Bajaj Finance Home Loan Interest Rates
Bajaj Housing Finance offers home loan interest rates starting at 7.45% p.a.* for salaried individuals. Enjoy quick processing, minimal documentation, and instant loan approval, along with the option to avail a substantial loan amount with ease.
Bajaj Finance Home Loan Interest Rates
Bajaj Finance offers competitive housing loan interest rates in 2025, starting from 8.50% p.a. Home loans are available with flexible tenures of up to 40 years, making repayment convenient and manageable. Special interest rates are also offered to eligible women borrowers, senior citizens, and NRIs, making homeownership more accessible. To qualify, a minimum credit score of 750 is recommended to ensure creditworthiness.
With Bajaj Finance housing loan interest rates and flexible terms, aspiring homeowners can move closer to owning their dream home. Bajaj Housing Finance offers competitive home loan interest rates starting from 7.45% p.a. The exact Bajaj Finance home loan rate depends on the loan type and the borrower’s profile.
For Salaried Borrowers
| Loan Type | Interest Rate (p.a.) |
| Home Loan | 7.45% – 10.25% |
| Home Loan Balance Transfer | 7.55% – 10.35% |
| Top-up Loan | 87.55% – 10.35% |
For Professional Borrowers
| Loan Type | Interest Rate (p.a.) |
| Home Loan | 7.45% – 10.25% |
| Home Loan Balance Transfer | 7.55% – 10.35% |
| Top-up Loan | 87.55% – 10.35% |
For Self-Employed Borrowers
| Loan Type | Interest Rate (p.a.) |
| Home Loan | 7.85% – 10.65% |
| Home Loan Balance Transfer | 8.25% – 10.80% |
| Top-up Loan | 8.95% – 10.85% |
Bajaj Finance Home Loan Interest Rates – Key Highlights
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Loan Amount: Up to ₹15 crores
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Interest Rate: Starting from 8.50% p.a.
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Processing Fees: Up to 7% of the loan amount
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Maximum Repayment Tenure: Up to 40 years
Bajaj Finance Home Loan Interest Rates of Different Schemes in 2025
Here are the interest rate ranges for different home loan schemes offered by Bajaj Finance:
| Scheme | Interest Rate Range |
| Bajaj Finance Home Loan | 8.50% – 14.00% |
| Bajaj Finance Top-Up Loan | 9.80% – 18.00% |
*Interest rates are subject to change without further notice.
Types of Bajaj Finance Home Loan Interest Rates
Bajaj Housing Finance offers a range of home loan options to suit different customer needs — from buying a new house to transferring your existing loan at a better rate. Here’s an overview of the main types of Bajaj Home Loans:
1. Bajaj Housing Finance Online Home Loan
Purpose: This loan is designed for customers who want a quick and hassle-free online application process. With loan disbursal within 48 hours after document submission and approval, it’s perfect for those looking for convenience and speed.
- Loan Amount: Up to ₹15 crore (higher amounts available for eligible applicants)
- Tenure: Up to 32 years
- Interest Rate: Competitive Bajaj Home Loan interest rates starting from attractive rates
2. Bajaj Housing Loan for Doctors
Purpose: This exclusive home loan scheme caters to doctors who wish to buy a new home or transfer an existing home loan from another lender to Bajaj Housing Finance at lower rates.
- Loan Amount: Up to ₹15 crore (higher amount possible for eligible borrowers)
- Tenure: Up to 32 years
- Interest Rate: Affordable Bajaj Finance home loan rate with flexible repayment options
3. Bajaj Housing Finance Loan Balance Transfer
Purpose: This facility helps borrowers transfer their existing home loans from other banks or housing finance companies to Bajaj Housing Finance and enjoy lower interest rates and better terms.
- Loan Amount: ₹4 lakh to ₹15 crore
- Tenure: Up to 30 years
- Interest Rate: Attractive Bajaj Finance housing loan interest rate starting from competitive levels
4. Bajaj Housing Finance Top-up Home Loan
Purpose: Existing Bajaj Housing Finance customers can avail a Top-up Home Loan over and above their current home loan. The amount can be used for personal expenses such as home renovation, education, medical needs, or a wedding.
- Loan Amount: Up to ₹1 crore (higher amount based on eligibility)
- Tenure: As per remaining home loan tenure
- Interest Rate: Lower than personal loan rates under the Bajaj home loan interest rate category
Bajaj Finance Home Loan interest rates provides these diverse home loan options with competitive Bajaj Finance housing loan interest rates, flexible repayment periods, and quick approvals — making homeownership simpler and more affordable.
