2 min
10 September 2025

Owning a home in Vadodara is now easier than ever with Bajaj Finserv Home Loans. Whether you’re planning to buy a stylish flat in the city centre or a comfortable family home in a quiet neighbourhood, Bajaj Finserv offers flexible loan options that suit both salaried and self-employed applicants. With customised solutions, you can finance your dream property without unnecessary delays or stress.

The process is designed to be simple and convenient, with online applications, minimal paperwork, and expert support available at every step. From loan approval to quick disbursal of funds, Bajaj Finserv ensures that your home-buying journey is smooth and efficient. Turn your plans into reality with a trusted home loan option in Vadodara.

Home loan from Bajaj Finance in Vadodara

Vadodara is Gujarat’s third-largest city and hosts several large-scale industries, public and private sector enterprises. Some of its most popular industries include engineering, petrochemicals, information technology, etc. Fulfil your housing requirements in the thriving city of Vadodara with a home loan from Bajaj Finserv. Check your eligibility now by entering your mobile phone number and OTP.

Interest rates for home loan in Vadodara

Get a Bajaj Finserv Home Loan at attractive rates. We maintain transparency when levying additional charges for a hassle-free borrowing experience. Choose between fixed and floating interest rates, per your convenience.

Applicant type

Home loan interest rates in Gurgaon

Salaried applicant

Starting at 7.45%* p.a*

Self-employed applicant

Starting at 7.85%* p.a.*


*Terms and conditions apply

Features and benefits of a home loan in Vadodara

Residents of Vadodara can purchase their dream house by applying for a home loan from Bajaj Finserv. Here are the benefits of availing of a home loan from Bajaj Finserv.

  • Pradhan Mantri Awas Yojana

    Pradhan Mantri Awas Yojana

    Get a home loan under Pradhan Mantri Awas Yojana and save up to Rs. 2.67 lakh on interest.

  • Simple documentation

    Simple documentation

    You only need to submit very few documents required for home loan, which helps to accelerate the processing and approval time.

  • Tenor up to 32 years*

    Tenor up to 32 years*

    Easily repay a home loan with an extended tenor. Select the perfect tenor using a home loan EMI calculator.

  • Home loan balance transfer

    Home loan balance transfer

    Lower your existing home loan interest rate when you transfer home loan balance and repay your debt with ease.

  • Top up loan

    Top up loan

    Meet additional financial requirements with a top-up loan of up to Rs 1 crore without any extra documentation.

  • Foreclosure and part-prepayment

    Foreclosure and part-prepayment

    Close home loan account before the scheduled tenor through foreclosure or use part-prepayment facility to lower repayment burden at no additional cost.

Eligibility criteria for home loan in Vadodara

Criteria

Self-employed

Salaried

Age (in years)

23 years - 70 years

23 years - 67 years

CIBIL score

725

725

Residency

Indian

Indian

Monthly income

Should show a steady source of income for at least 5 years

  • Under the age of 37 years: Rs. 30,000
  • 37-45 years: Rs. 40,000
  • 3. Above 45 years: Rs. 50,000

Work experience/ business continuity (in years)

5 years

3 years

Meet the eligibility criteria to enjoy lowest interest rates and comfortable loan terms. Check your credit score before applying to that end.

Classification of self employed

Category

Eligibility criteria

Minimum salary (for salaried applicants)

To apply for a home loan from Bajaj Finserv, an individual who is in salaried employment must have a steady monthly income. The minimum earning required is Rs. 10,000 per month. This ensures that the applicant has a consistent financial inflow and the capacity to manage regular loan repayments without difficulty.

Minimum business income (for self-employed applicants)

For individuals running their own business or working as professionals, the minimum income requirement is Rs. 2,00,000 per year. This annual threshold confirms the borrower’s financial stability and helps lenders evaluate repayment ability effectively.

