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Home Loan Overview

Bajaj Housing Finance offers a sizeable home loan of Rs.5 Crore* or even higher, based on eligibility. Our interest rates start at 8.60%* p.a. for eligible salaried individuals and professionals, with EMIs as low as Rs.776/Lakh*. With a flexible repayment tenor of up to 30 years, you can repay your EMIs conveniently.

We also offer other benefits, such as disbursal within 48 Hours* of document submission and approval, balance transfer with a top-up of Rs.1 Crore* or higher, basis eligibility, and online account management. A housing loan can also help you avail of tax benefits under various sections of the Income Tax Act (ITA).


Features & Benefits of Home Loan

Competitive Interest Rate of 8.60%*

Make the most of our attractive Housing Loan interest rate today. At 8.60%* p.a., salaried and professional applicants can benefit from Home Loan EMIs as low as Rs.776/Lakh*.

Home Loan Balance Transfer

Borrowers with an existing Home Loan can make the most of our features and benefits by transferring the balance amount to us. Interest rates start as low as 8.70%* p.a.

Repayment Tenor of 30 Years

Opt for a longer tenor to make your EMIs more affordable over the years. Choose a tenor of up to 30 years and repay comfortably.

Hassle-Free Application

Enjoy a truly hassle-free experience with our application process. Skip the branch visits and opt for our doorstep document pick-up service.

Zero Part-Prepayment and Foreclosure Charges

Home loan borrowers who are individuals with a floating interest rate can prepay parts of their home loan or foreclose the entire sum without any additional fees or penalty.

External Benchmark Linked Loans

You also have the option to link your Home Loan interest rate to an external benchmark, i.e., the Repo Rate, and benefit from reduced payouts during favourable market conditions.

5,000+ Approved Projects

Choose a property from our list of 5,000+ approved projects and enjoy the best borrowing terms, along with quick and hassle-free processing.

Loan Amount of Rs.5 Cr*

Don’t let the sanction amount be an issue when purchasing your dream home. Avail of a sizeable online Home Loan of Rs.5 Cr* or even higher, depending on your eligibility.

Top-up of Rs.1 Cr*

When you transfer your loan balance to Bajaj Housing Finance, you not only stand to benefit from a lower interest rate and reduced EMIs, but you also get the option to avail of a Top-up Loan – be it for debt consolidation or home renovation.

Disbursal in 48 Hours*

Home Loan applicants can expect to receive their sanction within 48 Hours* , following the approval of their application and documentation verification.

Customized Repayment Options

Want to purchase an under-construction property and pay only a part of your EMIs to begin with? With us, you benefit from customized repayment options.

Online Tools for Better Decision-Making

Home loan borrowers and applicants alike, can make good use of our online calculator tools to plan their repayment schedule and home loan applications better. The Eligibility Calculator and the EMI Calculator helps individuals arrive at their ideal home loan amount and tenor, that suits their financial standing.

Online Account Management

Borrowers continue to enjoy a seamless borrowing experience even after the amount is disbursed. One can access all their loan account details and related documents through the Bajaj Housing Finance Customer Portal, without any external dependency.

Home Loan EMI Calculator

Home Loan EMI Calculator

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Home Loan Eligibility Criteria

It is important to check the Home Loan eligibility criteria, so you can maximize your chances of approval. Our criteria vary on the basis of employment type.

Eligibility Parameters Salaried Self-Employed
Nationality Indian (Non-NRI) Indian (Non-NRI)
​​​Employment Minimum 3 years of work experience in a public or private sector company, or an MNC Minimum 5 years of vintage in the current enterprise
​​Age 23 to 62 years** 25 to 70 years**
Place of Residence Must reside in one of the cities we operate in Must reside in one of the cities we operate in

**Note: The upper age limit is considered as age at the time of loan maturity

Home Loan Document Checklist_WC

Documents Required for Home Loan

To complete your application, you will need to submit supporting documents for the personal, employment, income, and financial information you have mentioned on the form.


 KYC documents – Photo ID (Aadhaar Card, PAN Card, Voter ID, Driving Licence, etc.), residential proof (utility bills, Ration Card, Passbook, etc.)


 Salary slips – 3 months (salaried applicants, salaried professional applicants), proof of business (self-employed professional, non-professional applicants), etc.


 Education certificates – MBBS and above (self-employed professionals – doctors), valid COP (self-employed professionals – CAs), etc.


Bank account statement – 6 months, ITR, P&L statement (self-employed professional, non-professional applicants), etc.

Property related

 Title deed, property tax receipts, allotment letter, etc.

Note: Additional documents may be requested at the time of loan processing.


How to Apply for a Home Loan Online

If you’re wondering how to apply for a Home Loan, the below guide will walk you through our easy Home Loan application process.

  1. Visit the official website and navigate to the home loan application form
  2. Enter your full name, mobile number, employment type, income details, PIN code and the required loan amount.
  3. Enter the requested OTP and complete the rest of the application.

Once we receive your housing loan application, our representative will get in touch with you within 24 hours* to walk you through the next steps.


Home Loan FAQs

A home loan is a financial solution that enables individuals as well as entities to borrow funds for the purchase or renovation of a residential or commercial property. Our interest rate starts from 8.60%* p.a. for salaried and professional applicants.

Housing loans are secured loans, wherein the property to be purchased serves as the collateral against the loan amount. A certain extent of the property ownership remains with the lender, until the repayment amount has been repaid with interest.

Housing Loan processing fees refer to the main fee charged with every loan application. It is the amount the lender charges to process your application and extend funding. The fee varies from lender to lender and person to person. We charge a processing fee starting from 0.25% to 7.00% of the loan amount.

You borrow funds at a predetermined interest rate and agree to pay the sum (principal) back, with interest, over a predetermined time frame (tenor) through equated monthly instalments (EMIs).

The Repo Rate is an instrument used by the RBI to control lending and, ultimately, inflation in the Indian economy. Thus, a repo rate linked Home Loan where your interest rate is linked to the repo rate. It offers you more transparency in the rate setting mechanism and better transmission of benefits in favourable market conditions.

When you apply through our Online Home Loan application form, you can get a sanction letter in 10 minutes. The form is a DIY journey that allows you to avail of a digital sanction letter by submitting basic details and paying a nominal fee.

When availing of a home loan jointly, you can apply with your parents, spouse, children, or siblings as co-applicants. A few relationships are exceptions here, including married daughters and parents.

Depending on the end-use and application type, one can choose from a variety of Home Loans, including:

  • Fresh Home Loan
  • Home Loan Balance Transfer
  • Home Loans for Professionals
  • Home Renovation Loan

Yes, home loan borrowers can claim tax benefits under several exemption sections.

  • Section 24(b) – Up to Rs.2 Lakh p.a. (on interest)
  • Section 80C – Up to Rs.1.5 Lakh p.a. (on principal)

The exact minimum salary required for an online Home Loan can vary as per the location. Prospective borrowers should be able to showcase a minimum of Rs.30,000 as their monthly income to be considered for a Housing Loan.

Yes, you can avail of two Home Loans at the same time, depending on your eligibility. Your financial, income, employment, and credit profile will define whether you are in a position to service another loan and, subsequently, if you should be offered another sanction.


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