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Home Loans

Thank you for your interest
In case of any queries write to us at homeloan@bajajfinserv.in

Our Advantages

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Features and Benefits

We deploy technology and apply innovation to create unique and compelling propositions that help you do what you always wanted to do. Hereunder are a host of unique features and benefits that you enjoy with Home Loans from Bajaj Finserv Lending. Most of these features are industry firsts and come only with our portfolio of offerings. Read on to know more:

Total Loans
A unique offering to our home loan customers who are buying ready to occupy property. While we fund your dream home we also understand that you need to spend on the fixtures and fittings to make the place yours. As a part of the overall package, we offer you a separate amount exclusively for this.

If you have purchased your property within last 12 months by using own source of funds, you can avail of our refinance option and take a loan up to the registered value of your property.

Part Prepayment facility
You can prepay any amount per prepay transaction being not less than 3 EMIs. There is no limit on the maximum amount. This is subject to your clearing your first EMI.

Prompt Repayment Benefit
Get rewarded for keeping your commitments. Enjoy the exclusive Prompt Repayment benefit for paying your EMIs on time. If you clear your first 12 EMIs without any delays, you will get 0.5% of the annualized interest amount paid back to you. This facility will be available for the first three years of your loan tenor and will be paid at the end of every 12 months, subject to your paying the preceding 12EMIs paid on time.

Nil Foreclosure charges
Now you can choose to foreclose your loan anytime during your loan tenor without paying any foreclosure charges.

Online Account Access
Get all information about your loan like repayment track, interest certificate, payment schedule etc through our digital customer portal. Just log in with your loan account number and access whatever information you want about your loan.

Customised  Insurance Schemes

  • Group Credit Protection Plus from Bajaj Allianz
    • Non Medical Loan & Life Insurance of up to Rs. 100 Lacs
    • Level term Plan, which means you are covered for the complete amount despite reduction/ prepayment of loan amount
    • Coverage for the complete tenure of the loan up to a maximum of 30 years
  • Home Safe Plus from ICICI Lombard
    • Non Medical Insurance up to Rs. 3 Crores
    • Provides coverage against accidental death, permanent or total disability, diagnosis of critical illness and loss of job.
    • Coverage for 5 years.
  • Bajaj Allianz SFSP Policy
    • Bajaj Allianz’ SFSP Policy offers a comprehensive insurance cover for your home (i.e. residential building) against various contingencies to ensure that your prized possession is always safe!

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Eligibility and Documents

You are an Indian Resident
You are at least 28 years of age when the loan is sanctioned
You are a salaried individual with a work experience of 5 years or more
The minimum Loan amount is Rs.70 lacs in case of Delhi and Mumbai, Rs.50 lacs for Bangalore, Chennai and Chandigarh and Rs.30 lacs for all other locations


Self Employed Individual Firms & companies Salaried
Application form Yes Yes Yes
Photograph Yes Yes (Partner's/Director's) Yes
Identity Proof Yes Yes Yes
Address proof Yes Yes Yes
Signature Proof Yes Yes Yes
Date of Birth Proof Yes Certificate of incorporation Yes
Income Details IT Returns & Balance Sheet & P/L Account statement for the last 2 years IT Returns & Balance Sheet & P/L Account statement for the last 2 years IT Returns/ Form 16 for the last 2 years and last 3 months Salary Slips
Business Continuity Proof Five years Five years Appointment Letter/ Salary Slips
Bank Account Statements For Last 6 months For Last 6 months For Last 3 months
Partnership Deed - Yes (for partnership) NA
MOA/AOA - Yes(for companies) NA

*Kindly note that the list of documents mentioned is indicative. During loan processing additional documents may be asked for .The same will be appropriately communicated to you as and when required.

Fees and Charges

Types of fees Charges Applicable
Processing Fees 1% of the loan amount for Self Employed individuals
0.5% of the loan amount for Salaried Individuals
EMI bounce charges Rs.1000 for every bounce
Penal Interest 2.00% p.m
Foreclosure Charges * NIL

*Applicable following 1st EMI clearance.

Property Search Services

Searching for the perfect property is a task that requires guidance, at each step. We want to ensure that you get the best possible assistance right from search to purchase.

Click here to share your details and our Relationship Manager will get in touch with you.

Selecting a property through us brings you a bundle of benefits:

  • Access to structured real estate market information through newsletters and reports
  • Property search through the most credible, trained resources
  • Periodic updates on newly launched properties
  • Option of funding your property requirements from Bajaj Finserv Lending
  • Special offers only for Bajaj Finserv Lending customers
  • ‘Property Helpline’ to answer your real estate queries
  • Property valuation services at a preferential tariff

Interior Design Consultancy Services

At Bajaj Finserv Lending, we understand your needs and are in the business of crafting only the finest products and services with you in mind. In pursuit of bettering our best, we’re delighted to announce yet another privilege for you with pocket-friendly Interior Design Consultancy services - an industry first, exclusively for our Home Loan customers.

