Home loan for women
The Bajaj Finance Home Loan for women is a financial option that helps you realise your dream of being a homeowner. It is easy to access due to its relaxed and minimal requirements and you can apply for it online. What’s more, the loan offers an ample sanction at a flexible tenor and has an attractive interest rate to help keep your costs low.
In India, several government initiatives and private lending institutions actively encourage women’s homeownership through dedicated housing schemes. These initiatives often provide benefits such as lower interest rates, reduced stamp duty, and enhanced loan eligibility. Bajaj Finance supports this vision by offering women-friendly loan features that make it easier to buy or build a home with financial confidence and independence.
To find the ideal loan terms for yourself, use our online home loan EMI calculator. This free tool allows you to calculate the interest and EMIs payable for different loan particulars, instantly and accurately.
Features and benefits
Following are the features and benefits of home loan for women
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Reasonable rate of interest
Starting from 7.45%* p.a, Bajaj Finserv offers applicants an affordable home loan option to fit their finances.
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Speedy disbursal
No more long waits for loan amounts with Bajaj Finserv. Find your sanction amount in your bank account in just 48* hours from approval.
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Ample sanction amount
Bajaj Finserv provides loan amounts as much as Rs. 15 Crore* to eligible candidates and even more, to boost your home buying journeys.
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5000+ project approved
Find over 5000+ choices in approved projects and enjoy better home loan terms from Bajaj Finserv.
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External benchmark linked loans
By opting for the Bajaj Finserv Home Loan linked to an external benchmark, applicants can enjoy reduced EMIs along with favourable market conditions.
Check your home loan eligibility today. You may already be eligible, find out by entering your mobile number and OTP.
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Digital monitoring
Now keep a close eye on all your loan developments and EMI schedules through the Bajaj Finserv online platform.
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Long tenor stretch
The Bajaj Finserv home loan tenor stretches up to 32 years allowing borrowers a buffer period to plan out their EMI payments.
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Zero contact loans
Experience a truly remote home loan application from anywhere in India by applying Bajaj Finserv online home loans and getting an easy approval.
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No prepayment and foreclosure charge
Bajaj Finserv allows you to foreclose the loan or make part-prepayments at no extra costs or prepayment penalty – making way for maximum savings.
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Loan subsidies
Avail of the loan subsidies offered under the PMAY scheme, with Bajaj Finserv. Approach us for updated terms and best home loan deals.
Home loan for women
The Bajaj Housing Finance Limited Home Loan for Women is a financial tool that helps you realise your dream of being a homeowner. It is easy to access due to its relaxed and minimal requirements and you can apply for it online. What’s more, the loan offers an ample sanction at a flexible tenor and has an attractive interest rate to help keep your costs low.
To find the ideal loan terms for yourself, use our online home loan EMI calculator. This free tool allows you to calculate the interest and EMIs payable for different loan particulars, instantly and accurately.
Home loan for women: Eligibility criteria
To find out if you qualify for funding quickly, use our home loan eligibility calculator. It is a simple tool, and you only need to fill in basic personal details to know how much you are eligible for. to know more about our eligibility criteria, read on.*
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Nationality
Indian
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Age
23 years to 67 years* for salaried individuals
23 years to 70 years* for self-employed borrowers -
Employment status
At least 3 years of experience for salaried individuals
At least 5 years of business continuity for self-employed individuals -
CIBIL score
Check your CIBIL Score for FREEMust have a CIBIL Score of 725 or higher
*Please note that the list of eligibility terms mentioned is indicative. Terms and conditions apply.
Home loan interest rate for women
The housing loan interest rate we offer is competitive and allows you to maintain a cost-effective interest outgo throughout the tenure.
Loan type |
Home loan |
Interest Rate Type |
Floating |
For salaried applicants |
|
For self-employed applicants |
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These competitive interest rates make homeownership more accessible for women across India. Starting from 7.45%* p.a for salaried applicants, you can secure affordable monthly payments that fit your budget. Check your pre-approved home loan offers from Bajaj Finserv that match your financial profile. You may already be eligible, find out by entering your mobile number and OTP.
* The values in tables are subjected to change. To check the latest applicable interest rates click here.
How to apply for home loan for women
To apply, fill the online application form by entering basic information. Here is a step-by-step guide to simplify the process.
- 1 Go to the website and click on ‘Apply Now’
- 2 Input basic personal details and enter the OTP
- 3 Use the EMI calculator to settle on the ideal loan amount and tenor
- 4 Fill in your personal, employment, property, and financial details
Once you complete this form, our authorised representative will contact you and guide you with loan processing.
*Conditions apply
Home loan for women FAQs
The amount of a home loan a woman can get depends on several factors, including her income, creditworthiness, and the lending institution's policies. Bajaj Finance offers home loan up to Rs. 15 Crore*.
Yes, unmarried individuals, including unmarried girls, can absolutely apply for and obtain home loans. Being unmarried does not disqualify anyone from being eligible for a home loan. Lenders primarily assess applicants based on their financial stability, creditworthiness, and ability to repay the loan.
Homeownership provides stability, financial security, and a sense of accomplishment. With a home loan, women can invest in their future, build equity, and create a space to call their own, fostering independence and empowerment.
While some lenders may offer preferential rates or incentives for women borrowers, this practice varies and is not guaranteed. It is essential to compare rates and terms from multiple lenders to find the best deal.
Several financial institutions, including Bajaj Finserv, offer specially designed home loans for women. These loans typically feature lower interest rates, reduced stamp duty, flexible repayment terms, and priority processing for first-time homebuyers. They aim to promote women’s financial independence by providing ample loan amounts, long repayment tenures, and affordable EMIs tailored to diverse financial situations.
Yes, most lenders provide special interest rate concessions for women borrowers, usually ranging between 0.05% and 0.1% lower than regular rates. In addition, some states offer reduced stamp duty on properties registered in a woman’s name. At Bajaj Finserv, salaried applicants can enjoy interest rates starting from 7.45%* p.a, making monthly EMIs more affordable.
For a home loan of Rs. 20 lakh from Bajaj Finserv with a tenure of 20 years and an average interest rate of 8.0% per annum, the monthly EMI works out to approximately Rs. 16,729. The actual EMI depends on factors like loan amount, tenure, and applicable charges. Use the Bajaj Finserv EMI Calculator to get an exact estimate based on your chosen loan terms.
The “PM Modi loan for ladies” generally refers to government initiatives like the Pradhan Mantri Awas Yojana (PMAY), aimed at improving housing affordability for women. Under this scheme, female applicants or co-owners receive priority consideration, interest subsidies, and access to concessional loans. Bajaj Finserv assists eligible women applicants in availing themselves of PMAY-linked benefits for easier and more affordable home ownership.
