Bajaj Housing Finance Home Loan EMI Calculator — Estimate in Seconds

as of 2026-09-17 · Lender rate pages, checked individually

What it costs per month

On ₹50,00,000 over 20 years.

Principal and interest only. The processing fee, GST, documentation and any insurance sold alongside the loan are additional.

Those two rows are the ends of the published band, not a quote. For your own amount, tenure and rate, run the EMI calculator; to see what you are likely to be sanctioned, start with the loan eligibility calculator.

How it compares

Bajaj Housing Finance is the joint 5th cheapest of the 12 providers we track, 0.10% above Canara Bank at 7.15%. The full board sits on home loan interest rates today, and the ranked shortlist is at best home loans in India.

Reading the two rows

The advertised 7.25% is a floor, offered to the strongest applicants. The 10.25% is the lender’s own published ceiling. On this loan the difference between them is ₹9,563 a month and ₹22,95,209 in interest across twenty years, so where you land in the band matters far more than which lender you pick from the top of the table.

The rate is floating, priced off the BHFL reference rate, so an individual borrower can prepay or refinance without a charge. If you are quoted the upper half of the band, compare the cost of a home loan balance transfer later against the fee you pay now, and check what part-prepayment would save with the prepayment calculator.