Our review of Bajaj Housing Finance: one product rated against every other provider we track, with the rate, the fee and what it costs you in rupees. It scores 2.8 out of 5 on our published formula.
| Type | Housing finance company (HFC) |
|---|---|
| Credsir rating | 2.8 / 5 |
| Products rated | 1 |
| Best for | Borrowers who want a home loan from a large private lender and will trade 0.50 points against the market’s best rate for it |
Where it falls short
- The home loan starts 0.50 percentage points above Bank of Baroda, the cheapest lender we track — 9th of 12 on rate.
- Very wide band between the advertised home loan rate and its ceiling. Treat the headline figure as a best case, not a planning number.
Rates and fees
| Product | Advertised rate | Maximum rate | Benchmark | Processing fee |
|---|---|---|---|---|
| Home loan | 7.70% | 10.50% | BHFL floating reference rate | Up to 1% |
as of 15 August 2026 · Published lender comparisons, cross-checked against our rate table · reported
Maximum tenure on the home loan is 32 years. The advertised rate is the floor, offered to salaried applicants with a strong credit score and a low loan-to-value ratio; where a fee is quoted exclusive of tax, add 18% GST to get what you actually pay. The full product page is the Bajaj Housing Finance home loan breakdown, and the EMI calculator turns the rate into a monthly figure.
How it compares
The cheapest provider we track for a home loan is Bank of Baroda at 7.20%, 0.50 percentage points cheaper than Bajaj Housing Finance. Among housing finance companies, LIC Housing Finance starts at 7.50% and Tata Capital Housing at 7.75%. The full lender-by-lender table is on home loan interest rates today.
How we rated this bank
We take no money for ratings, and no lender can influence one. Every score is arithmetic on a dated rate table — change the table and the score moves by itself.
| Products rated | 1 — every product we hold a dated rate for at Bajaj Housing Finance, each scored on its own |
|---|---|
| Competitor rates compared | 12 |
| Paid for this rating | ₹0 |
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