Features and benefits

With a loan against shop from Bajaj Finserv, you can renovate your shop, rent new office space, expand your existing store, restock inventory, etc. To find more about the features and benefits, read on.

  • Reasonable rate of interest

    Reasonable rate of interest

    Bajaj Finserv offers applicants an affordable loan against shop options to fit their finances without compromising on one’s savings.

  • Swift disbursal

    Swift disbursal

    No more long waits for loan amounts with Bajaj Finserv. Find your sanction amount in your bank account in just 72* hours from approval.

  • Higher loan amount

    Higher loan amount

    Bajaj Finserv provides loan amount of up to Rs. 10.50 crore* to eligible candidates to boost your home buying journeys.

  • External benchmark linked loans

    External benchmark linked loans

    By opting for the Bajaj Finserv linked to an external benchmark, applicants can enjoy reduced EMIs along with favourable market conditions.

  • Virtual loan access

    Virtual loan access

    Through My Account, an online customer portal, track your loan 24/7, be it viewing statements or upcoming payments.

  • Ample loan tenor

    Ample loan tenor

    Our mortgage loan has a long repayment term of up to 15 years so that your monthly installments are low.

  • Refinance conveniently

    Refinance conveniently

    Carry out a balance transfer to Bajaj Finserv. Use our loan against property EMI calculator to know your monthly outgo beforehand.

  • Flexi perks

    Flexi perks

    Part-prepay or withdraw from the sanction whenever you want to. Repay with interest-only EMIs during the initial tenor.

Loan against shop

A loan against property is a type of mortgage loan which offers a large amount of capital so that you can cover all your big-ticket expenses. The Bajaj Finserv Loan Against Shop offers up to Rs. 10.50 crore* as a loan at a competitive interest rate. The substantial loan amount helps you restock inventory, carry out renovations, undertake expansion and do much more.

After completing the paperwork verification, we disburse funds to your account within 72 hours*. Moreover, when you carry out a balance transfer to Bajaj Finserv, in addition to better interest rates, you can also avail a high top-up loan without submitting extra documents.

Eligibility criteria to avail a loan against shop

To get a loan against your shop, start by meeting the simple loan against property eligibility criteria.

  • Nationality


    Resident of India, owning property in the following locations:
    Delhi & NCR, Mumbai & MMR, Chennai, Hyderabad, Bangalore, Pune, Ahmedabad (for salaried employees) or Bangalore, Indore, Nagpur, Vijayawada, Pune, Chennai, Madurai, Surat, Delhi & NCR, Lucknow, Hyderabad, Cochin, Mumbai, Jaipur, Ahmedabad (for self-employed individuals)

  • Age


    You must be between 25 years (18 years for non-financial property owners) to 85 years* (including non-financial property owners)
    * 85 years* of age or less at the time of loan maturity

  • Employment


    Salaried employee of any private, public or multinational organization or self-employed individual with a consistent income from business

How to apply for a loan against shop

Make applying for a loan against shop hassle-free by following these steps.

  1. 1 Fill a basic online application form
  2. 2 Enter personal and property details
  3. 3 Share income details to view special offers

On providing this information, our relationship manager will call you and take you through the remaining loan application steps.

Loan against property interest rate, fees, and charges

There are nominal processing fees and charges associated with a Bajaj Finserv loan against property interest rate. Know these in detail before applying.

*Conditions Apply