✓ Authorised DSA Partner
Home Loan
Bajaj Finance Home Loan
Bajaj Finance offers competitive home loans with attractive interest rates starting at 7.15% p.a., flexible tenure up to 32 years, NIL prepayment charges, and fast digital approvals. Get instant pre-approval and enjoy hassle-free processing for home purchase, balance transfer, and affordable housing schemes.
7.15%–20%
Interest Rate (p.a.)
₹5L – ₹15Cr
Loan Amount
Up to 32 Years
Max Tenure
Up to 4% + GST
Processing Fee
NIL
Prepayment
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Prepayment
🏠 Home Loan
7.15% – 20%
₹5L – ₹15Cr
Up to 4% + GST
Up to 32 Years
NIL (Floating Rate – Individual)
🔑 Balance Transfer
7.15% Onward
₹5L – ₹15Cr
Up to 4% + GST
32 Years
Up to 4%*
🏘️ Affordable Housing
7.15% – 20%
Up to ₹15Cr
Up to 4% + GST
32 Years
Zero charges for individuals
📑 Required Property Documents – Home Loan
Sale Agreement / Agreement to Sell
Title Deed / Sale Deed (chain of ownership)
Approved Building Plan from Authority
NOC from Builder / Housing Society
Property Tax Receipts (latest)
Occupancy Certificate (for ready property)
Encumbrance Certificate (last 13 years)
Allotment Letter (for under-construction)
Loan Against Property
Bajaj Finance LAP
Unlock the equity in your property with Bajaj Finance’s Loan Against Property — competitive rates from 7.5% p.a., high loan amounts up to ₹10.50 Crore, NIL prepayment charges, and flexible end-use for business expansion, debt consolidation, or personal needs.
7.5%–18%
Interest Rate (p.a.)
Up to ₹10.50Cr
Loan Amount
Up to 15 Years
Tenure
Up to 4% + GST
Processing Fee
NIL
Prepayment
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Prepayment
🏢 Residential LAP
7.5% – 18% p.a.
Up to ₹10.50Cr (higher as per eligibility)
Up to 4% + GST
Up to 15 Years
NIL (Floating Rate – Individual)
🏬 Commercial LAP
~8% – 13%
Up to ₹10.50Cr (as per valuation)
Up to 1.5% + GST
Up to 15 Years
NIL*
🔄 LAP Balance Transfer
8.45% Onward
Up to ₹10.50Cr (as per valuation)
Up to 4% + GST
15 Years
Up to 4.72%
📑 Required Property Documents – Loan Against Property
Ownership Proof (Sale Deed / Title Deed)
Property Valuation Report from Bank’s Empanelled Valuer
Chain of Documents (all prior sale deeds)
Encumbrance Certificate
Property Tax Receipts (latest)
Approved Building Plan / Layout Plan
NOC from Society / RWA (if applicable)
Rent Agreement (if rental income property)
Personal Loan
Bajaj Finance Personal Loan
Get instant personal loans up to ₹40L with Bajaj Finance. Pre-approved offers for existing customers, minimal documentation, and instant disbursal for selected applicants.
10%–30%
Interest Rate (p.a.)
Up to ₹55L
Loan Amount
12–96 Months
Max Tenure
Up to 4.72% Incl. taxes
Processing Fee
Instant
Approval (Pre-approved Users)
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Foreclosure
👔 Salaried Personal Loan
10.49% – 17.50%
₹50K – ₹40L
Up to 2% + GST
12–72 Months
2%–5%
💼 Self-Employed Personal Loan
~11% – 18%
₹50K – ₹40L
Up to 2% + GST
12–60 Months
2%–5%
⚡ Pre-approved Personal Loan
10.49% Onward
Up to ₹40L
Low/Nil
Up to 72 Months
2%–3%
Business Loan
Bajaj Finance Business Loan
Fuel your business growth with Bajaj Finance’s business loans. Unsecured loans up to ₹80 Lakh, Flexi/OD/CC facilities, fast disbursal with minimal documentation for businesses with 2+ years vintage.
14%–23%
Interest Rate (p.a.)
