What the lender advertises, the most it can charge, and what decides where you land in between.
Bajaj Housing Finance can charge up to 10.25% for this product. The advertised figure is a starting rate, not an offer.
The rate
| Advertised rate | Maximum rate | Terms | Processing fee |
|---|---|---|---|
| 7.25% | 10.25% | BHFL floating reference rate | Up to 1% |
Updated 17 Sep 2026 · Lender rate pages, checked individually
Bajaj Housing Finance advertises from 7.25% and can charge up to 10.25% for this product — a range of 3.00%. Where you land is set by your credit score, your down payment and your income type, not by bargaining. The factors that move a credit score are therefore the part of this you can still change before you apply.
The advertised rate is only half the price. The processing fee of up to 1%, plus 18% GST on it, is set out on the Bajaj Housing Finance home loan fees and charges page, and the Bajaj Housing Finance EMI calculator turns a rate and tenure into the monthly figure.
How it compares
Joint 5th cheapest of the 12 providers we track, 0.10% above Canara Bank at 7.15%.
Before you commit, put that position against the full table of home loan interest rates and our ranking of the best home loans in India.
Terms change without notice. Confirm the current figures with Bajaj Housing Finance before you act.
Related reading
Bajaj Housing Finance Home Loan EMI Calculator — Estimate in Seconds
What a Bajaj Housing Finance home loan costs each month at 7.70% and at the published 10.50% maximum.
17 Sep 2026 · 1 min
Bajaj Housing Finance Home Loan Fees and Charges
The processing fee Bajaj Housing Finance publishes, plus the charges that sit outside it.
17 Sep 2026 · 1 min