Bajaj Finserv Home Loan Interest Rates, Schemes and Eligibility
High-value top-up loans up to ₹1 Crore alongside home loan transfer
What is the current Bajaj Finserv home loan interest rate?
Bajaj Finserv home loan interest rates start at 8.55% p.a. for salaried borrowers with a credit score of 750+. The rate you get depends on your credit score, loan amount, and whether you choose a floating or fixed rate. MakaanLoan compares this against 25+ banks for free.
| Loan Category | Interest Rate Range (p.a.) | Max Tenure | Max LTV Ratio | Rate Verification |
|---|---|---|---|---|
| Salaried Borrowers (CIBIL 750+) | 8.55% – 9.00% | 30 Years | Up to 80% | Recently Verified |
| Self-Employed Professionals & Business | 8.70% – 10.50% | 25 Years | Up to 80% | Recently Verified |
| Balance Transfer from Other Lenders | Starts at 8.55% p.a. | Up to 30 Years | Up to 85% + Top-up | Recently Verified |
Popular Bajaj Finserv Home Loan Schemes
Explore specialized schemes tailored for salaried professionals, business owners, youth, and government employees.
Bajaj Finserv Flexi Hybrid Home Loan
Pay only interest during the initial loan period to optimize current cash reserves
- Option to pay interest-only EMIs during initial moratorium / setup period
- Prepay excess funds anytime with zero penalties and re-withdraw without reapplying
- High ticket loan sanction approvals up to ₹15 Crores with minimal physical paperwork
Bajaj Finserv Home Loan EMI Calculator
Estimate your monthly installment based on Bajaj Finserv's live interest rate of 8.55% p.a.
Bajaj Finserv Eligibility Criteria
- Age Limit: 21 years at application, up to 65–70 years at maturity
- Minimum Income: ₹25,000/month for salaried; ₹3,00,000 annual net taxable income for self-employed
- CIBIL Score: 700+ preferred for best rate spreads
- Employment Vintage: 2+ years total work experience; 3+ years in continuous business
- Resident Status: Resident Indians, NRIs, and PIOs eligible across major schemes
Documents Required for Bajaj Finserv
- KYC: PAN card (mandatory for applicant & co-applicant), Aadhaar card, passport photos
- Salaried Income: Last 3 months payslips, 6 months salary bank statement, Form 16 / ITR
- Self-Employed: 3 years ITR with computation, P&L, balance sheet, 12 months bank statements
- Property Documents: Allotment letter, agreement for sale, sanctioned building plan, CC/OC
Frequently Asked Questions about Bajaj Finserv Home Loans
What is the current Bajaj Finserv home loan interest rate?
Bajaj Finserv home loan interest rates start at 8.55% p.a. and range up to 10.50% p.a., linked to repo rate benchmarks. Actual rate offers depend on your credit score, loan amount, and employment profile.
What is the standard processing fee charged by Bajaj Finserv?
Bajaj Finserv charges a standard processing fee of 0.5% of the sanctioned loan amount. When you apply through MakaanLoan, you can access exclusive fee concessions and special capped processing fee schemes.
Are there any prepayment or foreclosure penalties on Bajaj Finserv home loans?
Under Reserve Bank of India (RBI) regulations, Bajaj Finserv charges zero prepayment penalties or foreclosure charges on floating rate home loans for individual borrowers.
What is the minimum CIBIL score required for Bajaj Finserv home loan approval?
A CIBIL score of 700 or higher is preferred by Bajaj Finserv for standard approval, while scores of 750+ unlock the lowest starting rate slab of 8.55% p.a. Profiles with 650–700 are workable subject to compensatory underwriting.
How long does Bajaj Finserv take to sanction and disburse a home loan?
Digital in-principle sanction from Bajaj Finserv can be achieved within 48 to 72 hours once complete documentation is submitted. Final disbursement typically takes 3 to 7 working days post legal and technical verification.
Ready to apply for Bajaj Finserv Home Loan?
Submit your profile through MakaanLoan to lock in exclusive volume processing fee concessions (Makaanloan special offer of flat ₹3,500 processing fee), dedicated relationship management, and conditional in-principle sanction without bank branch visits.