🇮🇳 India

Bajaj Housing Finance Last updated2026-05-28

Bajaj Housing Finance EMI Calculator 2026 rates.

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Quick answer

Bajaj Housing Finance home loan rate starts at 8.5% (typical 9.4%) as of 2026. A ₹50 lakh loan at 9.4% over 20 years = an EMI of approximately ₹46,281/month.

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EMI Calculator

Live

Loan Amount

₹

₹25.00 L

Interest Rate (p.a.)

Tenure (years)

Monthly EMI

₹21,696

/month

Total Interest

₹27.07 L

52% of total

Total Payable

₹52.07 L

over 20 years

Principal vs Interest Split

48% principal

52% interest

✨ Live · For home, personal, auto, education loans · Excludes processing fees

📊 Current rates

Bajaj Housing Finance loan rates (May 2026)

🏠 Home Loan

8.5–12.5%

typical: 9.4% p.a.

💵 Personal Loan

11–24%

typical: 14.5% p.a.

🚗 Car Loan

9.5–15%

typical: 11.25% p.a.

💳 Processing Fee

0.5% of loan amount (capped at Rs. 25000)

🔁 Prepayment

Zero foreclosure charges on floating-rate home loans per RBI guidelines. 2-5% charges on fixed-rate, vehicle, and personal loans in early tenure, reducing over time.

About Bajaj Housing Finance

Why choose Bajaj Housing Finance?

Bajaj Housing Finance is the dedicated mortgage arm of the Bajaj Finserv group, and its September 2024 IPO became one of India's most oversubscribed listings of the year. The HFC offers some of the most competitive home loan rates in the market (starting near SBI levels), digital-first processing, and aggressive top-up loans. It targets prime salaried customers, self-employed professionals, and high-ticket borrowers in metro markets.

🎯 Unique angle

Product highlights

✓ salaried professionals
✓ self-employed professionals
✓ high-ticket home loans
✓ balance transfer customers

❓ Bajaj Housing Finance FAQ

Common questions.

Who should apply for a Bajaj Housing Finance home loan?

Bajaj Housing Finance is best suited for salaried professionals at MNCs/listed companies and self-employed professionals (doctors, CAs, architects) with a credit score above 750 looking for loans above Rs. 30 lakh. Their digital process and competitive rates often match or beat large PSU banks.

How does Bajaj Housing Finance compare to HDFC/SBI?

Bajaj Housing typically offers rates within 10-25 basis points of SBI/HDFC for prime customers, with faster digital approvals (often 3-5 days vs 7-10 days) but slightly higher processing fees. For balance transfers, Bajaj is often more aggressive on rate negotiation.

What is the eligibility criteria for Bajaj Housing Finance?

Salaried applicants need minimum age 23, monthly income Rs. 30,000+, and 3 years of work experience. Self-employed need 5 years business vintage and ITRs. CIBIL score of 725+ is preferred for best rates. Maximum loan tenure is 32 years.

What is Bajaj Housing Finance prepayment policy?

For floating rate home loans, there are zero prepayment and foreclosure charges as per RBI guidelines. Fixed rate loans attract 2-4% foreclosure charges. Partial prepayments can be made anytime through the app without penalty.

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