Bajaj Home Loan Interest Rates

Bajaj home loan interest rates start from 7.15% p.a. for salaried individuals, with rates for self-employed individuals starting from 7.75% p.a. These competitive, floating rates are available for tenures up to 32 years, with no foreclosure charges on floating charges on floating-rate loans for individuals. Understanding how the Bajaj Finance home loan interest rate works can help you choose a loan structure that fits your budget comfortably.

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Current Bajaj Home Loan Interest Rates As of March 2026

The table below gives a clear view of the latest Bajaj housing rate of interest across borrower categories.

Borrower Type	Loan Type	Bajaj Home Loan Interest Rates (p.a.)
Salaried	Home Loan	7.15% to 20% p.a.
Salaried	Balance Transfer	Starts at 7.25% p.a.
Salaried	Top-up Loan	8.25% to 10.40% p.a.
Self-employed	Home Loan	7.75% to 20% p.a.
Self-employed	Balance Transfer	Starts at 7.40% p.a.
Self-employed	Top-up Loan	9.20% to 10.85% p.a.

Home Loan Interest Rates of Bajaj Finance based on the customer’s credit score and occupation type are as follows:

Credit score	Salaried customers	Self-employed customers
800	7.15%* to 20%* p.a.	7.75%* to 20%* p.a.
750 – 800	7.15%* to 20%* p.a.	7.75%* to 20%* p.a.

Home Loan Amount

Loan Tenure

5 Years 30 Years

Interest Rate

5% 15%

Loan Tenure Completed

0 40 yrs

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Bajaj Housing Loan Interest Rate Overview

The Bajaj housing loan interest rate generally differs for salaried and self-employed borrowers. The final rate depends on factors such as credit score, income, employment history, and loan type.

Floating rate structure: Most Bajaj home loan interest rates are floating and may change with market movements.
Profile-based pricing: Your credit score and income stability directly affect the final Bajaj housing interest rate.
Different borrower slabs: Salaried and self-employed applicants may receive different Bajaj home loan rate offers.
Loan-type variation: The Bajaj home loan interest may vary for fresh loans, balance transfers, and top-up loans.
Fast approvals: Strong profiles can often access better rates with quicker processing.

For added protection, you can buy a Bajaj home loan insurance to secure your family from the burden of home loan repayment in your absence.

What are the Other Charges Applicable to Home Loans?

Here are some of the other charges that apply to a home loan other than the EMIs and interest.

Type of fee	Applicable charges
Processing fees	Up to 4% of the loan amount + GST as applicable
Penal charge	You can check the latest penal charges on the company’s official website

EMI Calculator

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What are the Home loan EMI bounce charges?

The following charges will be applicable in case your EMI payment bounces:

Loan amount	Charges
Up to Rs. 15 lakh	Rs. 500
More than Rs. 15 lakh and up to Rs. 30 lakh	Rs. 500
More than Rs.30 lakh and up to Rs. 50 lakh	Rs. 1,000
More than Rs.50 lakh and up to Rs. 1 crore	Rs. 1,000
More than Rs.1 crore and up to Rs. 5 crore	Rs. 3,000
More than Rs. 5 crore and up to Rs. 10 crore	Rs. 3,000
More than Rs. 10 crore	Rs. 10,000

Which Type of Bajaj Home Loan Interest Rate Should You Choose in 2026?

When choosing between Bajaj home loan interest rates in 2026, one of the key decisions is whether a fixed or floating rate suits you better. The right choice depends on your income stability, comfort with EMI changes, and long-term repayment plans.

Interest Rate Type	Who It Suits	Key Points to Consider
Fixed interest rate	Suitable for borrowers who prefer predictable EMIs and stable monthly outgo.	The Bajaj home loan rate remains unchanged for a set period, which makes budgeting easier. However, if market rates fall, you may continue paying a higher rate.
Floating interest rate	Suitable for borrowers who are comfortable with changing EMIs and market-linked movements.	The Bajaj housing loan interest rate changes with market conditions. If rates fall, your EMI or tenure may reduce, but rising rates can increase your total loan cost over time.

Term Plans

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LIFE COVER

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LIFE COVER

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How to Get Lower Bajaj Home Loan Interest Rates?

If you want to secure lower Bajaj home loan interest rates, a few practical steps can improve your chances.

Pay a higher down payment: A lower loan amount reduces lender risk and may help you get a better Bajaj housing loan interest rate.
Choose the right tenure: Select a repayment period that keeps your EMI comfortable without increasing the total interest too much.
Pick the right interest type: Choose between fixed and floating Bajaj home loan rate options based on your repayment comfort and market expectations.
Maintain stable income: A steady income from employment or business improves your loan profile and may support a lower Bajaj Finance home loan interest rate.
Improve your credit score: A score of 750 or above can help you qualify for more favourable Bajaj housing interest rate offers.
Add a woman co-applicant: In some cases, women borrowers may receive a slight concession on the Bajaj housing rate of interest.
Consider a balance transfer: If Bajaj Finserv offers lower rates than your current lender, transferring the loan can reduce your repayment burden.
Look for special offers: Festive schemes or limited-period benefits may help you secure a lower Bajaj home loan interest and save on charges.

You can use the Bajaj home loan calculator to see the applicable premiums for your home loan insurance plan.

Final Thoughts!

Bajaj home loan interest rates can significantly shape the affordability of your housing loan. By comparing the Bajaj housing loan interest rate, understanding the EMI impact, and choosing the right tenure, you can make a more informed borrowing decision that supports your long-term financial plans.

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FAQs

What is the current Bajaj home loan interest rate?

Ans: The Bajaj home loan interest rates generally vary based on your credit score, income, and loan type. Salaried borrowers usually get lower starting rates than self-employed applicants.
Does Bajaj housing loan interest rate depend on CIBIL score?

Ans: Yes, the Bajaj housing loan interest rate is strongly influenced by your CIBIL score. A higher score can help you qualify for a lower rate.
Can I reduce my Bajaj home loan interest rate later?

Ans: Yes, you may be able to lower your Bajaj home loan rate through a balance transfer, better credit profile, or lender-led rate revisions.
Does loan tenure affect Bajaj housing rate of interest?

Ans: Yes, the loan tenure can affect the Bajaj housing rate of interest, as longer tenures may increase the overall interest outgo even if the EMI is lower.
Is Baja finance good for a home loan?

Ans: Yes, Bajaj Finance is considered a good home loan option for borrowers looking for competitive interest rates, flexible tenure, quick approval, and top-up loan facilities. The right fit depends on your credit score, income, and the final rate offered to you.

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˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

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*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

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Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

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