Bajaj Finserv Home Loan

Are you tired of waiting for home loan approvals? Not anymore! Bajaj Finserv home loan promises quick approval processes for its home loan applications with minimal paperwork. Its interest rate starts at 8.50% p.a. with a processing fee of up to 7% of the loan amount. Top-up loans of Rs. 1 crore or higher can be availed with Bajaj Finserv for a maximum repayment tenure of 25 years. 

Bajaj Finserv Home Loan EMI Calculator

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Bajaj Finserv Home Loan Highlights

Get the lowest interest rates with Bajaj Finserv Home Loan

Loan Amount Up to Rs. 15 crore
Rate of Interest 8.50% p.a. onwards
Processing Fee

Up to 7% of the loan amount

Maximum Tenure for Repayment 25 years
Penal Rate of Interest
Rate Packages Fixed/ Floater
Charges for Prepayment/Foreclosure

Bajaj Finserv Home Loan Interest Rates in 2024

Customers seeking a home loan facility from Bajaj Finserv can avail of the loan at a rate of interest starting at 8.50% per annum.

The table below shares the Bajaj Finserv home loan interest rate for different loan applicants:

Loan Slab Interest Rate for Home Loan
Salaried 8.50% - 15% p.a. 
Self-employed 9.10% - 15% p.a. 

Interest rates were last updated on 30th April 2024

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Bajaj Finserv Home Loan Eligibility Criteria

Customers who apply for a home loan with Bajaj Finserv must meet the NBFC’s eligibility requirements. Given below are the commonly-acceptable Bajaj Finserv home loan eligibility criteria for applicants: 

Eligibility Parameters For Salaried Individuals For Self-Employed Individuals
Age Range (in years) 23 - 70 years 23 - 70 years
Nationality Indian citizen and resident Indian citizen and resident
Minimum Income Earned

Bajaj Finserv Home Loan Processing Fee and Charges

To help cover the costs involved in processing a home loan application, Bajaj Finserv enables a processing fee of up to 7% of the loan amount for all home loan applicants. Some other charges are also enabled by the NBFC as part of the process. These include: 

Processing Fee

7% of the loan amount

Penal interest

Up to 24% p.a. + applicable interest rate on the amount overdue

Principal statement and interest charges


Foreclosure charges


Bounce charges

Rs. 500 onwards (for loan amount up to Rs. 15 lakh; varies with increase in loan amount)

Secure fee

Up to Rs. 10,000 + GST

Part-prepayment charges


Hard copy loan statement charges

Up to Rs. 500 per request + GST

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Bajaj Finserv Home Finance Schemes and Top Plans

Bajaj Finserv offers the following 4 types of home loan plans to its applicants: 

Fresh Home Loan

  • Attractive rate of interest
  • Simple application process
  • Flexibility in repayment

Home Loan Top-Up

  • Faster loan processing
  • Top-up feature to cover contingencies

Home Loan Balance Transfer

  • Simple process to enable the transfer of balance loan amount from another bank
  • Relatively lower interest rates

Pre-approved Home Loan

  • Faster loan approval within 48 hours
  • Exclusive pre-approved offers for existing bank customers
  • Simplified and hassle-free loan application process

Note: All of the above home loan plans are made available to applicants solely at the discretion of Bajaj Finserv Home Loan, taking into consideration the earning and repayment capacity of the applicant.

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Documents Required for Bajaj Finserv Home Loan

Given below is the complete list of Bajaj Finserv home loan documents required as part of the home loan application process:

Documents Required for Salaried Applicants

Proof of Income
  • Bank statement for last 6 months
  • Salary slip for last 3 months
  • Form 16/IT returns for last 2 years
Other Required Documents
  • Proof of ID 
  • Recent passport-sized photographs
  • Property-related documents
  • Proof of address

Documents Required for Self-Employed Applicants

Proof of Income
  • Company’s incorporation details
  • Profit & loss account
  • Registration of VAT & Service Tax
  • Proof of business address
  • CA-certified balance sheets  
Other Required Documents
  • CA-audited financial statements
  • Proof of Business Establishment
  • Bank account statement for the last 6 months

Common Documents Required from Both Salaried and Self-Employed Applicants

Type of Document Documents Required
Identity & Address Proof
  • Valid DL
  • Aadhar card
  • Passport
  • Voter’s ID
Documents Related to Property
  • Sale Deed
  • Letter of Allotment
  • Occupancy Certificate
  • Receipts of payment to builder
  • Copy of approved plan
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How to Apply for a Bajaj Finserv Home Loan?

To be able to avail of a Bajaj Finserv home loan, apply through the following simple ways:

Through the BASIC Home Loan portal:

  1. Go to the official website of BASIC Home Loan and click on ‘Apply Now’.
  2. Enter your name and other details.
  3. Submit the form.
  4. The BASIC Home Loan team will contact you for help in applying for a Bajaj Finserv home loan.

Find Bajaj Finserv Home Loan Offices Near You

Bajaj Finserv Home Loan operates all over India, meaning that you will find no difficulty in locating an office of the NBFC near you. Alternatively, you can seek assistance from the BASIC Home Loan team in applying for a home loan with Bajaj Finserv.


Interest rates and fees on home loans vary based on eligibility and lender criteria. All applicable fees and charges are subject to relevant taxes and can change at the lender’s discretion. For the most current information on home loan interest rates, processing fees, other applicable charges, and updates on eligibility criteria and loan offers, please visit the official website of the bank.


Yes, the NBFC allows foreclosure on the home loan any time after the payment of the first EMI.

Bajaj Finserv accepts home loan applicants with a CIBIL score of 725 or higher. 

Bajaj Finserv allows faster home loan processing within just 48 hours of the application.

Applicants can make convenient online EMI payments via debit/credit card, the official Bajaj Finserv app, bank transfer or NEFT, mobile wallets, and the BBPS platform.

Yes, the NBFC does offer fixed rates of interest that tend to remain the same throughout the term of the loan. 

Bajaj Finserv offers floater and fixed interest rate packages on home loans to eligible customers.