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Home Loan in Pune: Overview

Living in Pune, the second largest city of Maharashtra, offers lucrative job opportunities courtesy of the widespread presence of the IT industry. In addition, it boasts of a pleasant climate all year round, as well as a plethora of educational institutions.

As a result of all these factors and the rising price of real estate in Pune, owning a home may seem challenging. However, with Bajaj Finserv’s Home Loan you have nothing to worry about. You can buy a home of your choice using the Bajaj Finserv Home Loan in Pune.

Features & Benefits

  • PMAY

    Pradhan Mantri Awas Yojana’s CLSS makes buying a home affordable. Bajaj Finserv allows you to club PMAY subsidy along with its excellent features for maximum benefits. You can get an interest rate as low as 6.70%* and save up to Rs.2.67 lakh.

  • mortgage loan in india

    Home Loan Balance Transfer

    To enjoy a low interest rate, you can transfer your home loan balance to Bajaj Finserv. Quick processing and minimal documentation make this transition seamless.

  • Top-up Loan

    You can get a top-up loan of up to Rs.50 lakh over and above your existing Bajaj Finserv Home Loan at a reasonable interest rate. This allows you to attend to any additional funding requirements that you may have without worrying about repayment.

  • Part-prepayment and Foreclosure Facility

    As and when you come across surplus funds, you can part-prepay your loan’s principal to lower your total loan expenditure. Bajaj Finserv allows you to part-prepay or foreclose your loan at nil extra charge so that you can save more.

  • Flexible Tenor

    You can choose a home loan tenor as per your repayment capabilities. With a window of up to 20 years, you can repay the loan quickly via a short tenor or opt for a long tenor to keep EMIs to a minimum.

  • Padho Pardesh Scheme

    Minimal Documentation

    Bajaj Finserv has a short list of documents required for home loan which makes for faster processing. You only have to submit KYC documents, address proof, identity proof, business proof (if applicable) and financial documents.

Home Loan Interest Rate, Fees & Charges

The housing loan interest rate has a direct bearing on the affordability of the loan, which is why Bajaj Finserv offers some of the most competitive home loan interest rates in the market. You can club this with the tax benefits offered by the various sections of the IT Act to maximise your savings.

Here is a table that summarises the interest rates, fees, and charges that you have to pay when you take a Bajaj Finserv Home Loan in Pune.

Interest rate/fee Amount applicable
Home loan interest rate 6.70%* to 10.30% for salaried individuals and 6.70%* to 11.15% for self-employed individuals
Bajaj Finance Limited floating reference rate 20.90% for salaried and self-employed applicants
Promotional interest rate From 6.70%* for a loan up to Rs.30 lakh for salaried individuals
Processing fees (for salaried individuals) Up to 0.80%
Processing fees (for self-employed individuals) Up to 1.20%
Penal interest 2% per month+ applicable taxes
One-time secure fee Rs.9,999
Non-refundable mortgage origination fee Rs.1,999
Loan statement charges Rs.50
EMI bounce charges Rs.3,000
Principal and interest statement charges NIL

For a complete list of fees and charges, please click here

Home Loan Eligibility Criteria

Bajaj Finserv has simple eligibility criteria that are easy to meet. If you are an Indian national who has a good financial profile, then you are eligible for a Bajaj Finserv Home Loan in Pune if you satisfy the following criteria.

Criteria Salaried applicant Self-employed applicant
Age 23 to 62 years 25 to 70 years
Minimum work experience/ business continuity 3 years 5 years
Residency Indian Indian

You can check your eligibility with our easy to use home loan eligibility calculator.

Calculate Home Loan EMI

Bajaj Finserv makes it extremely easy for you to calculate EMIs with the help of a home loan EMI calculator. By entering the loan amount, tenor and interest rate, you can view the EMI, total interest due and total amount payable in seconds. The best part is that you can keep changing the input values until you arrive at an affordable loan structure.

Documents Required for Home Loan

Before filling a home loan form, gather the required documents to make application swift and simple. When you apply for a Bajaj Finserv Home Loan in Pune, here are the documents that you should have handy.

  • KYC documents
  • Address and identity proof
  • Salary slips/ Form 16
  • Bank statements of the past 6 months
  • Proof of business continuity for a minimum of 5 years (only if you are self-employed)
  • Photograph

How to Apply for Home Loan

To apply online, follow these steps.


  • Fill the application form with personal, financial, employment details, as well as property information
  • You can book an available offer by paying the secure fee online. The relationship manager will then get in touch with you
  • After paying the fees, submit the required documents by scanning and uploading them online

To apply offline, follow these steps.

  • For a Bajaj Finserv executive to contact you with further details, send ‘HLCI’ as an SMS to 9773633633
  • Alternatively, visit a Bajaj Finserv branch to apply for a Home Loan in Pune

To further expedite the loan application process, check pre-approved home loan offer by entering a few basic details such as your name and contact number. It’s the quickest and simplest way to secure financing to become a homeowner in Pune.

Contact Us

New and existing customers can contact with Bajaj Finserv customer care for all queries related to our home loans.

1. For new customers

  • we have a calling line set up at 1800-103-3535
  • You can also visit any of our branches.
  • just SMS "HOME" to 9773633633 and our representative shall get back to you.

2. For existing customers,

Branch Address

Bajaj Finserv
6th Floor, 'Bajaj Brand View', Cts 12b+31, Pune Mumbai Road
Pune, Maharashtra
Phone: 20 3098 8700

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