Bajaj Finance Home Loan Interest Processing Fees & Charges (2025)
Before applying for a Bajaj Housing Finance Home Loan, it’s important to understand the applicable processing fees and other charges. These details help you plan your finances better while taking advantage of competitive Bajaj Finance Home Loan interest rates.
| Particulars | Details |
| Processing Fees | Up to 4% of the loan amount + applicable GST |
| Bounce Charges | As per lender’s policy |
| Part-Prepayment Charges | – For floating rate loans (non-business use): NIL
– For floating rate loans (business use): 2% on the part-prepayment amount (for Term Loans) – For Flexi-Term Loans: NIL GST applicable in addition to prepayment charges, if any Note: No charges if the loan is repaid using own funds (not from another lender). |
| Foreclosure Charges | – For floating rate loans (non-business use): NIL
– For floating rate loans (business use) & fixed-rate loans: 4%* on the principal outstanding (Term Loans) 4%* on the sanctioned amount or available loan limit (Flexi-Term Loans) GST applicable in addition to foreclosure charges, if any Note: No charges if closed using own funds. |
| Interest & Principal Statement Charges | NIL |
| Penal Charges | As per Bajaj Housing Finance policy (refer to official website for details) |
Note: For dual-rate home loans (fixed initially, then floating), prepayment and foreclosure charges apply based on the loan’s current rate status at the time of closure.
With transparent fees and a competitive Bajaj Housing Finance rate of interest, Bajaj Housing Finance ensures a smooth and cost-effective borrowing experience. Customers can also compare the Bajaj Housing loan interest rate and processing fees with other lenders for better financial planning.
Bajaj Finance Home Loan Interest Rates– Key Features and Benefits
Owning a home is now simpler with Bajaj Housing Finance Home Loan, designed to make your homeownership journey smooth and affordable. With competitive Bajaj Housing Finance home loan interest rates, flexible tenures, and quick approvals, you can achieve your dream home without financial stress.
Top Features of Bajaj Housing Finance Home Loan
- High Loan Amount – Up to ₹15 Crore: Get the financial support you need to buy your dream home with a maximum loan amount of up to ₹15 crore.
- Attractive Interest Rates: Enjoy competitive Bajaj Housing Finance rate of interest, starting from 8.50% p.a., helping you manage your EMIs easily and affordably.
- Fast Approval & Disbursal: Experience quick loan approval within 48 hours for a smooth, hassle-free process.
- Flexible Repayment Tenure: Repay your loan comfortably with a tenure of up to 40 years, allowing you to choose an EMI plan that suits your budget.
- Convenient Application Process: Skip the long branch queues with a doorstep document pickup service, ensuring a seamless loan application experience.
- No Foreclosure Charges: Salaried borrowers with floating Bajaj housing loan interest rate can prepay or foreclose their home loan without any extra charges.
- Balance Transfer with Top-Up Facility: Transfer your existing home loan to Bajaj Housing Finance and get a top-up loan of up to ₹1 crore for additional financial needs.
- Wide Range of Approved Projects: Choose from over 5000+ approved housing projects for a quick and secure loan process.
- Externally Benchmarked Interest Rates: Link your Bajaj Housing Finance home loan interest rate to the Repo Rate, benefiting from market-linked rate adjustments.
How to apply for Bajaj Finance Home Loan?
To apply for a Bajaj Finance Home Loan Interest Rates, follow this step-by-step guide:
- Click on the ‘APPLY’ button on the official Bajaj Finance website or designated page.
- Enter your full name, mobile number, and pin code, and select your employment type (salaried or self-employed).
- Choose the type of loan you want to apply for (Home Loan in this case).
- Generate and submit the OTP received on your mobile number to verify your contact information.
- After OTP verification, provide additional details, including your monthly income, required loan amount, and whether you have identified the property.
- Proceed to enter your PAN number and any other necessary details based on your chosen occupation type.
- Click on the ‘SUBMIT’ button to complete the application process.
Once you’ve applied, a Bajaj Finance representative will connect with you to guide you through the next steps of the loan application process.
Bajaj Finance Home Loan Interest Rates Eligibility Criteria (2025)
If you’re planning to apply for a Bajaj Housing Finance Home Loan, knowing the eligibility criteria and required documents in advance can make the process smoother. Along with attractive Bajaj Finance home loan rates, meeting these eligibility norms ensures faster approval and better loan offers.
