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Housing Loan in Vadodara: Overview

Vadodara in Gujarat is located 141 km from Gandhinagar and is the administrative headquarter of the district. With a population of 1.82 million, the city is progressive in art, culture, sports and tourism. Vadodara is a major educational and industrial centre in western India with industries including chemicals, engineering, plastics, petrochemicals, foreign exchange, and Information Technology.

Finance the purchase of your house with the best home loan in Vadodara from Bajaj Finserv. Take up to Rs.3.5 crore at affordable interest rates and enjoy maximum benefits.

Vadodara Home Loan: Features and Benefits

  • PMAY

    If you are a first-time homebuyer, apply for a home loan under the Pradhan Mantri Awas Yojana scheme. Enjoy savings up to Rs.2.67 lakh with a subsidised interest rate of 6.93%*. Lower your loan EMIs easily with assistance from the PMAY scheme.

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    Home Loan Balance Transfer

    Quickly transfer home loan balance with a only few documents and pay low interests with Bajaj Finserv. Also, avail high-value top-ups at nominal interests to address your personal needs adequately.

  • Top-Up Loan

    Choose to borrow a home top up loan of up to Rs.50 lakh when you avail the balance transfer facility. Expend the funds for any purpose without restrictions. Repay with an affordable interest rate over a flexible tenor.

  • Part-Prepayment and Foreclosure Facility

    Both part-prepayment and foreclosure facilities are available on home loans at zero charges.

  • Flexible Tenor

    Assess your financial plans and select a tenor of up to 240 months for convenient repayment of home loan in Vadodara.

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    Minimal Documentation

    Complete the application process with minimum documents required for a home loan.

Home Loan Eligibility Criteria

Know the home loan eligibility parameters and avoid any chances of loan rejection.


Eligibility Criteria Details
Age (for salaried 23 to 62 years
Age (for self-employed) 25 to 70 years
Business vintage At least 5 years
Work experience Minimum 3 years
Nationality Indian (resident)

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

Calculate Home Loan EMI

Better assessment and proper planning always make for stable finances. Use the Bajaj Finserv Home Loan EMI Calculator to know your interest payable, EMIs and the total cost of the loan before applying. The online tool functions on a mathematical formula and requires zero manual calculation. Access the calculator any time to calculate your housing loan EMIs.

Documents Required for Home Loan

Submit some of the essential documents, including:


  • Form 16 or your latest salary slips
  • Certificate of business vintage
  • Passport-sized photograph
  • KYC documents
  • Bank statements


Home Loan Interest Rate, Fees & Charges

Bajaj Finserv ensures 100% transparency on home loan policy with no hidden charges.

Types of rates Charges applicable
Promotional home loan interest rate (for salaried applicants) Starting from 6.70%*
Rate of interest (for self-employed) 6.70%* to 10.30%
Rate of interest (for salaried) 6.70%* to 11.15%
Loan statement fees Rs. 50
Penal interest 2% per month
Processing charges (for self-employed) Up to 1.20%
Processing charges (for salaried) Up to 0.80%

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

How to Apply for Home Loan?

The steps to apply for a home loan in Vadodara are easy and simple.

Step 1: Look for the online loan application on our website.
Step 2: Provide all the essential information as needed.
Step 3: Pay the secure fee via any online mode.
Step 4: Submit the documents needed online.

For the offline process, borrowers can also SMS 'HLCI' to 9773633633.

Housing Loan in Vadodara FAQs

What is the lowest interest rate on a home loan in Vadodara?

The current lowest interest rate on housing loan in Vadodara by bajaj finserv for salaried customers is 6.70%*.

What is the maximum housing loan in Vadodara that I can get?

You can get a home loan in Vadodara anywhere between Rs.20 Lakh and Rs.3.5 Crore* from Bajaj Finserv.

How to apply online for a home loan in Vadodara?

You can apply online for a housing loan in Vadodara with minimum documentation & instant approval by submitting an online home loan application at Bajaj Finserv.

What is the minimum salary for a home loan in Vadodara?

The minimum monthly salary to apply for a home loan in Vadodara is ₹ 25,000. However, The income criteria to get a home loan depend on many factors such as your salary, current age, credit score, and other monthly financial obligations.

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
Fourth Floor, 401,402,403,404, Times Square Building
Vadodara, Gujarat
Phone: 265 302 2604