Features and benefits of our home loan

Home Loan - Features and benefits
Our Home Loan offers a sizeable loan and competitive interest rates. Know other benefits.
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Loan amount of Rs. 15 Crore*
Buy your dream home and secure your future. Avail of a sizeable loan of Rs. 15 Crore*.
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Low interest rates
Salaried professionals can avail of the loan at low interest rates starting at 8.45%* p.a. Pay EMIs as low as Rs. 729/lakh*.
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Approval in 48 Hours*
Your loan will be approved within the next 48 Hours* or earlier in some cases, after your application submission.
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Tenure of up to 40 years
Benefit from our long repayment tenure of up to 40 years and repay comfortably.
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Hassle-free application
Skip numerous branch visits by opting for our doorstep document pick-up service and experience a comfortable application process.
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No foreclosure fee*
Salaried individuals who choose floating interest rates can prepay a part of their loan or foreclose the entire loan without paying an additional fee.
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Balance Transfer
Use our home loan balance transfer facility and qualify for a top-up loan of up to Rs. 1 Crore*.
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5000+ approved projects
Choose from our 5000+ approved projects to avail of a quick loan.
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Externally benchmarked interest rates
You can choose to link your interest rate to an external benchmark, such as the Repo Rate. This benefits you during favourable market trends.
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*Terms and conditions apply
Eligibility criteria and documents required
A salaried professional can apply for our home loan as long as they meet the criteria mentioned below.
Eligibility criteria
- Nationality: You must be an Indian citizen residing in India.
- Age: You must be between the age of 23 years to 62 years.
*The upper age limit is considered as the age at the time of loan maturity. - CIBIL Score: A CIBIL Score of 750 or higher is ideal to get a home loan.
- Employment status: As a salaried applicant, you must be employed with a stable income source from a public or a private company with a minimum of 3 years of work experience.
Documents required:
- KYC documents (identity and address proof)
- Proof of income (latest salary slips), and
- Account statements for the last 6 months
Note: This is an indicative list that may change based on your actual loan application.
How to apply for a home loan

Applicable fees and charges
We advise you to read about our fees and charges thoroughly before applying.
Type of fee |
Applicable charges |
Rate of interest |
8.45%* to 14.00%* p.a. |
Processing fees |
Up to 7% of the loan amount |
Bounce charges |
For loan amounts up to Rs. 15 lakhs: Rs. 500 |
Penal interest |
Up to 24% per annum in addition to the applicable interest rate on the overdue amount. |
Secure fee |
Up to Rs. 10,000 + GST as applicable |
Interest and principal statement charges |
NIL |
Part-prepayment charges** |
NIL |
Foreclosure Charges |
NIL |
Hard Copy Loan Statement Charges |
Up to Rs. 500 per request + GST as applicable |
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Frequently asked questions
A home loan is a credit borrowed from a financial institution to buy a home. The loan is given at an interest rate depending on your profile. While taking the loan, you choose a repayment period to pay back the amount (principal) and interest in equated monthly instalments (EMIs). You can either choose a fixed interest rate or a floating interest rate.
You can easily get a home loan of Rs. 15 Crore* or even higher from Bajaj Finserv if you meet our eligibility criteria. The sanctioned loan amount depends upon essential factors like age, income profile, CIBIL Score, and among other criteria.
Salaried professionals are eligible for a home loan provided they are resident Indian citizens between the age of 23 years to 62 years. They should have a stable income source from a public or a private company with a minimum work experience of 3 years.
A salaried individual applying for a fresh home loan with Bajaj Finserv must have the listed documents:
- KYC documents (address and identity proof)
- Proof of income (6 months’ salary slips)
- Last 6 months' account statements
Once you have submitted all the essential documents, the loan amount will be approved within 48 Hours*. In some cases, it can get sanctioned even earlier.
* Terms and conditions apply