Eligibility Criteria for Salaried Applicants:
- Applicant must be a resident of India
- Age: 23 to 67 years
- Employment: Individuals working in Private Companies, Public Sector Units, or MNCs are eligible
- Work Experience: Minimum 3 years
- CIBIL Score: 750 or above for better chances of approval and competitive Bajaj Housing Finance home loan interest rate
Eligibility Criteria for Self-Employed Applicants:
- Must be an Indian resident
- Age: 23 to 70 years
- Business Stability: Minimum 3 years of business continuity
- CIBIL Score: 750 and above to qualify for the best Bajaj Finance housing loan interest rate
Bajaj Finance Home Loan Interest Rates Balance Transfer – Eligibility
If you already have a home loan with another lender, you can transfer it to Bajaj Housing Finance to enjoy lower Bajaj Finance home loan rates.
For Salaried:
- Indian residents and NRIs are eligible
- Age: 23 to 62 years
- Employment: Should work in a reputed Private Company, PSU, or MNC
- Experience: Minimum 3 years
For Self-Employed:
- Applicant must be an Indian resident
- Age: 23 to 70 years
- Business vintage: At least 3 years with a steady income
Documents Required for Bajaj Finance Home Loan Interest Rates
To avail of a Bajaj Housing Finance home loan at an attractive Bajaj home loan interest rate, keep the following documents ready:
- Mandatory Document: PAN Card or Form 60
- KYC Proof: Recent photograph, Aadhaar Card, Passport, Voter ID, or Driving License
- Property Documents: Title deed, allotment letter, property tax receipt
- For Salaried Applicants: Last 3 months’ salary slips
- For Self-Employed: Business proof (minimum 5 years), ITR, and Profit & Loss statement
- Bank Statements: Last 6 months
- Additional (if applicable): Education certificates (for doctors) and COP for Chartered Accountants
Tip: A good credit profile and stable income can help you secure the lowest Bajaj Finance home loan rate, making your dream home more affordable.
Bajaj Finance Home Loan EMI Calculator – How to Calculate Bajaj Finance Home Loan Interest Rates EMI?
To calculate your Bajaj Finance home loan EMI, use the following formula:
EMI = [P x R x (1+R)^N] / [(1+R)^N-1]
Where:
- P = Loan amount
- R = Interest rate per month
- N = Loan tenure in months
Example:
Assume you have taken a home loan from Bajaj Finance for Rs. 30 lakh at an annual interest rate of 8.50% for a tenure of 20 years.
Calculate the monthly interest rate (R):
Monthly Interest Rate = Annual Interest Rate / 12
R = 8.50% / 12 = 0.0070833 (approx.)
Calculate the loan tenure in months (N):
Loan Tenure in Months = Loan Tenure in Years x 12
N = 20 years x 12 = 240 months
Plug the values into the EMI formula:
EMI = [30,00,000 x 0.0070833 x (1+0.0070833)^240] / [(1+0.0070833)^240-1]
Calculate the EMI using a calculator or spreadsheet:
EMI = [30,00,000 x 0.0070833 x 3.349924] / 2.349924
EMI = 72,150.78 (approx.)
So, the Equated Monthly Installment (EMI) for your Bajaj Finance home loan of Rs. 30 lakh, with an annual interest rate of 8.50% and a tenure of 20 years, would be approximately Rs. 72,150.78. This amount is payable every month for the entire loan tenure until the loan is fully repaid.
Bajaj Finance Home Loan Interest Rates Comparison with Other Banks | 2025
| Bank/ NBFC Name | Interest Rate |
| Axis Bank | 8.85% – 14.00% |
| Aditya Birla Capital Home Loan | 9% – 12.50% |
| Bandhan Bank | 8.65% – 13.65% |
| Bank of Baroda | 8.50% – 10.60% |
| Bank of India | 7.80% – 9.65% |
| Bank of Maharashtra | 8.40% – 10.80% |
| Canara Bank | 8.85%- 11.25% |
| Central Bank of India | 8.45% – 9.20% |
| Citibank | 8.45% |
| Corporation Bank | 8.60% – 11.20% |
| Dena Bank | 8.40% |
| Federal Bank | 10.15% – 10.30% |
| Fullerton Bank | 9.50% |
| HDFC Bank | 8.95% – 9.85% |
| HSBC | 8.60% |
| ICICI Bank | 9.00% – 10.05% |
| IDBI Bank | 8.75% – 11.45% |
| IDFC First Bank | 8.85% |
| Indian Overseas Bank Home Loan | 9.55% |
| Indiabulls Housing Finance | 8.75% |
| Jammu and Kashmir Bank | 8% |
| Karnataka Bank | 9.08% – 10.38% |
| Karur Vysya Bank | 9.23% – 12.13% |
| Kotak Mahindra Bank | 8.85% – 9.40% |
| LIC HFL | 8.70% |
| PNB HFL | 8.50% – 10.85% |
| Reliance Home Finance | 9.35% – 13% |
| State Bank of India | 8.25% – 9.65% |
| Sundaram Home Finance Ltd Home Loan | 6.95% – 8.30% |
| Tata Capital | 8.95% |
| Union Bank of India | 8.75% |
| YES Bank | 9.15% – 11.25% |
*Interest rates are subject to change without further notice.