We've partnered with 24 professional Interior Designers across 6 cities, bringing their design expertise to create your home.

Features & benefits of this service

  • An industry first initiative giving you exclusive access to professional home designers in six leading cities in India - Bengaluru, Chennai, Delhi, Hyderabad, Mumbai and Pune
  • The advantage of access to skilled, professional services at half the price
  • An end to end home solution right from white label property search services, finance for your dream home, and now, interior design consultancy services too
  • Easy, online access to select an Interior Designer, through our customer portal
  • The option of a Total Loan* to fund the entire designing, should you choose one of these designers to design your home

*Total Loans are provided at the sole discretion of Bajaj Finserv Lending, guided by internal policies and criteria

How to apply

  • You will receive a Customer ID and Password for access to your loan account on our Customer Portal post approval of your Home Loan
  • You could access profiles of the Interior Designers on Customer Portal and make a selection
  • You would then need to agree to the terms and conditions of the service and submit the application
  • An email will be sent to you confirming your application on your registered email ID
  • Post this, the Interior Designer / Partner will contact you


  • If you are a Home Loan or a salaried Home Loan customer of Bajaj Finserv Lending in any of the 6 locations - Bengaluru, Chennai, Delhi, Hyderabad, Mumbai and Pune
  • This offer is valid on ready-to-move-in property and under-construction properties (where the loan is fully disbursed)
  • This offer is not valid on plots, plots under construction and self-construction cases


What services would the Interior Design Consultancy package cover?
  • Site visits - a site visit is done where the designer will meet the client personally, assess the site, understand client requirements which could then be transformed into concepts and plans
  • Survey & create a floor plan** - if the client does not have a blue print of the space, the designer would need to arrange a survey, post which a floor plan is drawn to scale. This floor plan will give the client a top view showing the relation between and placement of the various spaces and rooms. in most cases a floor plan is provided by the builder.
  • Furniture layout - this layout depicts the placement of furniture within the space - the designer will submit at least 2 furniture layouts depicting position of furniture and accessories like cabinets, upholstery, rugs etc.
  • Moodboards - are a collage/ composition comprising text and image of various materials, textures, colors creating a look and feel of the home.

**Most property developers provide floor plans to their clients. In this case a survey may not be required to create a revised floor plan.

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Monthly Real Estate Report

Our partnership with Jones Lang LaSalle gives comes with an exclusive bundle of benefits, one of which is a monthly all-India property research report released by JLL. This report contains all you need to know about the latest trends in real estate across all major cities in India


Monthly real estate report from Jones Lang LaSalle

December 2013

Monthly real estate report from Jones Lang LaSalle

November 2013

Monthly real estate report from Jones Lang LaSalle

October 2013

Monthly real estate report from Jones Lang LaSalle

September 2013

Monthly real estate report from Jones Lang LaSalle

Augest 2013

Monthly real estate report from Jones Lang LaSalle

July 2013

Monthly real estate report from Jones Lang LaSalle

June 2013

Monthly real estate report from Jones Lang LaSalle

May 2013

Monthly real estate report from Jones Lang LaSalle

April 2013

Monthly real estate report from Jones Lang LaSalle

March 2013

Monthly real estate report from Jones Lang LaSalle

February 2013

How to Apply

To apply for a Home Loan just call us on 1800-209-4151.

Frequently Asked Questions

What is the maximum amount I can get as Home Loan from Bajaj Finserv Lending?

We offer up to Rs.12.5 crore as Home Loan for Self Employed customers and up to Rs.10 crore for Salaried customers.

How do you determine my eligibility for a loan and the loan amount?

We consider the following factors to determine elgibility and loan amount
Valuation of Property (Fair market value)
Existing obligations, if any
Stability/Continuity of employment/Business

Can I get approval for home loan without finalizing on my property?

Yes, based on your income eligibility, we can offer you in-principle approval for your Home Loan. Based on this, you can identify the property you need to buy. The final sanction of your Home Loan will be based on the assessment of the identified property.

What is the maximum tenor that I can get for my Home Loan?

We offer a maximum repayment tenor of up to 20 years for Self Employed customers and up to 25 years for Salaried customers.

How is the interest calculated on my Home Loan?

The interest is calculated on monthly reducing balance at the prevailing rate of interest of your loan. Bajaj Finserv Lending offers Floating Interest Rates linked to the internal Floating Reference Rate (referred to as BFL FRR).

On what basis does the internal FRR change?

Internal FRR is the benchmark reference rate. This is determined based on the market conditions and the cost of funds for the company. This changes depending on various external factors and economic conditions.

How often do Interest rates change?

As per our re-pricing policy, interest rates are reviewed quarterly and a decision is taken whether to change the interest rates or keep it unchanged.

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What is the impact of change in Interest Rate?

The increase/ decrease in the Interest rate will by default increase/decrease the tenor of the loan with no change in the existing EMI.

