Bajaj Finance Home Loan
Bajaj Housing Finance Home Loan — competitive starting rate with door-step documentation and top-up up to ₹1 crore.
At 7.25%, Bajaj Finance has one of the lowest starting rates of the 20 lenders we track for home loans.
Documents required
- PAN Card
- Aadhaar Card
- Income proof
- Property documents
- Agreement to sell
- Builder NOC
As published by Bajaj Finance. Your branch may ask for more.
Best for: Mid-to-premium borrowers wanting NBFC speed with access to a ₹1 crore top-up facility.
Eligibility
The upper age limit is set so the loan closes by retirement.
Loan terms
- Top-up facility up to ₹1Cr
- Bajaj Finserv ecosystem integration
- Door-step documentation
Fees & charges
Tax: principal up to ₹1.5L under 80C and interest up to ₹2L under 24(b) per year for a self-occupied home (subject to conditions). Confirm with a tax adviser.
FAQ
Most home loans are floating (EBLR/repo-linked). Floating-rate loans to individuals carry no foreclosure charge, so you can prepay freely — usually the better choice unless you specifically need rate certainty.
Every row is date-stamped with the day we last checked it, and links to the lender’s published material so you can confirm it yourself. A row we confirmed against the source reads “Verified”; one we could only sight reads “as of”, and is not presented as confirmed. Anything we have not re-checked in 60 days is marked “rate under review” rather than left to look current. We do not claim a fixed re-checking cycle — the date on each row is the honest answer.
No. Viewing rates is not a credit enquiry and has no score impact. A hard enquiry happens only when you formally apply to a lender.