Bajaj Housing Finance Home Loan: Rates, Eligibility & Fees 2026
Bajaj Housing Finance offers home loans to buy, build or renovate a home. Butter Money compares Bajaj Housing Finance's offer with similar lenders for your profile and handles the paperwork with you until disbursal.
Interest Rate
7.20%
p.a. onwards
Processing Fee
₹5,000
+ GST
Max Tenure
30 Years
Max LTV
Up to 90%
loans up to ₹30 lakh
Rates updated 11 Aug 2026 from Butter's lender rate data · Bajaj Housing Finance's official rates
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What stands out with Bajaj Housing Finance
- 0.05% lower rate when a woman is the primary applicant
- Repayment holiday (moratorium) available on under-construction homes
- Tenure up to 30 years
Bajaj Housing Finance home loan at a glance
| Lender type | Housing finance company |
| Starting rate | 7.20% p.a. onwards |
| Products | Home loan, Plot, Construction, Balance transfer |
| Funding (LTV) | Up to 90% of the property's value, within RBI's caps |
| Prepayment | Nil on floating-rate loans |
Bajaj Housing Finance Interest Rates, August 2026
By product, CIBIL score & applicant type
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| 800 and above | 7.20% onwards | 7.75% onwards |
| 700–749 | 7.85% onwards | 8.40% onwards |
| 750–799 | 7.50% onwards | 8.05% onwards |
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| 800 and above | 7.20% onwards | 7.20% onwards |
| 700–749 | 7.85% onwards | 7.85% onwards |
| 750–799 | 7.50% onwards | 7.50% onwards |
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| 800 and above | 7.40% onwards | 7.95% onwards |
| 700–749 | 8.05% onwards | 8.60% onwards |
| 750–799 | 7.70% onwards | 8.25% onwards |
Starting rates for each CIBIL band. Women primary applicants get 0.05% lower. Your final rate also depends on the loan amount, property and profile. Updated 11 Aug 2026.
Fees & Charges
Bajaj Housing Finance vs Similar Lenders
Lenders with the closest rates
| Lender | Best Suited For | Interest Rate |
|---|---|---|
| Bajaj Housing Finance (this page) | Housing finance company | 7.20% onwards |
| LIC Housing Finance | Housing finance company | 7.15% onwards |
| TATA Capital | NBFC | 7.60% onwards |
| Mahindra Finance | Housing finance company | 8.00% onwards |
Bajaj Housing Finance Home Loan EMI Calculator
Move the sliders to see how the loan amount, interest rate and tenure change your monthly EMI and total interest outgo at Bajaj Housing Finance's rates.
Illustrative calculation based on the selected rate. The rate defaults to 7.2% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.
A ₹50 lakh Bajaj Housing Finance home loan over 20 years at 7.20% costs ₹39,367 a month, or ₹44,48,192 in total interest. Every 0.25% higher adds about ₹759 a month.
Bajaj Housing Finance Home Loan FAQs
What is the Bajaj Housing Finance home loan interest rate?
Bajaj Housing Finance home loan rates start at 7.20% p.a. for the strongest credit profiles and rise for lower CIBIL scores, and women primary applicants get 0.05% lower. Your final rate also depends on the loan amount, property and income.
Can I prepay my Bajaj Housing Finance home loan without charges?
Yes, on a floating-rate home loan. RBI rules do not allow Bajaj Housing Finance to charge individual borrowers for part-prepayment or foreclosure of floating-rate home loans.
How much of the property value will Bajaj Housing Finance fund?
Bajaj Housing Finance funds up to 90% of the property's value, within RBI's caps (up to 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh). You pay the rest as your own contribution.
Rates updated 11 Aug 2026 from Butter's lender rate data. Final terms are set by Bajaj Housing Finance at sanction. Source: Bajaj Housing Finance.