Bajaj Finserv Home Loan
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Home Loan - Features and Benefits

Bajaj Finserv offers Home Loan of up to ₹3.5 crore at an interest rate starting at 6.95%*. You can repay it over a flexible tenor of up to 240 months, claim annual tax benefits, get the highest top-up loan of up to ₹50 lakh, and save up to ₹2.67 lakh* on interest through PMAY’s interest subsidy.

Whether you’re looking to purchase, construct, or renovate a home, the Bajaj Finserv Home Loan is the one-stop solution for your housing loan needs. You can get finance easily, with simple eligibility terms and a minimal requirement for documentation. You can also refinance your existing house loan through the Balance Transfer facility and avail a top-up loan when doing so. Through the Property Dossier facility, you learn about the legal and financial aspects of being a property owner; and you can avail customised insurance schemes to stay financially secure.

To meet your housing finance needs, apply for the Bajaj Finserv Home Loan today and get instant approval.

  • Pradhan Mantri Awas Yojana (PMAY)

    Home Loans get more affordable than ever, with assistance from the Pradhan Mantri Awas Yojana (PMAY) for first-time homeowners. Reduce your Home Loan EMIs with PMAY, by getting a Home Loan at an interest rate of just 6.95%*, and save up to Rs. 2.67 lakh on interest*. Get a Home Loan under PMAY even if your parents own a home, and thus have the chance to become a homeowner yourself.

  • Easy Balance Transfer Facility

    Refinance your existing home loan with Bajaj Finserv, with minimal documentation and faster processing. Apply for home loan transfer, and get a top-up loan at a nominal interest rate.

  • Top-up Loan

    Finance your other requirements with a high-value top-up loan over and above your existing housing loan. Get a top-up loan up to Rs. 50 lakh without any extra documentation, at a nominal rate of interest.

  • Property Dossier

    A customised report to guide you through all the legal and financial aspects of being a property owner.

  • Part-prepayment and Foreclosure Facility

    No charges on part-prepayment or foreclosure to make the loan affordable

  • Flexible Tenor

    Flexible tenors ranging up to 240 months, to fit your repayment capacity.

  • Minimal Documentation

    Easy Home Loan eligibility criteria and minimal documentation, to help you get your loan faster

  • Online Account Management

    Online management of your Bajaj Finserv Home Loan using our digital customer portal, for your convenience

  • Customised Insurance Schemes

    Customised insurance schemes to protect your family from the burden of repaying the housing loan in case of unforeseen events

Eligibility Criteria for Home Loan


Eligibility criteria for the Bajaj Finserv Home Loan are simple and any Indian national with a good financial profile can obtain funding. The criteria differ depending on whether you are salaried or self-employed. The criteria are also inter-dependant. For instance, for two persons of the same age, the one with a higher credit score is likely to be able to borrow a higher loan amount.

Eligibility criteria For Salaried For Self - Employed
Nationality Resident Indian Resident Indian
Age 23 to 62 years 25 to 70 years
Work Experience / Business Continuity 3 years or more 5 years or more
Maximum loan ₹3.5 crore ₹3.5 crore

Documents Required for a Home Loan

Category Documents
Identity Proof (any one) - PAN card
- Driving license
- Voter ID
- Valid passport
Address Proof (any one) - Electricity bill/ water bill/ telephone bill - Valid passport
- Aadhaar Card
- Driving license
- Voter ID
Other Documents - Passport-size photograph
- Document for proof of 5 years of business continuity (for self-employed individuals)

Income Proof Documents Required for Home Loan

Home Loan for: Documents
Self-Employed and Salaried Individuals - Latest salary slips or Form 16
- Bank account statements of the last 6 months

*Do note that the above list is indicative and additional documents may be required during processing of your application.


When you choose to borrow via the Bajaj Finserv Home Loan, you not only get access to all the above-mentioned features but also benefit from industry-leading home loan interest rates. Additionally, provisions such as nil part-prepayment or foreclosure fees, interest subsidy for PMAY beneficiaries, and a fully-customised property dossier make this house loan one of the best in the country.

To easily calculate your eligibility for this feature-rich housing loan, use the Home Loan Eligibility Calculator and follow it up with the Home Loan EMI Calculator to know your EMIs. Thereafter, simply fill a short online form to apply.

Home Loan FAQs

What is a home loan and how does it work?

A home loan, as the name suggests, is a financing solution that allows you to borrow funds to purchase a property at a predetermined rate of interest and repayment tenor. You then repay the amount through EMIs, and the lender, which can be a bank or another financial institution, retains ownership of the property till you pay the entire sum owed. While home loans are typically intended for the purchase and/or construction of a property, some solutions also cater to renovation and repair. Bajaj Finserv offers high-value loans up to Rs.3.5 crore at competitive interest rates, with the option of flexible repayment tenors extending up to 30 years.

Is a home loan tax deductible?

Yes, house loan is eligible for a tax deduction. Home loan tax benefits include Section 80C’s deduction of Rs. 1.5 lakh on the principal repayment and Section 24B’s deduction of Rs.2 lakh on the interest repayment. You can also claim home loan tax deduction for registration fees and stamp duty charges under Section 80C. In the Union Budget 2021, Government extended the additional deduction of Rs. 1.5 lakh for interest repayment on home loan by 31 March 2022 under the section Section 80EEA, to purchase a house costing up to Rs. 45 lakh. This additional deduction is being provided over and above the existing 2 lakh deduction.

Can I get a 100% home loan?

As per RBI guidelines, no lender is permitted to offer 100% home financing. You need to make a down payment amounting to 10-20% of the property’s purchase price. Typically, you can obtain up to 80% housing loan financing for your property.

What are the eligibility criteria to get Bajaj Finance home loan?

