Bajaj Finserv, India's most diversified NBFC, now offers the lowest interest rate of 9.50% on an online Home Loan, for all its salaried customers.

Home Loan: Features and Benefits

Home Loan +

A unique offering to our home loan customers who are buying ready to occupy property. While we fund your dream home we also understand that you need to spend on the fixtures and fittings to make the place yours. As a part of the overall package, we at Bajaj Finance offer you a separate amount exclusively for this purpose.

With the Home Loan+ facility you would not have to worry about applying for a separate Personal Loan or a Home Improvement Loan either. Spend the time on making your house your home rather than on documents. Learn more about Home Loan eligibility and documents.


If you have purchased your property within the last 12 months with your own funds, you can avail of our refinance option and take a loan up to the registered value of your property.

Part Prepayment facility

You can prepay any amount. However the prepay transaction should not be less than the total amount of 3 EMIs. There is no limit on the maximum amount. This is subject to your clearing your first EMI. You need not give cheques / DD / come to branch since now you can also prepay sitting at your home / office through our Online Customer Portal – Experia. You can calculate the part prepayment amount using our Home Loan part pre-payment calculator.

Nil Foreclosure charges

You get the option to foreclose your Home Loan anytime during your loan tenure. Use our Home Loan foreclosure calculator for this purpose. Bajaj Finserv will not charge any foreclosure charges.

Flexi Scheme

FLEXI Loan Account is an Industry first facility extended by Bajaj Finserv. The advantage of the product is that you can pre-pay and drawdown money within the drop-line facility using a self-service process, which is easy and hassle-free. Once you avail the Flexi facility, you stand to benefit by saving interest cost by pre-paying any additional / idle funds that you may have, without any interest being levied on the part-paid amount.

Flexi Loans offers many benefits over an existing Term Loan:

  • You have the flexibility to pre-pay the loan with idle funds.
  • You can re-avail the pre-paid amount within the drop-line facility at any time within the loan tenor timeframe without any additional documentation.
  • You save on Interest costs – Interest is payable only on the utilized loan amount. There is no interest levied on the pre-paid amount.
  • Seamless, easy, hassle-free online transactions on the Bajaj internet portal– Experia, the self-service account access tool for drawdown and RTGS that allows you to make pre-payments to BFL through Net Banking facility.

3 EMI free Months

Bajaj Finserv focuses on the ease of repayment through multiple flexible options that make it easier for the customer to repay their loans. A 3 month EMI grace period will help manage/plan monthly expenses and give a cushion to the customer to plan his finances.

To know more, click here

Online Account Access

Once you’ve availed a Home Loan from Bajaj Finserv, you can get all information about your loan like payment schedule, interest certificate, repayment track and key information related to your loans through our Home Loan digital customer portal.

Customised Insurance Schemes

Group Credit Protection Plus from Bajaj Allianz

Non-Medical Loan & Life Insurance of up to Rs. 300 Lakh Level term Plan, which means you are covered for the complete amount despite reduction/prepayment of the loan amount. Coverage for the complete tenure of the loan up to a maximum of 30 years.

Bajaj Allianz SFSP Policy

Bajaj Allianz’ SFSP Policy offers a comprehensive insurance cover for your home (i.e. residential building) against various contingencies to ensure that your prized possession is always safe!

Star Health Package Policy

Bajaj Allianz Star Health Policy covers up to 5 Lakh and the benefits are payable for each day of hospitalization which gets doubled in case of ICU admission. Moreover, the premiums paid get income tax benefit up to Rs. 15,000.

Property Dossier

Property Dossier is another industry first value added service offered to Mortgage customers of Bajaj Finserv. Property Dossier is a customized report that guides the customer through all the legal and technical aspects of owning a property in a simple and crisp manner. It also covers general property knowledge tips as well as all macro factors like property index of the city, important property tips etc.

To know more, click here

Property Search Services

Searching for the perfect property is a task that requires guidance, at each step. We want to ensure that you get the best possible assistance right from search to purchase. Click here for details.

Interior Design Consultancy Services

At Bajaj Finance Limited, we understand your needs and are in the business of crafting only the finest products and services with you in mind. In pursuit of bettering our best, we’re delighted to announce yet another privilege for you with Interior Design Consultancy services – at half the cost, exclusively for our Home Loan customers. Refer features and benefits of our Home Loan interior design consultancy services.

For details about Home Loan agreements, terms and conditions or have any questions, you can refer to our Home Loan FAQs or can contact us at a nearest Bajaj Finance office.

Contact us

Not yet an existing customer?

You can visit our branch or call us at 1800 1033535 or SMS “HOME” 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 Finance Limited 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


Write to us at for all your queries.

SMS Updates

SMS  <<keyword below>> to +91 92275 64444
GETEMAIL for your current email address
UPDEMAIL <New email> to update your email address
GETADD for your current registered email address
CUSTID to know your customer ID
LAN to know your Loan Account Number
EMI LAN to know your loan/ EMI details
Customer Portal to know your Experia user ID and password
PIN to know your 4 digit EMI card PIN
FEEDBACK to give your valuable feedback
SAT Y to give a positive feedback
SAT N to give a negative feedback
(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


To know the address of your nearest branch Click here Visit

Log in using your Username/ Email ID/ Mobile number and Password

Access all your loan details

Manage your loans

View special offers

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.