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About BAJAJ FINSERV Home Loans

Bajaj Finserv is a trusted name for Indian real estate investors and homebuyers, offering home loan interest rates starting at 8.50%* p.a. and EMIs as low as Rs. 733/Lacs*.


Types of BAJAJ FINSERV Home Loans

Bajaj Finserv offers comprehensive home loan solutions tailored to your diverse needs and preferences. Some of them are mentioned below:

Here are some loans offered by Bajaj Bank:

Fresh Home Loans

Simplified application process for quick initiation of your homeownership journey.

Competitive interest rates starting from 8.50%* p.a., making homeownership more affordable.

Flexible repayment options with tenures of up to 40 years, ensuring comfortable EMI payments.

Home Loan Balance Transfer

Opportunity to save money and reduce loan burden by transferring existing home loans.

Lower interest rates starting from 8.50%* p.a., leading to significant interest savings.

Hassle-free transfer process with minimal paperwork and formalities.

Home Loan Top-up

Access to additional funds for various personal or financial needs.

Quick processing with a straightforward application and approval process.

Pre-approved Home Loan

Exclusive offers for existing customers with attractive interest rates.

Swift approval within 48 hours* to seize opportunities promptly.

Hassle-free journey from application to disbursement for a seamless experience.

BAJAJ FINSERV Home Loan Interest Rates

Interest Rate* 8.50% onwards
Loan Amount Depends on the applicant’s credit score
Loan Tenure Up to 40 years
Processing Fees Up to 7 % of the loan amount

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Note*: The interest rates shown here are as of Feb 2024. The above rates are subject to change at the bank’s discretion in accordance with RBI guidelines. Applicants are advised to check with the bank to determine the interest rate for their loans at the time of application.

Eligibility for BAJAJ FINSERV Bank Home Loans

The applicant must meet the following criteria to qualify for BAJAJ FINSERV bank home loans.

Eligibility Criteria BAJAJ FINSERV Home Loans
Age Minimum: 23 years. The maximum for Salaried Individuals is 65 years. The Maximum for self-employed individuals is 75. The upper age limit is considered the age at loan maturity.
Maximum loan amount Up to ₹15 crore
Tenure Maximum up to 40 years
Interest rates 8.50% onwards
Maximum EMI as percent of income Up to 65%

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Assessing Eligibility for BAJAJ FINSERV Bank Home Loans

Several key factors are considered to be eligible for a BAJAJ FINSERV Bank home loan. Applicants must meet the following criteria:

Income for BAJAJ FINSERV Bank Home Loans

  • BAJAJ FINSERV Bank extends home loans to salaried employees, professional individuals, and self-employed individuals. Remember that your net monthly income lays the foundation for eligibility, and higher incomes correlate to increased loan amounts. This is the amount you retain after tax deductions and other obligatory expenses.
  • If you wish to increase your eligibility, add a co-applicant – it increases the combined net monthly salary that the bank considers, potentially expanding the limits of your loan amount.

Property Value Parameters for BAJAJ FINSERV Bank Home Loans

  • BAJAJ FINSERV Bank employs loan-to-value (LTV) ratios rather than disbursing loans equal to the total property value. These ratios are contingent upon the assessed value of the property in question. Considering property value, BAJAJ FINSERV employs loan-to-value (LTV) ratios, of up to 80%.

CIBIL Score for BAJAJ FINSERV Bank Home Loans

  • A CIBIL Score of 725 or higher is ideal for home loan approval at Bajaj Finserv. In India, the CIBIL score is the sum of the applicant's credit history and past financial conduct, which is very important to maintain an optimal score.
  • A high score increases your chances of loan approval, while a low one may hinder the process.

FOIR Focus for BAJAJ FINSERV Bank Home Loans

  • FOIR, or Fixed Obligation to Income Ratio, is another critical factor for BAJAJ FINSERV Bank's home loan eligibility. This ratio compares your fixed financial commitments vis-à-vis monthly income, including current EMIs, if any. BAJAJ FINSERV Bank stipulates a minimum FOIR of 0.65 as a prerequisite for home loan eligibility

Age, income, property value, CIBIL score, and FOIR collectively qualify your bajaj Bank home loan eligibility. The right balance ensures a smooth and successful loan approval process.

BAJAJ FINSERV Home Loan Applications - Simplified

Applying for an BAJAJ FINSERV Bank Home Loan is a straightforward, streamlined process designed to simplify your journey to homeownership. Here's a concise guide on how to apply, along with the necessary documents:

Here's a concise guide on how to apply, along with the necessary documents:

Check Your Eligibility For BAJAJ FINSERV Bank Home Loan

  • Assess factors such as age, income, credit history, FOIR, and dependents to gauge eligibility.
  • Ensure you meet BAJAJ FINSERV Bank's eligibility criteria before proceeding.