 

Documents required for home loan in Vadodara

  • KYC documents (identity and address proof)
  • Proof of income (salary slips or P&L statement)
  • Proof of business (for self-employed applicants), and
  • Account statements for the last 6 months

How to apply for a home loan online in Vadodara

  • Click on the ‘Apply Online’ option available on this page.
  • Provide your name, mobile number, and type of employment.
  • Select the kind of loan you wish to apply for.
  • Enter the OTP sent to your phone to complete verification.
  • Fill in details such as income, desired loan amount, and property information if available.
  • Share your date of birth, PAN, and any additional information as per your profession.
  • Submit the form by clicking ‘Submit’.
  • Once done, a Bajaj Finserv representative will reach out to guide you through the next steps.

It is as simple as that! Ready to apply? To start, check your eligibility now by entering your mobile phone number and verifying it with an OTP.

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Popular calculators for your financial calculations

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Home Loan Prepayment Calculator

 

 

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Home loan options for different budgets

Rs. 30 Lakh Home Loan

Rs. 20 Lakh Home Loan

Rs. 40 Lakh Home Loan

Rs. 60 Lakh Home Loan

Rs. 50 Lakh Home Loan

Rs. 15 Lakh Home Loan

Rs. 25 Lakh Home Loan

Rs. 1 Crore Lakh Home Loan

Rs. 10 Lakh Home Loan

 

Important links: What is Home Loan | Home Loan Eligibility Criteria | Joint Home Loan | Home Loan Tax Benefits | Home Loan Subsidy | Rural Home Loans | Home Loan Process | Down Payment for Home Loan | Pre-approved Home Loan | Rural Home Loan | Home Loan Tenure

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Frequently asked questions

How long does it take to get a home loan in Vadodara?

With Bajaj Finserv, the home loan process in Vadodara is quick and efficient. Once your application and documents are reviewed, the funds are generally approved and disbursed within 48 hours*. The streamlined system, supported by minimal paperwork and dedicated assistance, ensures you can move ahead with your property purchase without unnecessary delays.

What are the documents required to apply for a housing loan in Vadodara?

To apply for a Bajaj Finserv Home Loan in Vadodara, you will need documents such as KYC proof (Aadhaar, Passport, or Voter ID), PAN or Form 60, salary slips for salaried individuals, profit and loss statements for self-employed professionals, recent bank account statements, income proof, and a passport-sized photograph. Depending on your profile, additional documents may also be requested during processing to ensure smooth approval.

What is the maximum home loan amount you can avail of in Vadodara?

Eligible applicants in Vadodara can avail of a home loan of up to Rs. 15 Crore** with Bajaj Finserv. The approved loan amount depends on multiple factors such as your income, age, credit history, and property details. With flexible eligibility terms, Bajaj Finserv ensures you can access the right funding to purchase your dream property in Vadodara with ease. Check your loan offers now by entering your mobile number and OTP.

What is the required age limit to get a home loan in Vadodara?

For a Bajaj Finserv Home Loan in Vadodara, salaried applicants should be between 23 and 67 years of age, while self-employed individuals must fall between 23 and 70 years. The upper age is calculated at loan maturity, which means applicants should be within these ranges by the time the repayment term ends. Age requirements may also vary based on property or profile assessments.    

Can I get a Housing Loan in Vadodara if my salary is Rs.30,000?

Yes, applicants earning Rs.30,000 a month can apply for a Bajaj Finserv home loan in Vadodara. The actual loan amount you qualify for depends on your overall eligibility, including income stability, obligations, and credit profile. You can use the Bajaj Finserv eligibility calculator online to estimate the funding you are likely to receive based on your income and repayment capacity.

What is the repayment tenure for a home loan in Vadodara?

Bajaj Finserv offers flexible repayment terms of up to 32 years for home loans in Vadodara. This long repayment window allows you to plan EMIs according to your budget and financial goals. By choosing a suitable tenure, you can comfortably manage repayments while ensuring financial stability. Bajaj Finserv also provides tools to help you estimate EMIs in advance for better planning. Get started today – check your offers by entering your mobile number and OTP.

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