Bajaj Housing Finance offers Loan Against Property (LAP) with loan amounts up to ₹50 Crores at interest rates starting from 7.2, making IT one of the highest-ticket LAP providers in India as of 2026. The company maintains a strong credit rating with CRISIL and India Ratings at AAA/Stable, reflecting its strong financial health and lending credibility.

Bajaj Housing Finance's LAP program in 2026 is designed for self-employed professionals and business owners seeking high-value financing with flexible tenures and minimal documentation. Bajaj Housing Finance offers a Loan Against Property (LAP) with a maximum limit of ₹50 crore, as of 2026. The interest rate starts at 7.2, varying by borrower profile and loan structure. The lender operates through over 1,400 locations across India, serving 50 million+ customers via its digital and physical network. Loan tenure extends up to 25 years, with eligibility based on property valuation, income, and credit score.

Bajaj Housing Finance is a subsidiary of Bajaj Finance Limited and functions under National Housing Bank (NHB) regulations. The company provides LAP for salaried and self-employed individuals, with digital application support via the Bajaj Finserv App. Loan disbursal is subject to technical and legal evaluation of the property. As of 2026, Bajaj Housing Finance's share price target is projected between ₹290 and ₹330. The firm supports borrowers through a network of 1.5 lakh+ partner stores across 4,000+ Indian cities, enabling wide access to credit.

• Minimum applicant age is 23 years for Bajaj Housing Loan Against Property; for balance transfer, IT is 25 years.
• Maximum applicant age at loan maturity is 70 years, regardless of employment type or loan purpose.
• Applicants must have a steady source of income, either through salaried employment or self-employment.
• Self-employed applicants must have a minimum business vintage of 3 years to qualify for the loan.
• Only residents of eligible Indian cities are eligible to apply for this loan product.
• Applicants must own a residential or commercial property that can be pledged as collateral.
• Bajaj Housing Finance reserves the sole discretion to accept or reject any application without assigning a reason.

Eligibility is strictly assessed based on income stability, property valuation, and adherence to age and residency norms. For a ₹1 crore loan at 7.2 over 15 years, EMI is ₹98,854. For the same loan over 20 years, EMI drops to ₹86,289, saving ₹12,565/month.

Extending tenure from 15 to 20 years reduces EMI by up to ₹33,274 for a ₹2 crore loan. However, total interest increases by ₹58.31 lakh. A ₹1 crore loan at 7.2 for 20 years incurs ₹1.07 crore in interest. The same loan at 15 years incurs ₹77.94 lakh, a saving of ₹29.15 lakh. The documents required for a Bajaj Housing Loan Against Property application include identity, address, income, and property proofs. Applicants must submit KYC documents, 3 years of ITR, and property title papers to qualify.

• Identity proof: Aadhaar card, passport, or driving licence (mandatory for all applicants).
• Address proof: Utility bill, Aadhaar, or passport (not older than 3 months).
• Income proof for salaried: Latest 3 months' salary slips and Form 16 (minimum ₹8,000/month combined family income required).
• Income proof for self-employed: 3 years of ITR with computation of income, audited financials, and business vintage proof (minimum 3 years in business).
• Bank statements: 12 months' current account statements for self-employed applicants (to assess cash flow and repayment capacity).
• Property documents: Title deed, registered sale agreement, property tax receipts, and approved building plan (for residential or commercial property).
• Valuation report: Property must be appraised by Bajaj-approved valuer (valuation fees apply, part of processing costs).

Ensure all documents are clear, legible, and self-attested where required. The fees and charges for Bajaj Housing Loan Against Property include processing fees up to 7% of the loan amount plus GST, along with potential additional costs such as valuation, legal, and documentation charges. Prepayment charges are not applicable on floating rate loans as per RBI guidelines.

Most charges are transparently structured, but valuation and legal fees may vary by city and property type, always confirm exact amounts before disbursement.

Bajaj Markets offers the highest maximum loan amount of ₹50 Crores with a competitive starting rate of 7.2 p.a., while Bajaj Housing Finance caps at ₹5 Crores but offers a slightly higher rate of 7.2 p.a.

Key Takeaways

• Bajaj Markets enables access to loans up to ₹50 Crores, 10x higher than Bajaj Housing Finance's ₹5 Crore limit — through its partner lender network.
• Starting interest rates for Loan Against Property across major lenders range from 7.2 to 12, with Bajaj Markets offering one of the lowest at 7.2 p.a.
• Bajaj Housing Finance provides shorter tenures (up to 18 years) compared to competitors like ICICI and HDFC, which offer up to 20 years.

Compare offers and apply for a Loan Against Property on Bajaj Markets to access higher loan amounts and competitive rates from 13+ lenders.