Ganesh Chaturthi is a time of new beginnings, prosperity, and growth. For many Indians, this festive season is the perfect occasion to invest in their dream home. To make this dream a reality, Bajaj Finserv is offering exclusive Ganesh Chaturthi home loan offers in 2025. With competitive interest rates starting at 7.49%* p.a, quick approvals, and flexible repayment options, this is a golden opportunity for first-time homebuyers and seasoned investors alike.
In this article, we will explore the benefits of Bajaj Finserv Home Loan’s festive offers, the application process, and tips to maximise your savings during this auspicious period.
What is a home loan and how does it work?
A home loan is a financial product that helps individuals purchase or construct a house by borrowing funds from a lender. The borrower repays the loan amount, known as the principal, along with an interest rate, through monthly instalments called EMIs (Equated Monthly Instalments).
Here is a simple breakdown of the key terms:
- Principal: The loan amount borrowed from the lender.
- Interest Rate: The percentage charged by the lender on the borrowed amount.
- EMI: A fixed monthly payment combining the principal and interest.
- Tenure: The loan repayment period, typically ranging till 32 years.
For example, if you take a Rs. 50 lakh home loan for a tenure of 20 years at an interest rate of 7.49%* p.a, your EMI will be approximately Rs. 39,000.
Bajaj Finserv Home Loan simplifies the borrowing process with competitive rates, flexible terms, and transparent policies, ensuring a seamless experience for homebuyers. Get started by entering your mobile number and OTP to check your home loan offer instantly.
What is the Ganesh Chaturthi home loan offer from Bajaj Finserv?
Bajaj Finserv is celebrating Ganesh Chaturthi 2025 with exclusive home loan offers tailored to meet your financial needs. Here are the highlights of the festive offer:
- Interest rates starting at 7.49%* p.a.
- Minimal processing fees to reduce upfront costs.
- Quick approval within 24 hours, ensuring a hassle-free experience.
- Flexible repayment tenure of up to 32 years.
- Home loan balance transfer options to reduce your existing EMI burden.
- Top-up loans for additional financial needs, such as home renovation or furnishing.
These offers are designed to make homeownership affordable and accessible during the festive season. Check your loan offer instantly by entering your mobile number and completing the OTP-verification.
Why is Ganesh Chaturthi the perfect time to apply for a home loan?
Ganesh Chaturthi is not just a festival; it is a time to symbolise prosperity, success, and new beginnings. Many Indians consider this period to be auspicious for making significant financial decisions, including purchasing a home.
Lenders, including NBFCs like Bajaj Finserv, offer special discounts and benefits during this festive season to encourage homebuyers. These offers often include reduced interest rates, waived processing fees, and added perks, making it a financially advantageous time to apply for a home loan.
Top benefits of buying a home during Ganesh Chaturthi
Purchasing a home during Ganesh Chaturthi comes with several advantages, including:
- Festive discounts from builders: Many real estate developers offer festive season discounts, such as reduced property prices or free modular kitchen installations.
- Tax benefits: Home loans are eligible for tax deductions under Section 80C (principal repayment) and Section 24(b) (interest repayment) of the Income Tax Act.
- Waived fees: Some lenders waive off fees like stamp duty or registration charges during the festive period.
- Cultural significance: Investing in a home during Ganesh Chaturthi aligns with the spirit of prosperity and growth.
Key benefits of choosing Bajaj Finserv Home Loan this Ganesh Chaturthi
When you opt for a Bajaj Finserv Home Loan during Ganesh Chaturthi, you unlock a host of benefits that make the home-buying process seamless and affordable:
- Competitive interest rates: Starting at 7.49%* p.a, Bajaj Finserv offers one of the most attractive rates in the market.
- Flexible repayment options: Choose a tenure of up to 32 years to manage your EMIs comfortably.
- Pre-approved offers: Existing Bajaj Finserv customers can access pre-approved loan offers for faster processing.
- Transparent fees: All applicable charges, such as processing fees and foreclosure fees, are clearly outlined, ensuring no surprises.
- Digital convenience: Manage your loan 24x7 through the ‘My Account’ portal, where you can track payments, download statements, and more.
Who can apply? Eligibility criteria for Bajaj Finserv Home Loan
The eligibility criteria for Bajaj Finserv Home Loan are straightforward:
- Age:
- Salaried individuals: 23–62 years
- Self-employed professionals: 25–70 years
- Income: A stable income source is mandatory.
- Credit score: A CIBIL score of 725 or higher is required.
- Residency: Applicants must be Indian residents.
Additionally, you will need to provide the following documents:
- KYC papers: Aadhaar card, PAN card, or passport.
- Proof of income: Salary slips, bank statements, or ITR filings.
- Property documents: Sale agreement or property ownership proof.
How to apply for the Bajaj Finserv Ganesh Chaturthi home loan offer
Applying for a Bajaj Finserv Home Loan is quick and easy. Follow these steps:
- Visit the Bajaj Finserv website: Navigate to the home loan section.
- Check your eligibility: Use the online eligibility calculator to determine your loan amount.
- Fill out the application form: Provide your personal, financial, and property details.
- Upload documents: Submit the required documents for verification.
- Get approval: Receive loan approval within 24 hours.
- Disbursement: Once approved, the loan amount will be credited to your account.
Tips to maximise your benefits this Ganesh Chaturthi
To make the most of the Ganesh Chaturthi home loan offers, follow these tips:
- Check your CIBIL score: Ensure your credit score is 725 or higher to qualify for the best interest rates.
- Compare tenure options: Choose a repayment tenure that balances your EMI affordability and total interest outgo.
- Opt for a balance transfer: If you have an existing home loan, transfer it to Bajaj Finserv to enjoy lower interest rates and better terms.
- Plan your documentation: Keep all required documents ready to expedite the approval process.
Final thoughts: Make your dream home a reality this Ganesh Chaturthi
Ganesh Chaturthi is the ideal time to take a step towards homeownership, and Bajaj Finserv’s exclusive festive offers make it easier than ever. With competitive interest rates, flexible terms, and quick approvals, you can turn your dream of owning a home into a reality.
Do not miss out on this limited-time opportunity—apply for the Bajaj Finserv Ganesh Chaturthi Home Loan offer today and embark on a journey of prosperity and happiness.
