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?

If you meet our eligibility criteria, you can easily get a home loan of up to Rs. 15 crore*. The loan amount depends upon essential factors like age, income profile, and CIBIL Score, amongst others.

Are self-employed professionals eligible for a home loan?

As a self-employed individual, you must be a resident Indian citizen between the age of 23 years to 70 years. In addition, you should have a business continuity of 5+ years in the current business to be eligible for a home loan.

What documents do self-employed professionals require for a home loan application?

As a self-employed individual applying for a fresh home loan with Bajaj Finserv, you must have a few essential documents as listed below

  • KYC documents (identity and address proof)
  • Proof of income (P&L statement)
  • Proof of business existence, and
  • Account statements for the last 6 months
How long does it take for a home loan sanction at Bajaj Finance?

Once you have submitted all the essential documents, the loan amount will be approved within 48 Hours*.

* Terms and conditions apply

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Bajaj Finserv Home Loan


With a home loan from Bajaj Finance you can achieve your homeownership goal effortlessly. Depending on your eligibility, you can access a home loan of up to Rs. 15 crore*. We provide competitive interest rates for both salaried and self-employed individuals. With EMIs as affordable as Rs. 906/lakh* and a flexible repayment period extending up to 20 years*, you can manage repayment at your convenience. Our hassle-free online application process ensures disbursal within just 48 Hours*. Additionally, benefit from our home loan balance transfer option, offering an added top-up for managing additional expenses.

Features and Benefits of our Home Loan

  1. Loan of up to Rs. 15 crore*: Purchasing a home marks a significant milestone. Achieve it with the substantial amount of up to Rs. 15 crore* available through Bajaj Finserv Home Loan.
  2. Competitive interest rates: Start with our loan interest rates as low as 9.10%* p.a., allowing you to pay EMIs as minimal as Rs. 906/lakh*.
  3. Approval in 48 Hours*: Your loan application will be approved within 48 Hours* of your application, in some cases, even earlier.
  4. Tenure of up to 20 years: Repay your loan comfortably with our extended repayment tenure of up to 20 years.
  5. No foreclosure fee for individuals: Individual borrowers opting for a floating interest rate can foreclose the entire amount or prepay a part of the loan without incurring any additional fees.
  6.  Hassle-free application: Skip numerous branch visits with our doorstep document pick-up service, ensuring a hassle-free application process.
  7. 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* or higher.
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