Bajaj Finserv in your city

Surat is an important economic and commercial centre in South Gujarat. The city serves as the administrative capital of its namesake district and is among the largest urban areas in western India.

Fulfil your long-pending financial plans or unforeseen expenses with a loan against property in Surat. Bajaj Finserv has 2 branches here.

Walk into the nearest one or apply online.

Features and benefits

Applicants interested in availing a loan in Surat can read more to know about the features of the Bajaj Finserv loan against property.

  • Reasonable rate of interest

    Reasonable rate of interest

    Starting from 8% to 14% per annum, Bajaj Finserv offers applicants an affordable home loan option to fit their finances.

  • Super-fast TAT

    Super-fast TAT

    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 up to Rs. 10.50 crore* to eligible candidates and to boost your home buying journeys.

  • Digital monitoring

    Digital monitoring

    Now keep a close eye on all your loan developments and EMI schedules through the Bajaj Finserv online platform.

  • Long tenor stretch

    Long tenor stretch

    The Bajaj Finserv home loan tenor stretches up to 15 years allowing borrowers a buffer period to plan out their EMI payments.

  • Zero contact loans

    Zero contact loans

    Experience a truly remote home loan application from anywhere in India by applying Bajaj Finserv online home loans and getting an easy approval.

  • No prepayment and foreclosure charge

    No prepayment and foreclosure charge

    If all borrowers and co-borrowers are individuals, loan availed on floating interest rates, and loan taken for purposes other than business use, then there will be no foreclosure/ part-prepayment charges. However, apart from above situation part pre-payment charges are applicable for term Loan up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment. Part pre-payment charges are not applicable for Flexi Term Loan (Flexi Dropline) and Hybrid Flexi.

Studies anticipate Surat to become the fastest growing city of the world between 2019 and 2035. The city houses well-established textile and diamond industries that sell premium-quality products throughout India. Presently, there are more than 800 wholesalers of cloth, with the city manufacturing 9 million meters of fabric per year. It is also a prominent shopping centre for accessories and apparels. Besides being the ‘Diamond City of India’, there are several engineering plants functional across Surat, including RIL, Essar, Larsen and Toubro. 

With reputed lenders like Bajaj Finserv, address your modern lifestyle needs or monetary crises with credits up to Rs. 5 crore. Receive the funds in your account within 72* of approval. Choose a suitable repayment schedule according to your financial ability. If you have excess funds, you can also avail part-prepayment at affordable interest rates. Apply online now for quick approval.

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Eligibility and documents for loan against property in Surat

Increase your chances of getting approval by meeting the following loan against property eligibility criteria.

  • Age


    Minimum age: 25 years* (18 years for non-financial property owners)
    Maximum age: 85 years* (including non-financial property owners)
    *Age of the individual applicant/ co-applicant at the time of loan maturity
    *Higher age of co-applicant may be considered up to 95 years basis 2nd generation (legal heir) meeting age norms and to be taken as co-applicant on loan structure

  • Job status

    Job status

    Either salaried or self-employed

  • CIBIL score

    CIBIL score


  • Citizenship


    Indian (resident)

Eligible self-employed borrowers can choose a repayment tenor of up to 15 years. Bajaj Finserv offers online account management facility to track relevant loan details. Simply log in to our customer portal – My Account.

Interest rates and charges for loan against property in Surat

Reasonable loan against property interest rate ensure affordability. Check all the fees and charges before applying.

Frequently asked questions

What is the LTV ratio on the loan against property?

Based on various criteria, Bajaj Finserv offers an LTV of up to 75% to 90% of the property’s value in Surat.

How much should be the part-prepayment amount?

The part-prepayment amount must be more than 3 EMIs.

Can I avail a top-up loan?

Yes. Exclusive top-up loans are available with our balance transfer facility. Get additional funding with minimum documents and at a nominal rate.

Where can I utilise the loan amount?

A Bajaj Finserv Loan Against Property comes with zero restrictions. You can use the money for any purpose, be it personal or business.

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