 3: Verification & CIBIL Check

Company verifies documents and checks CIBIL score

⏱️ 1-2 days

Step 4: Property Valuation

Bajaj's empanelled valuer inspects the property

⏱️ 1-2 days

Step 5: Loan Sanction

Loan gets approved and sanction letter issued

⏱️ 2-3 days

Step 6: Loan Disbursement

Amount credited to builder/seller account

⏱️ 1-3 days after agreement

Bajaj Finance Home Loan Pros & Cons

Pros / Advantages

  • ✅ Competitive interest rates
  • ✅ Quick approval process
  • ✅ Special schemes for women
  • ✅ Zero prepayment charges on floating rate
  • ✅ Flexi EMI options available
  • ✅ Balance transfer facility available

Cons / Disadvantages

  • ❌ Higher CIBIL score requirement (700+)
  • ❌ Processing fee may be higher for low CIBIL
  • ❌ Not a bank (NBFC), so some features differ
  • ❌ Limited physical branch network

Bajaj Finance Home Loan Interest Rates (2026)

Loan AmountInterest Rate (p.a.)
Up to ₹30 Lakh8.50% - 8.75%
₹30 Lakh - ₹75 Lakh8.65% - 8.9%
Above ₹75 Lakh8.8% - 9.1%

*Additional 0.05% concession for women applicants and senior citizens

Frequently Asked Questions - Bajaj Finance Home Loan

What is the current interest rate for Bajaj Finance home loan?

Bajaj Finance home loan interest rates currently start from 8.50% p.a. for loan amounts up to ₹30 lakh.

What is the maximum loan amount I can get from Bajaj Finance?

Bajaj Finance offers home loans up to ₹5 Crore based on your income, property value, and repayment capacity.

Is Bajaj Finance a bank or NBFC?

Bajaj Finance is a leading NBFC (Non-Banking Financial Company) and part of the Bajaj Group.

Does Bajaj Finance offer home loan subsidy under PMAY?

Yes, Bajaj Finance offers CLSS under PMAY. Eligible beneficiaries can get up to ₹2.67 lakh interest subsidy.

Is there any prepayment penalty on Bajaj Finance home loan?

No, RBI has prohibited prepayment penalties on floating rate home loans for NBFCs as well.

Can I transfer my existing home loan to Bajaj Finance?

Yes, Bajaj Finance offers home loan balance transfer facility with better interest rates.