Bajaj HFL · housing finance company
Bajaj Housing Finance home loan interest rate today
Bajaj Housing Finance publishes home loan interest rates from 7.50% for new loans (checked 18 Oct 2026). Some of its loans follow the RBI repo rate and others a rate it sets itself. To move an existing loan to a lower rate with Bajaj HFL, the fee is about ₹4,130 with GST on a ₹50 lakh loan, an estimate: Bajaj HFL's own page does not give the amount.
Checked 18 Oct 2026 · Bajaj HFL's rate page
- Rate for new loans
- From 7.50%
- On Bajaj HFL's site
- RBI repo rate
- Depends on loan
- See your sanction letter
- Fee to lower rate
- ₹4,130 est.
- ₹50 lakh loan, with GST
- Checked
- 18 Oct
- 2026
Rates for new loans
- Salaried (7.50% to 10.25%)7.50%
- Self-employed (8.05% to 10.65%)8.05%
Source: bajajhousingfinance.in · checked 18 Oct 2026 · from the official website
How the rate moves
Bajaj HFL uses FRR (internal) or REBLR (repo-linked), by loan type: some of its loans follow the RBI repo rate and others a rate it sets itself.
Some loans follow an internal Floating Reference Rate set by the lender; others (REBLR) follow the RBI repo rate. Check your sanction letter.
How to ask Bajaj HFL for a lower rate
If you already have a loan with Bajaj HFL, you can ask it in writing to move you to its current rate. It is a request, and the lender decides.
- Log in to the Bajaj Finserv app or customer portal, open your home loan and look for the rate-reduction offer.
- Ask for written confirmation of the fee and a request number.
These steps are what borrowers report; Bajaj HFL's own site does not set them out. Ask your branch to confirm.
The fee: about ₹4,130 with GST on a ₹50 lakh loan. The lender's conversion-charges page gives no amount ("typically a percentage of the outstanding loan amount"). ₹3,500 is an indicative figure; ask for the written fee.
Source: bajajhousingfinance.in · checked 18 Oct 2026 · not confirmed — indicative only
Paying off early
For loans sanctioned or renewed on or after 1 January 2026, no bank, NBFC or housing finance company may charge for part or full pre-payment of a floating-rate loan taken by an individual for non-business purposes, whatever the source of funds and with no lock-in. Older floating-rate home loans were already protected by RBI's 2012 and 2014 circulars (banks) and NHB directions (HFCs). Any charge not written in your sanction letter or Key Facts Statement cannot be levied.
Where to complain
Complain to Bajaj HFL first and keep the reference number it gives you.
Housing finance companies are not covered by the RBI Ombudsman. If there is no reply within about 30 days, or the reply does not satisfy you, complain to the National Housing Bank for free at grids.nhbonline.org.in (GRIDS), or by post with its complaint form.
After Bajaj HFL, the next step is the National Housing Bank. It is free and you do not need a lawyer.
Questions people ask
What is Bajaj Housing Finance's home loan interest rate today?
Bajaj Housing Finance publishes home loan interest rates from 7.50% for new loans (checked 18 Oct 2026). The rate you get depends on your credit score and loan, and Bajaj HFL decides the final rate.
Does Bajaj Housing Finance's home loan rate change when the RBI changes the repo rate?
Bajaj HFL uses FRR (internal) or REBLR (repo-linked), by loan type: some of its loans follow the RBI repo rate and others a rate it sets itself. Check your sanction letter.
How do I get a lower rate on my existing Bajaj Housing Finance home loan?
Ask Bajaj HFL in writing to move your loan to its current rate. Log in to the Bajaj Finserv app or customer portal, open your home loan and look for the rate-reduction offer. Ask for written confirmation of the fee and a request number. The fee is about ₹4,130 with GST on a ₹50 lakh loan, an estimate: Bajaj HFL's own page does not give the amount. A lower rate is a request: the lender decides.
Can Bajaj Housing Finance charge me for paying off my home loan early?
No, not on a floating-rate home loan. For loans sanctioned or renewed on or after 1 January 2026, no bank, NBFC or housing finance company may charge for part or full pre-payment of a floating-rate loan taken by an individual for non-business purposes, whatever the source of funds and with no lock-in. Older floating-rate home loans were already protected by RBI's 2012 and 2014 circulars (banks) and NHB directions (HFCs). Any charge not written in your sanction letter or Key Facts Statement cannot be levied.
Where do I complain if Bajaj Housing Finance does not reply?
Complain to Bajaj HFL first through its complaints page ([email protected]). Housing finance companies are not covered by the RBI Ombudsman. If there is no reply within about 30 days, or the reply does not satisfy you, complain to the National Housing Bank for free at grids.nhbonline.org.in (GRIDS), or by post with its complaint form.
Compare with other lenders
- LIC Housing Financefrom 7.50%
- PNB Housing Financefrom 7.75%
- Tata Capital Housing Financefrom 8.00%
- State Bank of Indiafrom 7.50%
Moving your loan to Bajaj HFL from another lender: a processing fee of about ₹11,800 with GST on a ₹50 lakh loan, an estimate: Bajaj HFL does not publish it, plus stamp duty in some states.
Words on this page
- RBI repo rate:
- the rate the Reserve Bank of India sets for lending to banks. Many home loan rates move with it.
- REBLR:
- a repo-linked rate: it follows the RBI repo rate.
- FRR:
- Floating Reference Rate: a rate the lender sets itself.
- GST:
- Goods and Services Tax: 18% on bank fees.