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.

  • Loan of Rs.

    Loan of Rs. 15 Crore*

    Buying a home is one of the biggest milestones. Achieve it with a sizeable loan amount of Rs. 15 Crore*.

  • Low interest rates

    Low interest rates

    With our loan interest rates starting at 8.45%* p.a., pay EMIs as low as Rs. 729/lakh*.

  • Approval in

    Approval in 48 Hours*

    Your loan application will be approved within 48 Hours* of your application, in some cases, even earlier.

  • Tenure of up to %$$HL-Tenor$$%

    Tenure of up to 40 years

    Pay back your loan comfortably with our long repayment tenure ranging up to 40 years.

  • No foreclosure fee for individuals

    No foreclosure fee for individuals

    Individual borrowers who choose a floating interest rate can foreclose the entire amount or prepay a part of the loan without paying an additional fee.

  • Hassle-free application

    Hassle-free application

    Our doorstep document pick-up service helps to skip numerous branch visits and enables an easy application process.

  • Balance Transfer facility

    Balance Transfer facility

    Benefit from our home loan balance transfer facility and be eligible for a top-up loan of up to Rs. 1 Crore*.

  • 5000+ approved projects

    5000+ approved projects

    Choose from our 5000+ approved projects to avail of a quick loan.

  • Externally benchmarked interest rates

    Externally benchmarked interest rates

    You can opt for interest rates linked to an external benchmark, such as the Repo Rate to benefit during favourable market conditions.

  • *Terms and conditions apply

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Eligibility criteria and documents required

Anyone 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: A salaried applicant must be between 23 years to 62 years, and a self-employed professional must be between 25 years to 70 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.
  • Occupation: Salaried, self-employed professionals like doctors and self-employed non-professionals are eligible to apply.

Documents required:

  • 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

Note: This is an indicative list that may change based on your actual loan application.

How to apply for a home loan

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Step-by-step guide to applying for a home loan

  1. Click on the 'APPLY' button on this page.
  2. Enter your full name, mobile number, and employment type.
  3. Now select the type of loan you wish to apply for.
  4. Generate and submit your OTP to verify your phone number.
  5. Upon OTP verification, enter additional details like your monthly income, required loan amount, and if you have identified the property.
  6. In the next steps, enter your date of birth, PAN number and other details as requested depending on your selected occupation type.
  7. Click on the ‘SUBMIT’ button.

That is it! Your application is submitted. Our representative will connect with you and guide you through the next steps.

  • Did you know?

    You can avail of tax benefits on your home loan that can help you save on taxes.

  • Did you know?

    You can transfer your home loan to another lender and get a top-up loan without any end use restrictions.

  • Did you know?

    You can calulate your home loan EMIs using our EMI calculator.

  • Did you know?

    A CIBIL Score of 750 or above will help you get better home loan interest rate.

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.

9.10%* to 15.00%* p.a.

8.60%* 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

For loan amounts from Rs. 15,00,001 to Rs. 30,00,000: Rs. 1,000

For loan amounts from Rs. 30,00,001 to Rs. 50,00,000: Rs. 1,500

For loan amounts from Rs. 50,00,001 to Rs. 1,00,00,000: Rs. 2,000

For loan amounts from Rs. 1,00,00,001 to Rs. 5,00,00,000: Rs. 3,000

For loan amounts from Rs. 5,00,00,001 to Rs. 10,00,00,000: Rs. 5,000

For loan amounts more than Rs. 10 crores: Rs. 10,000

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


Part-prepayment charges


Foreclosure charges


Loan statement charges

Up to Rs. 500 + GST as applicable

Still haven’t found what you are looking for? Click on any of the links at the top of this page.

Frequently asked questions

What is a home loan?

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.

What is the maximum home loan that I can get?

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 your age, income profile, CIBIL Score, and among other criteria.

What documents do salaried professionals require for a home loan application?

Salaried professionals applying for a fresh home loan with Bajaj Finserv, must have the listed documents:

  • KYC documents (identity and address proof)
  • Proof of income (salary slips)
  • Account statements for the last 6 months
What documents do self-employed individuals require for a home loan application?

Self-employed individuals applying for a fresh home loan from Bajaj Finserv, must have the listed documents:

  • KYC documents (identity and address proof)
  • Proof of income (P&L statement)
  • Proof of business
  • Last 6 months' account statements, etc.
How long does it take to get a home loan sanction from Bajaj Finserv?

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

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