Factors that Affect the Bajaj Finance Home Loan Interest Rates
Understanding what affects your Bajaj home loan interest rate can help you secure better terms and save more over your loan tenure. Here are the key factors that determine your Bajaj Finance housing loan interest rate:
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Credit Score: Your credit score is one of the most important factors. A higher score (750 and above) reflects strong creditworthiness and responsible financial behavior, helping you get a lower Bajaj Finance home loan rate.
- Income and Employment Stability: Applicants with a stable income and secure employment are more likely to enjoy favorable Bajaj home loan interest rates. Lenders prefer borrowers with consistent earnings and job stability as it reduces lending risk.
- Loan Amount and Tenure: The loan amount and repayment tenure also influence the interest rate. Generally, higher loan amounts or longer tenures may come with slightly increased rates due to higher risk exposure.
- Property Type: The type of property you finance — whether it’s ready-to-move, under-construction, or a plot — can impact your Bajaj Finance housing loan interest rate. Ready-to-move properties often attract lower rates as they carry less risk.
- Loan-to-Value (LTV) Ratio: A lower LTV ratio (the percentage of the property value financed by the lender) indicates lower risk for the bank. This can help you secure a more competitive Bajaj Finance home loan rate.
- Market Conditions: Interest rates are influenced by overall economic and market conditions. Factors like inflation, repo rate changes, or monetary policies can cause fluctuations in Bajaj home loan interest rates.
Tips to Avail Bajaj Finance Home Loan Interest Rates at Lower Interest
- Maintain a Good Credit Score: Ensure you have a good credit score by paying bills on time and managing existing debts responsibly.
- Compare Offers: Research and compare various loan offers to find the most competitive interest rates and terms.
- Negotiate with the Lender: If you have a strong credit profile, consider negotiating with the lender for a better interest rate.
- opt for a Shorter Tenure: Choosing a shorter loan tenure may result in a lower interest rate, even though the EMIs may be higher.
- Pay a Higher Down Payment: A higher down payment reduces the loan amount, which could lead to a more favorable interest rate.
- Include a Co-Applicant: Adding a co-applicant with a stable income and good credit history can increase the chances of getting a lower interest rate.
- Avail Seasonal Offers: Keep an eye out for seasonal or festive offers when banks may provide home loans at discounted interest rates or reduced processing fees.
Note: individual factors and market conditions can affect the final interest rate you are offered. To avail the best home loan interest rate from Bajaj Finance, focus on improving your creditworthiness and assessing various loan options available.
When considering a home loan, it’s essential to understand the factors that influence the Bajaj Finance Home Loan Interest Rate. As a leading financial institution, Bajaj Finance provides flexible and competitive home loan options, empowering aspiring homeowners to realize their dreams.
So, whether you are a salaried individual, self-employed professional, doctor, or NRI, exploring the diverse home loan options offered by Bajaj Finance can bring you closer to your dream home. Compare the offers, meet the eligibility criteria, and secure your future with a Bajaj Finance Home Loan Interest Rate that suits your needs best.
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Conclusion
Bajaj Finance offers some of the most attractive home loan interest rates in 2025, starting from 8.50% p.a., along with flexible repayment tenures of up to 40 years. Whether you’re a salaried employee, self-employed professional, doctor, or NRI, Bajaj Housing Finance provides tailor-made loan options to make homeownership simple and affordable. With quick approvals, transparent charges, and minimal documentation, Bajaj Finance ensures a smooth and hassle-free borrowing experience.
However, comparing multiple lenders, understanding eligibility, and managing documentation can often feel overwhelming — and that’s where NoBroker Home Loan Services can help you.
