2 min
10 September 2025

If you are planning to buy a house in Gurgaon, a home loan from Bajaj Finserv can help you turn that plan into reality. Whether you want a compact 1-BHK flat or a spacious luxury apartment, you can access tailored loan solutions that make home buying straightforward and convenient. Both salaried professionals and self-employed individuals can apply with ease. With quick approvals, flexible repayment options, and competitive interest rates, Bajaj Finserv ensures the process of securing a home loan in Gurgaon is simple, transparent, and designed to match your financial needs.

Bajaj Finserv Home Loan in Gurgaon

Gurgaon, a city in Haryana has fast emerged as India's second-largest IT hub. The city's banking and financial spheres are also crucial in generating employment.

To address the city's growing demand for homes and home loans, Bajaj Finserv offers residents low-interest rates and lenient tenors.

Apply online today or visit your closes Bajaj Finserv branch to avail of a home loan. To start, check your eligibility by entering your mobile phone number and OTP.

Current home loan interest rates in Gurgaon

The Bajaj Finserv Home Loans in Gurgaon offers residents a high loan amount at competitive home loan interest rates and reasonable additional fees. Above all, we do not levy any hidden charges. Enjoy a truly hands-free borrowing experience by applying online today.

Applicant type

Home loan interest rates in Gurgaon

Salaried applicant

Starting at 7.45%* p.a*

Self-employed applicant

Starting at 7.85%* p.a.*


*Terms and conditions apply

Features and benefits for home loan in Gurgaon

Applicants interested in availing a housing loan in Gurgaon can read more to know about the features of the Bajaj Finserv Home Loan.

  • Percentage sign

    Reasonable rate of interest

    Starting from 7.45%* p.a, Bajaj Finserv offers applicants an affordable home loan option to fit their finances.

  • Money in hand 2

    Speedy disbursal

    No more long waits for loan amounts with Bajaj Finserv. Find your sanction amount in your bank account in just 48* hours from approval.

  • High loan amount

    Ample sanction amount

    Bajaj Finserv provides loan amounts as much as Rs. 15 Crore* to eligible candidates, to boost your home buying journeys.

  • Laptop

    5000+ project approved

    Find over 5000+ choices in approved projects and enjoy better home loan terms from Bajaj Finserv.

  • percentage sign

    External benchmark linked loans

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

  • Online account management

    Digital monitoring

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

  • Calendar

    Long tenor stretch

    The Bajaj Finserv home loan tenor stretches up to 32 years allowing borrowers a buffer period to plan out their EMI payments.

  • Mobile

    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.

  • Flexible repayment

    No prepayment and foreclosure charge

    Bajaj Finserv allows you to foreclose the loan or make part-prepayments at no extra costs or prepayment penalty – making way for maximum savings.

  • PMAY

    Loan subsidies

    Avail of the loan subsidies offered under the PMAY scheme, with Bajaj Finserv. Approach us for updated terms and best home loan deals.

Gurugram is home to over 250 Fortune 500 companies and registers India’s third highest per-capita income.

Build your dream home in this rapidly developing city with a housing loan from Bajaj Finserv. We offer a high loan value at simple eligibility criteria and follow hassle-free documentation to make the process simple and less time consuming.

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Eligibility criteria for home loan in Gurgaon

Criteria

Self-employed

Salaried

Age (in years)

23 years - 70 years

23 years - 67 years

CIBIL score

725 +

725 +

Citizenship

Indian

Indian

Monthly income

Should show a steady source of income for at least 5 years
  • Under the age of 37 years: Rs. 30,000
  • 37-45 years: Rs. 40,000
  • Above 45 years: Rs. 50,000

Work experience/ business continuity (in years)

5 years

3 years

Apart from meeting the eligibility requirements, declare your additional income sources to get a higher loan amount. Borrowers are suggested to go through the Home Loan EMI Calculator to calculate their monthly EMI payments, to see if it suits their financial standing.

