Features and benefits

To know more about the features and benefits of a Home Loan for a rural area, read on.

  • Reasonable rate of interest

    Reasonable rate of interest

    Starting from 8.50%* p.a., Bajaj Finserv offers applicants an affordable home loan option to fit their finances.

  • Quick disbursal

    Quick disbursal

    Find your sanction amount in your bank account in just 48* hours from approval with Bajaj Finserv.

  • Ample top-up Loan

    Ample top-up Loan

    Enjoy a cost-effective, high-value sanction over your existing rural home loan and use the funds for any purpose.

  • 5000+ project approved

    5000+ project approved

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

  • External benchmark linked loans

    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.

  • Quick balance transfer

    Quick balance transfer

    Transfer your existing home loan to Bajaj Finserv against minimal documentation for cheaper home loan repayment.

  • Flexible tenor

    Flexible tenor

    Keep your EMIs affordable by splitting repayment over a tenor of up to 360 months.

  • Easy eligibility

    Easy eligibility

    Obtain quick approval by fulfilling easy-to-meet home loan eligibility terms and submitting few documents.

  • Hassle-free prepayment

    Hassle-free prepayment

    Make part-prepayments before the tenor ends to reduce your total interest outgo.

  • PMAY subsidy

    PMAY subsidy

    Get an interest subsidy of up to Rs. 2.67 lakh* under PMAY CLSS as a first-time homeowner.

Home loan for rural area

Rural housing loans are financial instruments tailor-made to help you address your monetary needs to build a house. These home loans are available whether you are a self-employed or salaried person, and you can apply for one to construct a new residential property or renovate your existing house.

Bajaj Finserv offers Rural Home Loans at affordable interest rates, along with several borrower-friendly features like the Top-Up Loan facility and doorstep services. For cost-effective repayment, you can carry out a balance transfer and refinance your existing home loan with Bajaj Finserv. Avail a top-up loan when doing so to obtain funds for your other expenses. For easy loan management, use our customer portal – My Account.

Home loan interest rates for rural housing loan

Enjoy some of the lowest home loan interest rates along with minimum rural financing charges on your home loan. Learn about all the necessary fees and plan your finances with ease. You can also utilize the housing loan EMI calculator to determine a suitable EMI.

Eligibility criteria for getting a rural housing loan

Rural Home Loan eligibility criteria are simple and easy to fulfill. Here are some basic conditions.


Minimum requirement


23 years to 62 years of age (for salaried individuals) or 25 years to 70 years of age (for self-employed individuals)

Work experience

Minimum 3 years (for salaried individuals) or minimum 5 years (for self-employed individuals)


Residing Indian citizen

Know how much you can borrow with our quick home loan eligibility calculator.

*Conditions apply

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