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Bajaj Housing FinanceHome LoansREPO + 1.95% spread

Bajaj Housing Finance Home Loan

Listed HFC benchmarked to RBI Repo rate (NHB RLLR aligned) · Doorstep service across 200+ Indian cities · Top-up loan facility up to ₹1 Cr without fresh collateral · Pre-approved offer for select salaried customers

Starting rate8.45%per year se
Max LTV90%Asset value
Max tenure30 saal360 mahine
Is example ko apni borrowing needs ke hisaab se customize karein.
Repayment customize kareinApply karein: Bajaj Housing FinanceBank site · naye tab mein khulega
Mathematical Grounding

True cost aur Day-1 cash breakdown

Representative scenario for ₹50,00,000 loan over 20 years at CIBIL 750+.

Day-1 Upfront Cash Outflow₹19,030

This cash must be paid out-of-pocket before disbursement and is not added to your loan EMI.

Processing Fee₹8,500
18% GST₹1,530
Legal & Valuation₹9,000
Estimated Monthly EMI₹43,233Per month for 240 installments
Total Lifetime Interest₹53,75,920Net interest outgo over 20 years
Total Lifetime Outgo (Principal + Interest + Day-1 Cash):₹1,03,94,950
CredSutra Intelligence

Loan verdict aur maths

Our algorithmic evaluation balances starting benchmark spreads against upfront processing loads and fine print restrictions.

Maths favour mein

  • +Competitive starting rate 8.45% p.a. jo long term me substantial interest outgo bachaati hai.
  • +0% Prepayment penalty (RBI mandate): Part-prepay ya foreclose anytime with zero financial penalty.

Maths against

  • −Processing fee 0.3% (cap ₹8,500) + 18% GST upfront Day-1 cash commitment badhata hai.
  • −Self-employed borrowers par +25 BPS (0.25%) extra risk markup lagta hai.
Is scenario ko customize karein
Credit Score Sensitivity

CIBIL score ke hisaab se rate ladder

Self-employed risk loading: +25 BPS
CIBIL score bandBorrower tierIndicative salaried rateIndicative self-employed rateEstimated monthly EMI (₹50,00,000)
750 – 900Prime borrower8.45% – 9.05%8.70% – 9.30%₹43,233
700 – 749Good standing9.05% – 9.65%9.30% – 9.90%₹45,147
650 – 699Standard / fair9.65% – 10.30%9.90% – 10.55%₹47,097
Contract Details

Contract ki terms & Clauses

Rate Reset Frequency

Reset on the first day of the month following RBI Repo rate revision

Overdraft / Smart Saver Facility

Not available on this product tier

RBI 0% Foreclosure Penalty Mandate

Under RBI Master Directions, no bank, HFC, or NBFC can charge prepayment penalties or foreclosure charges on floating rate term loans sanctioned to individual borrowers.

Bank notes: Nil prepayment and foreclosure charges for individual floating-rate home loans under RBI Master Directions on Housing Finance.

Borrower Verification

Main eligibility conditions

  • Resident Indian salaried or self-employed
  • Age 21 to 70 years (loan maturity)
  • Minimum 2 years of stable employment or business vintage
Loan amount range

₹5,00,000 se ₹10,00,00,000

Lender Alternatives

Is category mein options: Home Loans

Is category ko compare karein
Canara Bank

Canara Bank Housing Loan

Starting at 7.15% p.a.
Review padhein
Punjab National Bank

PNB Max Saver Housing Loan

Starting at 8.10% p.a.
Review padhein
State Bank of India

SBI Regular Home Loan

Starting at 8.40% p.a.
Review padhein

Frequently Asked Questions

Bajaj Housing Finance Home Loan ka current interest rate aur benchmark spread kya hai?
Bajaj Housing Finance Home Loan ki interest rate 8.45% se 10.30% p.a. ke beech hai, jo REPO + 1.95% spread par pegged hai.
Kya Bajaj Housing Finance Home Loan par foreclosure ya prepayment penalty lagti hai?
RBI Master Directions ke hisaab se individual floating rate borrowers par 0% foreclosure penalty hoti hai. (Bank note: Nil prepayment and foreclosure charges for individual floating-rate home loans under RBI Master Directions on Housing Finance.)
Bajaj Housing Finance Home Loan ke liye Day-1 upfront cash kitna lagta hai?
Representative ₹50,00,000 loan par estimated Day-1 upfront cash ₹19,030 hai (Processing fee: ₹8,500 + GST: ₹1,530 + Legal/Valuation: ₹9,000).

In loan records mein verification date nahi hai. Apply karne se pehle lender ki current terms check karein.

Official sources & citations
Sources
  • bajaj-housing.com
  • RBI Master Directions for Non-Banking Financial Companies (NBFCs)
  • RBI Regulatory Framework for Retail Loan Interest Rate Resets