₹50K – ₹80L+
Loan Amount
Up to 8 Years
Max Tenure
Up to 4.72% + GST
Processing Fee
Fast Disbursal
Approval Time
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Foreclosure
🏢 Collateral-Free Business Loan
14% – 23%
₹50K – ₹75L+
Up to 4.72% + GST
Up to 8 Years
3%–5%
🔄 Dropline Overdraft
14% – 23%
₹50K – ₹80L+
Up to 4.72% + GST
Up to 8 Years
3%–5% / Flexible
⚡ Pre-approved Business Loan
14% – 23%
₹50K – ₹80L+
Up to 4.72% + GST
Up to 8 Years
3%–5%
Loan Against Securities
Bajaj Finance Loan Against Securities
Leverage your investment portfolio with Bajaj Finance’s Loan Against Securities. Get instant liquidity against mutual funds, shares (1000+ approved stocks), bonds, and insurance policies — with pre-approved limits and minimal documentation.
8%–15%
Interest Rate (p.a.)
Up to ₹5Cr
Loan Amount
12 Months
Tenure (Renewable)
Up to 50–90%
LTV (Debt: 90%, Equity: 50%)
Up to 4.72%
Processing Fee
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Foreclosure
📊 Against Mutual Funds
8% – 15%
Up to ₹5Cr
Up to 4.72%
12 Months
Up to 4.72% (sanctions > ₹5Cr)
📈 Against Shares
8% – 15%
Up to ₹1Cr (50% of market value)
Up to 4.72%
12 Months
—
🏦 Against Bonds / Insurance
8% – 15%
Up to ₹1Cr (50% of market value)
Up to 4.72%
12 Months
—
Eligibility Criteria
Who Can Apply?
Select your loan type to view the relevant eligibility requirements.
🏠 Home Loan
Eligibility – Bajaj Finance Home Loan
- Salaried or Self-Employed Indian Resident / NRI
- Age: 18–70 years (loan must close before age 70)
- Min. income: ~₹25,000/month (salaried)
- Min. CIBIL Score: 700+
- Employment: Min. 2 years (3 years for SEP/business)
- Property in Axis-approved locations / jurisdictions
- Approval Time: 3–5 working days
🏢 Loan Against Property
Eligibility – Bajaj Finance LAP
- Salaried, Self-Employed or Business Owner
- Age: 21–70 years
- Min. income: ~₹30,000/month
- CIBIL Score: 700+
- Clear property title in borrower’s name
- Property: Residential or Commercial (LTV up to 65–70%)
👤 Personal Loan
Eligibility – Bajaj Finance Personal Loan
- Salaried employees of reputed companies
- Self-employed professionals and business owners
- Min. salary: ~₹25,000/month (net)
- Min. CIBIL Score: 720+
- Age: 21–58 years (salaried); 21–65 years (self-employed)
- Min. 1 year employment / 2 years business continuity
💼 Business Loan
Eligibility – Bajaj Finance Business Loan
- Proprietorship, Partnership, Pvt. Ltd., or LLP
- Business vintage: Minimum 2–3 years
- Min. annual turnover as per bank norms
- CIBIL Score: 700+
- Age: Proprietor/Director 21–65 years
- ITR filing required for last 2 years
📈 Loan Against Securities
Eligibility – Bajaj Finance Loan Against Securities
- Individual investors with Demat holdings
- Eligible securities: Mutual Funds, Listed Shares, Bonds, Insurance Policies
- Min. portfolio value as per bank’s approved list
- CIBIL Score: 700+
- Age: 18–70 years
- Demat account with Axis or other approved depositories
Why Bajaj Finance
Key Benefits
Unmatched advantages that make Bajaj Finance a top choice for home, property, personal, and investment-backed loans across India.
India’s Trusted Private Bank
One of India’s top-3 private sector banks with a strong balance sheet and decades of financial excellence.
Superior Digital Ecosystem
Industry-leading digital infrastructure with pre-approved loans, instant online processing and e-sign capabilities.
Competitive Loan Rates
Home loan rates starting at 8.00% p.a. and a wide range of products across secured and unsecured loan categories.
Transparent Pricing
No hidden charges. All fees disclosed upfront — processing, legal, and valuation are clearly stated at sanction.
