Business loan against property interest rates and charges

Types of fee Applicable charges
Rate of interest 9% - 30% per annum
Processing fee Up to 3.54% of the loan amount (inclusive of applicable taxes)
Documentation charges Up to Rs. 2,360 (inclusive of applicable taxes)
Flexi fee Not applicable
Prepayment charges

Full prepayment (foreclosure)

  • Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment
  • Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment
  • Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full pre-payment

Part prepayment

  • Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part pre-payment
  • Not Applicable for Flexi Term Loan (Flexi Dropline) and Hybrid Flexi
Annual maintenance charges

Term Loan: Not applicable

Flexi Term Loan (Flexi Dropline): Not applicable

Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount during the initial loan tenure. Not applicable during the subsequent loan tenure

Bounce charges

Rs. 1,500/- per bounce.

“Bounce charges” shall mean charges for non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.

Penal Charge Delay in payment of instalment(s) shall attract Penal Charge of Rs. 36 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp duty Payable as per state laws
Broken period interest/ pre-EMI interest

Broken period interest/ pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios:

Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged:

In this scenario, broken period interest is recovered by the following methods:

  • For Term Loan: Deducted from the loan disbursement
  • For Flexi Term Loan: Added to the first instalment
  • For Flexi Hybrid Loan: Added to the first instalment

Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged:

  • In this scenario, interest is charged only for the actual number of days since the loan was disbursed.
Cash collection handling charges Rs. 177 (inclusive of applicable taxes) will be charged if customer opts to make payment in cash when the collection is done by the collection agents. This fee is charged only once per month, regardless of the number of payments made against multiple LANs.
Cash deposit charges Customers will incur a cash deposition charge of Rs. 50 (Inclusive of Applicable taxes) when making cash payments at our branch offices.
PG facility charges Rs. 11 (Inclusive of Applicable taxes) will be charged for utilizing the payment gateway to make part or full payments towards the loan through digital properties.
Mortgage origination fees Up to Rs. 6,000 per property (inclusive of applicable taxes)
CERSAI charges Up to Rs. 118/- (inclusive of applicable taxes)


The Bajaj Finserv Business Loan Against Property comes with attractive interest rates of 9% – 30% per annum, for a sanction going up to Rs. 1.05 crore. This, along with a transparent list of charges, helps you plan your repayment efficiently even before you avail of the loan.

Planning your repayment in advance helps you avoid missed payments, which can incur charges. A penal interest is levied at 42% per annum in case of any such delay.

You can part-pay your loan at an affordable charge of 4.72% of the prepaid amount, plus taxes. This charge is not applicable if you are an individual borrower with a variant of Flexi loan . If you wish to foreclose your loan at any point, you can do so at a charge of 4.72% of the outstanding amount, plus taxes.

You can easily access your loan-related documents via the customer portal – My Account, where you can download your monthly account statement, important certificates and more. If you need physical copies of these documents, you can obtain them from the nearest Bajaj Finserv branch office for a nominal fee of Rs. 50 per document.

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Frequently asked questions

What is the processing fee for a secured business loan?

The processing fee for a Bajaj Finserv Business Loan Against Property can go up to 3.54% of the loan amount sanctioned, (inclusive of applicable taxes).

Is there a charge applicable on part-prepayments?

You will need to pay a nominal charge of up to 4.72% (inclusive of applicable taxes.) on the amount you wish to part-pay.

What is the interest rate for a business loan against property?

You can avail of a secured business loan at an attractive interest rate of 9% to 30% p.a.

What is the maximum and minimum repayment tenor?

The business loan against property repayment tenor ranges up to 15 years.

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