Important links: Home Loan Eligibility Criteria | Documents Required for Home Loan | Home Loan Balance Transfer | Joint Home Loan | Home Loan Tax Benefits | Home Loan Subsidy

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Popular calculators for your financial calculations

Income Tax Calculator

Home Loan Tax Benefit Calculator

Stamp Duty Calculator

Home Loan Eligibility Calculator

Home Loan Prepayment Calculator

 

 

Home loan options for different budgets

Rs. 30 Lakh Home Loan

Rs. 20 Lakh Home Loan

Rs. 40 Lakh Home Loan

Rs. 60 Lakh Home Loan

Rs. 50 Lakh Home Loan

Rs. 15 Lakh Home Loan

Rs. 25 Lakh Home Loan

Rs. 1 Crore Lakh Home Loan

Rs. 10 Lakh Home Loan
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Frequently asked questions

How to calculate home loan EMI?

Enter the home loan principal, tenor and interest rates to our home loan EMI calculator to know your EMI projection.

What are the documents required for home loan in Gurgaon?

Here is a checklist for the documents needed –

  • Identity proof
  • Address proof
  • Salary slips/ Form 16
  • Business proof
  • Bank statement
  • Photographs

You may be asked to submit additional documents to initiate loan processing.

How to apply for home loan in Gurgaon?

Follow these easy steps to avail of a home loan online.

Step 1 – Open the online application form
Step 2 – Enter information related to income, employment, property, etc.
Step 3 – Book an offer by paying secure fee online
Step 4 – Upload the documents required for loan processing

Is credit score important to get a home loan in Gurgaon?

Yes, a good credit score is crucial for getting a home loan in Gurgaon. Lenders typically look for scores above 725 for favourable terms.

What is the maximum period allowed for the home loan repayment?

The maximum repayment period for home loans with Bajaj Finance can extend up to 32 years.

How to take a home loan in Gurgaon?

To apply for a Bajaj Finserv Home Loan in Gurgaon, click on the ‘APPLY’ button and enter your name, mobile number, and employment type. Choose the loan type, then verify your phone number with the OTP. Provide details such as monthly income, loan amount, property status, date of birth, and PAN. Finally, click ‘SUBMIT’. Your application will be sent, and a Bajaj Finserv representative will guide you further.

How long does it take to get a housing loan in Gurgaon?

With Bajaj Finserv, the process of getting a home loan in Gurgaon is designed to be quick and hassle-free. Generally, the loan is sanctioned and disbursed within 48 hours* of approval, provided all documents are accurate and complete. Any delay usually happens if there are errors or missing details in the paperwork. By ensuring that everything is submitted correctly, you can expect a faster turnaround time.

What is the minimum income requirement to get a home loan in Gurgaon?

Bajaj Finserv offers home loans in Gurgaon with eligibility criteria suited for both salaried and self-employed individuals. As a general guideline, applicants are expected to have a minimum monthly income of around Rs. 25,000. However, the exact requirement may vary depending on your profile, loan amount, and repayment capacity. A higher income can improve eligibility and allow you to access larger loan amounts with greater ease. Check your eligibility by entering your mobile number and OTP for verification.

What are the documents required to apply for a home loan in Gurgaon?

When applying for a home loan in Gurgaon with Bajaj Finserv, you will need to provide a completed loan application form along with recent passport-size photographs. Additionally, submit valid identity proof (such as Aadhaar, PAN, voter ID, passport, or driving licence), and residence proof using similar documents. Income proof, such as salary slips or financial statements, is also required. Finally, original property documents must be submitted for verification before approval.

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Bajaj Finserv app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-qualified limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finserv App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

GET THE APP

Disclaimer

While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent inaccuracies or typographical errors or delays in updating the information. The material contained in this site, and on associated web pages, is for reference and general information purpose and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Subscribers and users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. In case any inconsistencies observed, please click on reach us.

*Terms and conditions apply

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