Strong LAS Offering
Strong Loan Against Securities product with LTV up to 70–80% against mutual funds, listed shares, and bonds.
Pre-approved Offers
Wide ecosystem of pre-approved loan offers for existing Bajaj Finance customers enabling instant disbursal.
Why Apply Through Us
Your Advantage with Us
We’re an authorised Bajaj Finance DSA partner — not a random aggregator. Here’s what you get.
Zero Cost Service
Our consultation, eligibility check, documentation support and follow-up is completely free of charge.
Complete Property Check
We verify legal paperwork, missing approvals, builder track record and hidden market value before you commit.
Direct Bank Access
Skip the queue — our direct bank relationship means faster processing and access to special rate offers.
Multi-Bank Comparison
We compare across 20+ lenders so you always land the best rate, not just Bajaj Finance’s standard offer.
End-to-End Support
From application to disbursal and even post-loan queries — one point of contact for everything.
Data Privacy
Your documents and personal data are handled with bank-level confidentiality. Never shared without consent.
Apply Now
Get Your Free Consultation
Fill the form below — our loan expert will call you within 30 minutes.
Let us get you the best loan deal
No obligation. No spam. Just a quick call from our certified loan advisor.
- ✓ Free eligibility check in 2 minutes
- ✓ Zero documentation hassle
- ✓ Best rate negotiation on your behalf
- ✓ No hidden charges, ever
- ✓ Callback within 30 minutes
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⚠️ Important Disclaimer
We are an authorised DSA (Direct Selling Agent) partner of Bajaj Finance and other lenders. We are not a direct lender and do not disburse loans ourselves. Our service is a free facilitation service to assist borrowers with their loan applications. Final loan approval, interest rates, loan amount, tenure, terms and conditions are solely at the discretion of the respective bank or NBFC.
Interest rates, processing fees and eligibility criteria shown are indicative and subject to change at the time of sanction based on your credit profile, income, applicable RBI guidelines, and Bajaj Finance’s internal credit policy. All loan applications are subject to Bajaj Finance’s standard credit assessment. We do not charge any fee from borrowers. Please read all loan documents carefully before signing.
Common Questions
Frequently Asked Questions
Bajaj Finance generally requires a minimum CIBIL score of 700 for home loans and LAP, and 720+ for personal loans. A score of 750+ improves your chances of getting the lowest interest rate. If your score is below the threshold, we can guide you on improving it before applying.
Bajaj Finance typically approves home loans within 2–5 working days for complete applications. With our DSA assistance, we ensure all documents are in order to avoid delays — often getting approvals faster for eligible applicants with a strong digital profile.
Yes. Bajaj Finance offers an Under Construction Home Loan. The loan is disbursed in tranches linked to construction stages. Interest is payable only on the disbursed amount during construction (Pre-EMI), and full EMIs begin after final disbursement.
A Loan Against Securities lets you borrow money by pledging your investments — mutual funds, shares, bonds, or insurance policies — as collateral. You retain ownership of your investments and can continue earning returns. Bajaj Finance offers LAS up to ₹20 Cr with LTV up to 70–80% against eligible securities. Demat holdings are required.
No. As per RBI guidelines, there is no prepayment penalty on floating rate home loans from Bajaj Finance. Home loans are primarily offered on floating rates, so prepayment and part-payment are completely free at any time during the loan tenure.
For salaried applicants: PAN, Aadhaar, last 3 months’ salary slips, last 6 months’ bank statements, and Form 16. For self-employed: PAN, Aadhaar, last 2 years’ ITR, bank statements, and business proof. Additionally, property documents including sale deed, approved building plan, and encumbrance certificate are required.
Bajaj Finance offers LTV (Loan-to-Value) of up to 50-70% depending on property type. Residential properties may get up to 70% LTV while commercial properties typically get up to 50-65%. The exact LTV depends on the property valuation, location, and your credit profile. The property must have a clear title and be free of any encumbrances.
Absolutely not. Our service is 100% free for borrowers. We earn a referral fee from the bank — not from you. There is no consultation charge, documentation charge, or any other fee from our side. You only pay the bank’s standard processing fee which is the same whether you apply directly or through us.