A loan given against the mortgage of property is called Loan against Property. This is one of the cheapest retail loans after Home Loans.

Fees and Charges:

Bajaj Finserv offers attractive interest rates on Loan against Property with very nominal fees and charges. Read below for the details and feel free to use our Loan against Property EMI Calculator for further estimates, if needed.

Processing fees

Up to 2% of the loan amount

Loan statement charges


Interest & principle statement charges


PDC swap charges


EMI bounce charges

Rs.2500 for every bounce

Penal interest

2% p. m.

*Refer to Agreements and T&C.

*Note: Effective 1st June, 2016, part-prepayment charges and foreclosure charges will be applicable on Loan Against Property

*This will not apply for Loans in which all Borrowers are Individuals and the Loan is serviced at a Floating Rate of Interest.


Foreclosure Charges

Borrower Type: Interest Type

Time Period (Months)

Foreclosure charges

Individual: Floating rate



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


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’ll be surprised how easy it is to get a Durable Finance loan with Bajaj Finserv even if you’ve never used our services before. Just visit any of our 12000+ retail partner outlets across over 140 cities in the country and our in-store representative shall guide through the entire process.
Click here to find the nearest outlet in your city.

For existing customers

Follow these steps to use our toll free IVR:

  •  Dial 020 3957 5152 (call charges apply) (W.e.f. 2 May 2015)
  •  Enter your 7-digit BFL Customer ID
  •  Select from various IVR options
  •  Access IVR in 10 languages: English, Hindi, Bengali, Marathi, Punjabi, Gujarati, Tamil, Telugu, Kannada and Malayalam
  •  Access to all loan details


wecare@bajajfinserv.in 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
EXPERIA 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 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  to:

  • Change mode of payment (Swapping)
  • Purchase/cancel insurance policy
  • Foreclose loan
  • Claim refund

To know the address of your nearest branch Click Here.

Follow these simple steps to log on to our customer portal (Experia)

  • Visit www.bajajfinserv.in
  • Log in using your user ID and password
  • Access all loan details
  • Manage your loans
  • View special offers