Bajaj Housing Finance Home Loan Interest Rate — 16th September 2026
Housing finance company
Bajaj Housing Finance’s home loan interest rate runs from 7.25% to 10.65%, according to its own rate page, read on 16 September 2026. Here is the full card, a plain-English reading of it, and the EMI those rates produce on the loan sizes people actually borrow.
Starting rate
7.25%
Top of published range
10.65%
Benchmark
Floating Reference Rate 14.95% salaried · 16.13% self-employed
Effective from
Not published
Read from Bajaj Housing Finance’s own website on 16 September 2026. Source and method
Bajaj Housing Finance home loan interest rate card
By employment and loan type
| Loan type | Salaried | Self-employed |
|---|---|---|
| Home Loan | 7.25% – 10.25% | 7.70% – 10.65% |
| Home Loan (balance transfer) | 7.30% – 10.35% | 7.95% – 10.80% |
| Top-up | 8.30% – 10.40% | 9.20% – 10.85% |
Each group is priced against its own reference rate: 14.95% for salaried and 16.13% for self-employed borrowers.
What Bajaj Housing Finance’s interest rate card tells you
Bajaj Housing Finance sets separate reference rates for salaried and self-employed borrowers — 14.95% and 16.13% — and prices each group well below its own reference. The result: salaried borrowers start at 7.25%, self-employed ones at 7.70%. Moving an existing loan across as a balance transfer costs slightly more than a fresh loan, from 7.30% for salaried borrowers, and a top-up starts about a percentage point above the home loan floor. Those reference rates look alarming beside the card, but they are the benchmark, not what anyone is charged.
Ranked by published starting rate, Bajaj Housing Finance comes joint 11th of 48 — 2nd within the 18 housing finance companies we track. Bajaj Housing Finance doesn’t price off the RBI repo rate directly: its rates move with its own Floating Reference Rate, so a repo cut reaches its borrowers only if Bajaj Housing Finance chooses to pass it on. For scale, its starting rate is 2.00 points above the repo rate of 5.25%. On a ₹60 lakh loan over 20 years, the two ends of Bajaj Housing Finance’s range are ₹13,086 a month apart.
EMI at Bajaj Housing Finance’s home loan interest rate
What Bajaj Housing Finance’s 7.25% starting rate costs each month on common loan sizes. Treat these as the lowest EMI Bajaj Housing Finance would charge, not the likely one.
| Loan amount | 10 years | 15 years | 20 years | 25 years | 20 yrs at 10.65% |
|---|---|---|---|---|---|
| ₹35 lakh | ₹41,090 | ₹31,950 | ₹27,663 | ₹25,298 | ₹35,297 |
| ₹50 lakh | ₹58,701 | ₹45,643 | ₹39,519 | ₹36,140 | ₹50,424 |
| ₹70 lakh | ₹82,181 | ₹63,900 | ₹55,326 | ₹50,596 | ₹70,593 |
| ₹1 crore | ₹1,17,401 | ₹91,286 | ₹79,038 | ₹72,281 | ₹1,00,848 |
Reducing-balance EMI, before processing fees and insurance. Run your own numbers →
Bajaj Housing Finance against lenders priced nearby
Bajaj Housing Finance next to the lenders priced nearest to it. EMI is on ₹60 lakh over 20 years at each lender’s starting rate.
| Lender | Published rate | EMI, ₹60 lakh / 20 yrs | vs Bajaj Housing Finance |
|---|---|---|---|
| LIC Housing Finance Housing finance company | 7.15% – 10.30% | ₹47,060 | −₹363/mo |
| Bank of Baroda Public sector bank | 7.20% – 8.95% | ₹47,241 | −₹182/mo |
| Bajaj Housing Finance Housing finance company | 7.25% – 10.65% | ₹47,423 | — |
| PNB Public sector bank | 7.25% – 9.15% | ₹47,423 | same |
| SBI Public sector bank | 7.25% onwards | ₹47,423 | same |
How to land near the bottom of Bajaj Housing Finance’s range
- If you’re moving an existing loan to Bajaj, first ask your current lender for a spread reduction — a cut at your own lender avoids the fresh processing costs a transfer brings.
- If you’re self-employed, the age of your business and the consistency of your declared income tend to count for as much as the amount. A short or uneven history usually pushes the rate up.
- If you already bank with the lender, say so. An account the lender can see removes much of the income checking and gives you something to negotiate from.
Bajaj Housing Finance home loan fees and charges
| Processing fee | Up to 4% of the loan amount plus GST, charged once at application. The exact figure is set in your loan documents. On a ₹60 lakh loan, that comes to at most ₹2,40,000, before GST. |
|---|---|
| Prepayment and foreclosure | None on floating-rate loans to individuals. Fixed-rate loans: 4%, but nil if you close the loan from your own funds. |
| Legal and technical | ₹5,000 plus GST |
| Mortgage origination fee | Up to ₹10,000 plus GST |
| Switching floating to fixed | Up to 1% of the outstanding, and the rate rises by 2% |
Source: Bajaj Housing Finance’s own schedule of charges, read on 16 September 2026: https://www.bajajhousingfinance.in/documents/37350/8865041/Final+-+MITC-Retail_%28Secured_and_Unsecured%29-English.pdf
Bajaj Housing Finance home loan eligibility
| Who can apply | Salaried borrowers, including NRIs, aged 23 to 67 with three years’ work experience; resident self-employed borrowers aged 25 to 70 with three years in their current business. |
|---|---|
| Longest term | 32 years |
| Loan amount | Up to ₹15 crore, depending on eligibility |
Source: Bajaj Housing Finance’s home loan page, read on 16 September 2026. Meeting these criteria doesn’t guarantee approval. https://www.bajajhousingfinance.in/housing-loan
Bajaj Housing Finance home loan interest rate — common questions
What home loan interest rate does Bajaj Housing Finance charge?
What is Bajaj Housing Finance’s home loan processing fee?
What is the maximum tenure of a Bajaj Housing Finance home loan?
How does Bajaj Housing Finance decide which rate I get?
What is the EMI on a ₹60 lakh home loan from Bajaj Housing Finance?
Is Bajaj Housing Finance’s home loan interest rate fixed or floating?
How does Bajaj Housing Finance compare with PNB?
Where these figures come from
Source: Bajaj Housing Finance’s own interest rate page, read by BankCreds on 16 September 2026: https://www.bajajhousingfinance.in/home-loan-interest-rates
Bajaj Housing Finance publishes no effective date for this rate, so we don’t show one.
Our record of Bajaj Housing Finance’s rates starts on 16 September 2026; later changes will appear here when we find them. Bajaj Housing Finance’s fees and eligibility on this page were read from Bajaj Housing Finance’s own documents, and each section links to where.
Rates are what Bajaj Housing Finance publishes, not an offer: the rate you’re quoted is set by Bajaj Housing Finance after it assesses your application. How we collect and check rates →