Bajaj Finserv Offers Lowest Home Loan Interest Rates in India ✔ Minimum Processing Fees ✔ 3 EMI Holiday ✔ NIL Loan Statement Charges ✔ NIL Interest and Principle Statement Charges ✔ NIL Foreclosure Charges ✔ NIL Part Prepayment Charges ✔ Check Latest Housing Loan Interest Rate ✔ Home Loan Eligibility ✔ Apply for Home Loan Online ✔ Get Best Home Loan Offers at Affordable Rates and Instant Approval

Current Home Loan Interest Rates: Fees and Charges

Types of fees

Charges applicable

Rate of interest

8.50%

Processing fees

1% of the loan amount for salaried individuals

Loan statement charges

NIL

Interest & principle statement charges

NIL

PDC swap charges

NIL

EMI bounce charges

Rs.1000 for every bounce

Penal interest

2.00% p.m

Secure fee

Rs. 2999/-

*Applicable following 1st EMI clearance.

 

Foreclosure Charges

Borrower Type: Interest Type

Time Period (Months)

Foreclosure charges

Individual: Floating rate

>1

Nil

Non-Individual: Floating rate & All borrowers: Fixed rate

>1

4% plus applicable taxes

  • For Term Loan on principal outstanding
  • For Line of credit (Flexi Pure) Charges will be calculated on sanctioned limit
  • For Flexi Saver (Dropline Flexi) charges will be calculated on current Dropline limit

 

Part prepayment charges

Borrower Type: Interest Type Time Period (Months) Part payment charges
Individual: Floating rate >1 Nil
Non-Individual: Floating rate & All borrowers: Fixed rate >1 2% plus applicable taxes on part payment amount paid
  • Part payment made should be more than 1 EMI.
  • Charges not applicable for Line of credit (Flexi Pure) & Flexi Saver (Dropline Flexi)

Contact Us

Not yet an existing customer?

You can visit our branch or call us at 1800-103-3535 or SMS 'SHOL' to 9773633633

For existing customers

Call us on our toll free IVR

  • Dial 020 3957 4151 (call charges apply) (W.e.f. 2 May 2015)
  • Enter your 7-digit Bajaj Finserv Customer ID
  • Select from various IVR options
  • Access IVR in 10 languages:English, Hindi, Bengali, Marathi, Punjabi, Gujarati, Tamil, Telugu, Kannada and Malayalam
  • Get access to all your loan details

Customer portal

  • For online customer portal click here
  • Log in using your user ID and password
  • Access all loan details
  • Manage your loans
  • View special offers

Email

Write to us at [email protected] for all your queries.

SMS updates

SMS <<keyword below>> to +91 92275 64444

KEYWORD TRANSACTION
APP To receive the download URL for mobile app
GETEMAIL Know your current email address
UPDEMAIL <New Email ID > Know your current email address
GETADD Know your current mailing address
CUSTID Know your customer ID
LAN Know your Loan Account Number (LAN)
EMI LAN Know your loan/EMI details
EXPERIA Know your Customer Portal username and password
PIN Know your 4 digit EMI Card PIN
SOA Statement of account
NOC No objection certificate
REPSCH Repayment schedule
FEEDBACK
SAT Y
SAT N
Give your valuable feedback
Give a positive feedback
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(Your mobile number should be registered with us for this facility). Standard
SMS charges applicable

Visit our branch

  • Change of mode of payment (swapping)
  • Purchase/cancellation of insurance policy
  • Foreclosure of loan
  • Refund

To know the address of your nearest branch Click here

Financial Fitness Report

We launched the Financial Fitness Report (FFR) for our Salaried customers in December 2013.
Through this report we would educate and create financial and credit awareness among Salaried customers, one of our many value added services we provide. We have partnered with a firm called Credit Vidya who possesses the expertise in preparing the FFR for our customers.

The FFR is a concise, crisp, customized and easy to understand report, available at just Rs.749, for select existing customers, covering the following:

  • A customers’ Credit Score
  • Demystifying the credit score for the customer and informing him about his performance across various components of the score
  • Key monetary ratios & savings potential which would provide awareness to a customer about his financial leverage
  • Recommendations to the customer with respect to his credit behavior
  • DO’s & DON’T’s of good credit behavior

Click here to view a sample copy of the report

How to Apply

The Financial Fitness Report is only available to select existing customers who have an offer on our Customer Portal.
To view the FFR offer, a customer must log in to the Customer Portal with a Username/Email ID/Mobile Number and Password.

Alternately a Salaried customer could seek information about the FFR from our Sales / Credit Manager during the Personal loan application process. The report for a new customer is priced at 999/-
Post application for a FFR, the report is generated within 3 days post disbursal of the loan and emailed to the customer on the email ID provided by him/her.