HDFC vs Bajaj Loan Against Property, 2026.
Reviewed by Jay Patel· Last reviewed: stale
A ledger-columns read on HDFC Bank and Bajaj Housing Finance— rate, EMI, fee, fine print. Which one wins your file, not the pitch deck.
HDFC vs Bajaj — Loan Against Property Comparison
Key parameters compared side by side.
| Parameter | HDFC | Bajaj |
|---|---|---|
| Interest Rate (p.a.) | 9% – 11% | 8.75% – 11% |
| Processing Fee | 1.00% (max Rs 75,000) | 1.00% (max Rs 50,000) |
| Max Loan Amount | Rs 10 Cr | Rs 10 Cr |
| Max Tenure | 20 Years | 20 Years |
| Bank Type | Private Sector | NBFC |
| Founded | 1994 | 2015 |
| Headquarters | Mumbai | Pune |
Interest Rate (p.a.)
HDFC
9% – 11%
Bajaj
8.75% – 11%
Lower/better: Bajaj
Processing Fee
HDFC
1.00% (max Rs 75,000)
Bajaj
1.00% (max Rs 50,000)
Max Loan Amount
HDFC
Rs 10 Cr
Bajaj
Rs 10 Cr
Max Tenure
HDFC
20 Years
Bajaj
20 Years
Bank Type
HDFC
Private Sector
Bajaj
NBFC
Founded
HDFC
1994
Bajaj
2015
Headquarters
HDFC
Mumbai
Bajaj
Pune
Rates as of April 2026. Subject to change based on RBI policy and bank revisions.
EMI Comparison
Estimated EMI for Rs 30 Lakh LAP for 15 years at each bank's lowest rate.
HDFC
Bajaj
Savings: Choosing Bajaj saves you approximately ₹445 per month, or ₹80,100 in total interest over the loan tenure.
Feature Comparison
Key features offered by HDFC and Bajaj for loan against property.
| Feature | HDFC | Bajaj |
|---|---|---|
| Up to 70% LTV for residential | ||
| Overdraft & term loan options | ||
| Special rates for professionals | ||
| Balance transfer accepted | ||
| Up to 70% LTV | ||
| Flexi loan with OD | ||
| Balance transfer + top-up | ||
| Quick TAT |
Up to 70% LTV for residential
Overdraft & term loan options
Special rates for professionals
Balance transfer accepted
Up to 70% LTV
Flexi loan with OD
Balance transfer + top-up
Quick TAT
Which Is Better — HDFC or Bajaj?
It depends on your priorities. Here is a quick guide.
Choose HDFC If...
- Trusted brand with strong loan against property offerings
Choose Bajaj If...
- Lower starting interest rate (8.75% vs 9%)
Still unsure? Contact Money Matrix Hub for a free personalised recommendation based on your income, credit score, and loan requirement.
Eligibility Comparison
General eligibility criteria for loan against property at both banks.
HDFC Eligibility
- Property must be free from encumbrance
- CIBIL score: 700+ preferred
- Salaried or self-employed applicants
- Min income: Rs 30,000 per month
- Age: 21–65 years at loan maturity
Criteria may vary. Contact Money Matrix Hub for exact eligibility assessment.
Bajaj Eligibility
- Property must be free from encumbrance
- CIBIL score: 700+ preferred
- Salaried or self-employed applicants
- Min income: Rs 30,000 per month
- Age: 21–65 years at loan maturity
Criteria may vary. Contact Money Matrix Hub for exact eligibility assessment.
Frequently Asked Questions
Common questions about HDFC vs Bajaj loan against property.
Which bank has a lower loan against property interest rate in 2026 — HDFC or Bajaj?
Bajaj currently offers a lower starting rate of 8.75% p.a. for loan against property. However, the actual rate you receive depends on your credit score, income, and loan amount. Money Matrix Hub can help you get the best negotiated rate from both banks.
What is the maximum loan against property amount I can get from HDFC vs Bajaj?
HDFC offers a higher maximum loan amount of up to Rs 10 Cr. HDFC offers up to Rs 10 Cr while Bajaj offers up to Rs 10 Cr for loan against property.
Which bank charges a lower processing fee for loan against property — HDFC or Bajaj?
HDFC charges a processing fee of 1.00% (max Rs 75,000), while Bajaj charges 1.00% (max Rs 50,000). Processing fees are often negotiable, and Money Matrix Hub can help waive or reduce these charges.
Should I choose HDFC or Bajaj for loan against property in 2026?
The best choice depends on your specific needs. HDFC offers rates from 9%–11% with a max tenure of 20 years, while Bajaj offers 8.75%–11% with 20 years tenure. Contact Money Matrix Hub for a personalised comparison based on your profile.
Can Money Matrix Hub help me apply for a loan against property from both HDFC and Bajaj?
Yes. Money Matrix Hub is an authorised DSA partner for both HDFC and Bajaj. We can submit parallel applications at no extra cost and help you pick the best sanction offer. Our service is 100% free for borrowers.
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