Bajaj Finserv, India's most diversified NBFC, now offers housing loans at a low interest rate of 9.50% on online Home Loan and Balance Transfer from other banks for all salaried customers.

Home Loan: Features and Benefits

A Home Loan helps you to buy your dream home. Bajaj Finserv Home Loans are tailored for different house hunters. You can check your Home Loan eligibility online and also use the Home Loan EMI calculator to know how much EMI you will have to pay for your Home Loan. Apply for Home Loan online and get instant approval.

Home Loan +

A unique offering to 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 Finserv offer you an additional amount for Furnishings & Fixtures (subject to eligibility) exclusively for this purpose, making this the best home loan available on the market.

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, rather than on documents. Learn more about Home Loan eligibility and documents and Home Loan interest rates.

Home Loan Balance Transfer

If you’re unhappy with your current Home Loan plan, you can switch to Bajaj Finserv and avail of our numerous advantages like Online Application Process, Instant Online Approval, Minimum Documentation, Additional Top loan at attractive rates, No Hidden charges, Customised Insurance Schemes, and Online Account Access. We also offer facilities like NIL Part Pre-Payment charges, NIL Foreclosure charges, and 3 EMI Holiday.

The online Home Loan Balance Transfer from other banks can be disbursed in less than 4 days with minimal documentation.

Top-up Loans

If you opt for a Home Loan Balance Transfer at Bajaj Finserv, you can also get a Top-up Loan at a minimal rate of interest. This loan amount can be used as per your discretion, be it for a home improvement project or for a holiday.

Refinance

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

Part prepayment facility

You can prepay any amount. However, the prepayment transaction should not be less than the total amount of 3 EMIs. There is no limit on the maximum amount. This is subject to you 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 and calculate your savings instantly. The best part is that we don’t charge any Part Pre-payment penalty if you choose to avail of this facility.

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 Holiday

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 the information about your housing 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

Life insurance

HDFC Life Group Credit Protect Plus is a tailor made insurance policy, which protects the families of the insured members from the burden of repaying the outstanding loan to the financial institute in the event death or critical Illness

Individual Health
Guard
Complete Health Protection for an Individual. Get tax benefit.
Family Floater
Health Guard
Insure your family against expensive treatment costs. Get tax benefit.
Critical Illness Keep yourself covered in the hour of crisis against critical diseases.
Comprehensive Care
Plan
Cover as loan protection which might arise out of unfortunate incident such as critical illness, Accidental Injuries or loss of employment
My Home Complete security for your property and contents in a single policy.
Personal Accident Life is Uncertain, Your Future doesn't have to be. The accidental Death or injury of a breadwinner can create serious financial problems for the family. Our Personal accident insurance policy ensures total security and peace of mind.

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.

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 Finserv office.



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 wecare@bajajfinserv.in 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
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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.