Home loan for government employees: Features and benefits

Government applicants interested in availing a housing loan can read below points to know about the features of the Bajaj Finserv Home Loan.

  • Ample funding

    Ample funding

    Bajaj Finserv provides loan amounts as much as Rs. 15 Crore*, or higher to eligible candidates and even more, to boost your home buying journeys.

  • Easy refinancing

    Easy refinancing

    You can transfer your existing home loan balance to us and avail all the features and benefits we offer.

  • Zero prepayment charges

    Zero prepayment charges

    Enjoy nil part-prepayment or foreclosure charges on your home loan, making early repayment a lot more affordable.

  • Flexible tenor

    Flexible tenor

    Access a flexible repayment period of up to 30 years and keep home loan EMIs within your budget all through.

  • Minimal paperwork

    Minimal paperwork

    The required documents for home loan application are simple and make loan processing a lot quicker

  • Easy account management

    Easy account management

    Using our online customer portal, you can access your loan account at any time and from anywhere.

Home loan for government employees

The Bajaj Finserv Limited Home Loan For Government Employees is an instrument that is designed to complement your funding needs. It offers a high-value sanction that enables you to easily purchase or build the home of your dreams, or even renovate an existing one without compromises.

The loan comes with a flexible tenor of up to 30 years and has an attractive rate of interest. Combined, these two features help you keep costs in check with ease. You also get access to the home loan calculator, which is a free-to-use online tool that helps you plan your loan better. Use it when comparing loan offers and when identifying loan terms that best suit your finances.

Eligibility criteria for government employees

With our home loan eligibility calculator, all you have to do is fill in basic personal details and you can find out if you qualify for the loan. To know the criteria you need to meet, read on.

  • Nationality



  • Age


    23 years to 62 years for salaried individuals

  • Employment status

    Employment status

    At least 3 years of experience

  • CIBIL score

    CIBIL score

    750 or higher

*Please note that the list of eligibility mentioned is indicative. Terms and conditions apply.

*Conditions apply

Read about the complete fees and charges applicable on the home loan and plan repayment with ease.

How to apply for a home loan for government employees

To get started, you need only fill the online application form. Here is a step-by-step guide to follow.

  1. 1 Go to the website and click on ‘Apply Online’
  2. 2 Input basic personal details and enter the OTP
  3. 3 Use the online calculator to decide on the ideal loan amount and tenor
  4. 4 Fill in your personal, employment, property, and financial details

Once you complete this form, an authorised representative will contact you with further instructions.