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Bajaj Housing Finance Limited Home Loan

NBFC / HFC

Bajaj Housing Finance is the housing finance arm of the Bajaj Finserv group. It offers competitive entry rates at 7.15% and allows part-prepayment from day one. The rate spread is wide, so the actual rate you get depends heavily on your CIBIL score.

7.15%

Starting rate

13.50%

Max rate

Up to 0.50% of loan

Processing fee

30 yrs

Max tenure

Rates as of 2026-04-16. RBI repo rate 5.25%. Best available new-customer rate across all tracked lenders: 7.15%.

Already have a Bajaj Housing Finance home loan?

If your current Bajaj Housing Finance rate is above 7.15%, you are paying more than what Bajaj Housing Finance is offering new customers today. The gap could be anywhere from 50 to 635 basis points depending on when you took the loan and which benchmark it is on.

Check my overpayment Rate reset letter for Bajaj Housing Finance

Products offered

Bajaj Home Loan
Bajaj Balance Transfer
Bajaj Home Loan Top-Up
Bajaj Plot Loan

Best for: Borrowers who want part-prepayment flexibility from day one and a digital-forward HFC experience.

Strengths and weaknesses

+ Part-prepayment allowed from day one with no minimum amount.

+ Entry rate of 7.15% is competitive with the best PSU banks.

+ Fast processing leveraging the Bajaj Finserv digital ecosystem.

- Rate range is wide (7.15% to 13.50%), meaning weaker profiles pay a steep premium.

- Brand is newer in housing finance compared to LIC HFL or HDFC.

Rate reset at Bajaj Housing Finance

Bajaj Housing processes rate resets through the app and branch. The conversion fee is typically 0.25% of outstanding.

Get the rate reset letter template

Balance transfer friction

Low friction

Leaving Bajaj Housing Finance for a balance transfer is straightforward. Foreclosure letters are issued within a reasonable timeline and no foreclosure fee applies on floating-rate loans (RBI 2012 circular).

Read the foreclosure charges guide

Bajaj Housing Finance Limited home loan at a glance

Lender type	NBFC / HFC
Headquarters	Pune
Regulator	NHB (under RBI oversight)
Floating rate range	7.15% to 13.50% (EBLR-linked)
Processing fee	Up to 0.50% of loan
Max tenure	30 years
Max loan amount	₹5 Cr+
Prepayment charge	Nil on floating rate
Balance transfer friction	low
Official website	www.bajajhousingfinance.in

Data as of 2026-04-16. Rates are for salaried borrowers with CIBIL 750+. Verify with Bajaj Housing Finance for profile-specific quotes.

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