Apply Online

Apply online for a loan


Download Application

Download and fill out the Application form accurately


Keep Documents Ready

Gather all essential documents, including identification proof


Start Verification Process

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Document Checklist BAJAJ FINSERV Home Loan

List of papers/documents applicable to all applicants:

  • Employer Identity Card
  • Proof of Identity (Any one of the following) : PAN/ Passport/ Driver’s License/ Voter ID card
  • Loan Application: Completed loan application form duly filled in, affixed with 3 Passport size photographs

Property Papers

  • Permission for construction
  • Allotment Letter/Stamped Agreement for Sale
  • Occupancy Certificate
  • Conveyance Deed (For New Property)
  • Maintenance Bill, Electricity Bill, Property Tax Receipt
  • Approved Plan copy & Registered Development Agreement of the builder.
  • Payment Receipts for payments made to Builder/Seller

Account Statement

  • Last 6 months Bank Account Statements for all Bank Accounts held by the applicant/s
  • If the applicant has availed of a loan from other Banks/Lenders, then the Loan A/C statement for the last 1 year

Income Proof for Salaried Applicant

  • Salary Slip or Salary Certificate for the last 3 months.
  • Copy of Form 16 for the last 2 years or copy of IT Returns for the last 2 financial years, acknowledged by IT Dept.

Income Proof for Non-Salaried Applicant

  • Business address proof
  • IT returns for the last 3 years.
  • Balance Sheet and Profit & Loss A/c for last 3 years
  • Business License Details (or equivalent)
  • TDS Certificate (Form 16A, if applicable)
  • Certificate of qualification (for C.A./doctor and other professionals)

* Please note that a co-applicant/guarantor for the home loan will also be required to provide any or all of the above documents upon request for loan approval.

Additional Documents Based on Employment Type For Bajaj Home Loan

Salaried Individuals

  • Sale Deed
  • Title Deed
  • Driving License
  • Approved Building Plan
  • Occupancy Documents

Self- Employed Individuals

  • Audited financial statements (last two years)
  • GST Registration
  • Trade License
  • Partnership Deed
  • Occupancy Documents
  • ROC Registration Certificate

List of Documents Required to Apply for BAJAJ Bank Home Loan

Documents Salaried Self-employed Professional Self-employed non Professional
Application form with photograph duly signed
Identity, address and age proof
Bank statements of last 6 months
Salary slips of last 3 months
Processing fee cheque
Form 16/Income Tax Returns
Proof of Business existence
Business profile
CIBIL Score of 725 or Higher

Disclaimer : Bank policies and interest rates are subject to fluctuations and may vary over time. For accurate and up-to-date information, we recommend you talk to a member of the Save Max team. The information provided on this page is referenced from the bank's website (


How do you apply for a Bajaj Finserv Home Loan?
To apply for a Bajaj Finserv Home Loan through Save Max, connect with our team. We'll guide you through the process, help with forms and documents, and ensure a smooth submission to our banking partner. With Save Max's assistance, getting your Bajaj Finserv Home Loan becomes streamlined and hassle-free.
What documents are needed for a Bajaj Finserv Home Loan?
To initiate your Bajaj Finserv Home Loan application via Save Max, you must furnish documents such as proof of identity, address, income, property-related confirmations, and bank statements.
What is the maximum tenure for a Bajaj Finserv Home Loan?
The tenure for a Bajaj Finserv Home Loan can vary but typically extends up to 30 years.
How can you increase the chances of getting a larger Bajaj Finserv Home Loan?
Higher income, a strong credit score, a co-applicant, lower debts, and a higher-value property can help. However, each bank has its guidelines on this. Typically, banks lend 80 to 85% of the property's value. If EMI amounts restrict your loan size, extending the loan period can potentially increase the loan amount you qualify for.
What is the maximum loan amount that Bajaj Finserv Home Loans offer?
The amount depends on your eligibility, income, and loan product. The maximum home loan amount available through Bajaj Finserv Home Loans ranges from 75% to 90% of the property cost. You get funding to acquire your dream home, home improvement, or extension needs.
What are the Tax benefits of Bajaj Finserv Home Loans?
Yes, you can take advantage of Tax benefits with Bajaj Finserv Home Loans. Tax deductions may apply on principal (Section 80C) and interest (Section 24(b)) repayments under Indian tax laws. Consult a tax professional for accurate information as applicable to you.
What is an EMI for Bajaj Finserv Home Loans?
EMI is a fixed monthly installment covering the principal and interest. It's calculated based on the loan amount, tenure, and interest rate. Use the Save Max EMI calculator to help with precise calculations.