Via Bajaj Finserv, any Indian national having a good financial profile can get a home loan. The home loan eligibility terms include:

  • Age limit for salaried: 23 to 62 years
  • Age limit for self-employed: 25 to 70 years
  • Minimum CIBIL score: 750
  • Minimum salary: Rs.25,000
  • Work experience for salaried: minimum of 3 years
  • Business continuity: minimum of 5 years

What is the minimum salary for a home loan?

Bajaj Finserv requires you to have a minimum net monthly income of Rs. 25,000 to Rs. 30,000 in order to get a housing loan. In places like Delhi, Gurugram, Mumbai and Thane your salary should be at least Rs. 30,000. In cities like Bangalore, Chennai, Hyderabad, and Goa you must earn at least Rs. 25,000.

What is the maximum home loan that I can get?

Salaried persons with work experience of 3 years can get a home loan of up to Rs. 3.5 crore and self-employed individuals having a business continuity of 5 years can avail funding up to Rs.5 crore. Use the Housing Loan Eligibility Calculator to know the maximum loan amount based upon your income, tenor, and current obligations.

What are the documents required for a home loan?

The documents required for a Home Loan from Bajaj Finserv include:

  • KYC Documents
  • Address proof
  • Identity proof
  • Photograph
  • Form 16/ latest salary slips
  • Bank account statements of the last 6 months
  • Proof of business continuity (for businesspersons, self-employed)

Which home loan is the best: Fixed or floating interest rate?

Both types of home loans have their pros and cons. With a fixed-rate home loan, the interest rate remains constant through the tenor, which allows you to forecast EMIs. Pick it when home loan interest rates are low. For floating rate home loans, the interest rate alters basis economic changes and RBI policy decisions. Choose this variant when you expect rates to reduce in the time to come. Additionally, the RBI mandates that you do not need to pay any prepayment or foreclosure charges if you’re an individual borrowing a floating rate home loan.

What are the different types of home loans available in India?

Basis the different requirements for housing loans and varied customer profiles, the types of home loans available in India are –

  • Home construction loan
  • Loan for plot/land purchase
  • Home loan balance transfer
  • Top-up loan
  • Joint home loan
  • Loans under the Pradhan Mantri Awas Yojana scheme
  • Home loan for -
    • Women
    • Government Employees
    • Advocates
    • Bank Employees
    • Private Employees

Which factors affect your home loan eligibility?

Availing a home loan requires an individual to meet eligibility criteria that ensure a borrower’s capacity to repay. The factors that affect eligibility are –

  • A person’s credit score
  • Monthly income
  • Current financial obligations as debt
  • Employment status
  • Age of the applicant
  • Property to be purchased

Can I switch to floating rate from a fixed rate during my loan tenure?

Yes, you can switch from a floating rate of interest to a fixed rate during the repayment tenor of your housing loan. You need to pay a nominal amount as a conversion fee to your lender for switching.

Switching from a floating to fixed rate is best-suited when the market rates are expected to climb up.

Is opting for a home loan worth it?

Opting for a home loan is a smart financial decision for the following reasons –

  • It brings additional financing to fund your housing dreams without affecting the savings.
  • You can choose from several housing loan options as per your requirements.
  • The interest rates are affordable and make loan repayment more convenient.
  • Long tenor allows for repayment towards the loan in easy EMIs.

Can I take 2 home loans at a time?

No, availing two housing loans at a time for the same property is restricted as per the CERSAI. However, individuals can opt for a home loan balance transfer to refinance their existing housing credit at lower rates of interest. The facility comes with the top-up loan facility, an additional loan over and above the existing loan amount. Avail the funds to meet diverse financial necessities with ease.

How to get a home loan with ease?

Proceed with the following steps to avail a home loan with ease.

  • Check your credit reports and rectify errors, if any.
  • Estimate EMIs with a house loan calculator and decide on the loan amount as per repayment capacity.
  • Keep all the necessary documents handy.
  • Compare the available offers for the best housing loan option.
  • Ensure to meet all eligibility before applying.

When does the loan repayment period start?

The repayment period for loans begins immediately after the lender has disbursed the entire home loan amount. However, in cases of partial disbursal, the interest accrued on such a disbursed amount is required to be paid as pre-EMI. Full EMI payment including the principal and interest amount starts after full disbursal of the loan.

Is home loan insurance mandatory?

No, It is not mandatory that you take home loan insurance along with your loan. However, you may consider getting an insurance to take care of any liability at a marginal increase in your EMIs.

When do home loan EMIs start?

You start paying your home loan EMI when the disbursement cheque is created. Once you receive the loan amount, you begin paying EMIs as per the EMI cycle. This means if your chosen date for EMI repayment is 5th of a month and you receive the loan on the 28th of the month, then for the first month you pay EMI calculated from the day your home loan was sanctioned to your first EMI date. Next month onwards, you pay regular EMIs on the designated day.

How to apply for a home loan?

To avail a Bajaj Finserv Home Loan, apply online, via SMS or at our branch.

Online Process:

  • Access the online home loan application form
  • Enter personal, financial and employment-related details.
  • You will get your pre-approved offer.
  • Choose the loan amount with the home loan eligibility calculator.
  • Provide property details.
  • Pay the online secure fee.
  • Upload scanned copies of documents.

SMS Method:

Send 'HLCI' to 9773633633

A Bajaj Finserv representative will contact you with your pre-approved offer. You can also obtain a Home Loan by visiting your nearest Bajaj Finserv branch.

Congratulations! You have a home loan balance transfer offer.


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  • Affordable Home Loans
  • Home Loan at an interest rate of just 6.95%*
  • Save up to Rs. 2.67 lakh on interest*

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