What if I don’t want my tenor to change as a result of change in the Interest rate? Can I change my EMI and or do I have any other options?

You can increase / reduce your EMI with no change in tenor. You can make a part pre payment and keep both the EMI and the tenor the same as earlier These options are available to you without any additional fee. Please call our helpline number 1800-209-4151 for more details.

Can I repay the loan ahead of schedule?

Yes, you can repay the loan ahead of schedule, without paying any foreclosure charges subject to clearance of the first EMI

I have taken a loan just one month back. How does change in interest rates work for me?

As per our internal pricing policy re-pricing policy, interest rates will be changed only for those cases which are at least 3 months old. In your case, change in FRR will not have an immediate impact on interest rate of your loan. However once your loan is 3 months old, any changes in FRR in last 3 months will change your effective rate basis the margin on your loan.

Can Bajaj Finance Limited change the Spread between BFRR and customer rate of interest?

The Spread between BFRR and Customer Rate of Interest is fixed and will not change except in situation where customer rate is higher than Max Rate Cap as per Proactive Repricing Policy*. Change in spread will always be done to give advantage of BFL Max Rate Cap as per Proactive Repricing Policy to customer and maintain customer rate at Max Cap Rate. In case of decrease in BFRR no change in spread / margin will be done.

*Refer Proactive Repricing Policy in Section Agreement and T&C of Home Loan

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Contact us

Not yet an existing customer?

You can visit our branch or call us at 18002094151.

For Existing Customers

IVR - Toll Free
  • Dial 18002094151
  • Enter your 7-digit BFL Customer ID
  • Select from various IVR options
  • Access IVR in 10 languages: English, Hindi, Bengali, Marathi, Punjabi, Gujarati, Tamil, Telugu, Kannada and Malayalam  
  • Acess to all loan details

wecare@bajajfinserv.in for all your queries.

SMS Updates

SMS  <<keyword below>> to +91 92275 64444
GETEMAIL for your current email address
UPDEMAIL <New email> to update your email address
GETADD for your current registered email address
CUSTID to know your customer ID
LAN to know your Loan Account Number
EMI LAN to know your loan/ EMI details
PIN to know your 4 digit EMI card PIN
FEEDBACK to give your valuable feedback
SAT Y Give a positive feedback
SAT N to give a negative feedback
(Your mobile number should be registered with us for this facility). Standard SMS Charges applicable

Visit Our Branch

  • Change of mode of payment (Swapping)
  • Purchase/cancellation of Insurance policy
  • Foreclosure of loan
  • Refund

To know the address of your nearest branch Click here

Customer Portal

  • www.bajajfinservlending.in
  • Log in using your User ID and Password
  • Access all loan details
  • Manage your loans 
  • View special offers

Agreements and T&C

Repricing Policy
The floating interest rate for Home Loan is linked to the internal Floating Reference Rate. It is the benchmark reference rate for Bajaj Finance Limited and is determined based on the prevalent market conditions and the cost of funds, as the cost of funds reduces/increases or as market conditions change internal FRR may be increased or reduced. The current FRR is 20.15% effective 5th March 2014. Any revision in this rate would impact the interest rate on the floating interest rate loans. The increase/decrease in the Interest rate will by default increase/decrease the loan tenor up to permissible as per BFL norms. In case of increase in interest rate, if you want to retain your existing EMI/Tenor, you will have an option of making a part prepayment and keeping your EMI/Tenor constant. No additional charges would be levied for the same. The communication on the changes (Increase/decrease) in the rate of interest would be sent by mail.

Proactive Repricing Policy
During the entire tenor of your loan, under no scenario will your Rate of interest exceed by 0.75% over the last quarter average Bajaj Finance acquisition rate. The pricing increase happens only in the scenario of an increase in the Cost of Funds and this policy is being put in place as a proactive measure to ensure that there is no inordinate increase in your loan pricing against new acquisitions and there is always parity for your loan.

If a customer rate of interest exceeds the current BFL last quarter average acquisition rate by 0.75%, then such cases are reviewed every year in April and October and proactive correction is done in the rate by bringing it down to BFL last quarter average acquisition rate + 0.75%. For example if a customer Loan Account rate of interest is 12.25% in April/October v/s our last quarter average acquisition rate of 11.00% then in April / October we will review the same and revise the customer loan account rate of interest downwards equal to BFL last quarter average acquisition rate + 0.75%. i.e. 11.75% without any reduction in BFRR. This is done by increasing the spread / margin between your rate and BFRR.

Applicable to:-

  • Salaried Home Loans
  • Self Employed Home Loans

Exclusions:- Customer who will not be part of this policy

  • Less than 6 EMI Paid Loan Accounts
  • Flexi Saver Loans
  • Plot Loans
  • Loan Accounts where there are 3 or more EMI’s are dishonoured in last 12 months prior to Proactive Repricing day
  • Loan Accounts who have ever delayed EMI Payment by more than 30 Days during tenor of the loan