HDFC vs Bajaj Home Loan, 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 — Home Loan Comparison
Key parameters compared side by side.
| Parameter | HDFC | Bajaj |
|---|---|---|
| Interest Rate (p.a.) | 8.35% – 9.25% | 8.35% – 9.5% |
| Processing Fee | 0.50% or Rs 3,000 (whichever is higher) | Up to 0.50% (negotiable for premium customers) |
| Max Loan Amount | Rs 10 Cr | Rs 5 Cr |
| Max Tenure | 30 Years | 30 Years |
| Bank Type | Private Sector | NBFC |
| Founded | 1994 | 2015 |
| Headquarters | Mumbai | Pune |
Interest Rate (p.a.)
HDFC
8.35% – 9.25%
Bajaj
8.35% – 9.5%
Processing Fee
HDFC
0.50% or Rs 3,000 (whichever is higher)
Bajaj
Up to 0.50% (negotiable for premium customers)
Max Loan Amount
HDFC
Rs 10 Cr
Bajaj
Rs 5 Cr
Lower/better: HDFC
Max Tenure
HDFC
30 Years
Bajaj
30 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 50 Lakh home loan for 20 years at each bank's lowest rate.
HDFC
Bajaj
Feature Comparison
Key features offered by HDFC and Bajaj for home loan.
| Feature | HDFC | Bajaj |
|---|---|---|
| Digital application process | ||
| Pre-approved limits for salaried | ||
| 20+ year track record | ||
| Pan-India property coverage | ||
| Flexi home loan (OD feature) | ||
| Part-prepayment anytime | ||
| Quick disbursement | ||
| Minimal documentation |
Digital application process
Pre-approved limits for salaried
20+ year track record
Pan-India property coverage
Flexi home loan (OD feature)
Part-prepayment anytime
Quick disbursement
Minimal documentation
Which Is Better — HDFC or Bajaj?
It depends on your priorities. Here is a quick guide.
Choose HDFC If...
- Higher max loan amount (Rs 10 Cr vs 5 Cr)
- Lower maximum rate (9.25% vs 9.5%)
Choose Bajaj If...
- Trusted brand with strong home loan offerings
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 home loan at both banks.
HDFC Eligibility
- CIBIL score: 700+ preferred
- Min income: Rs 25,000 per month (salaried)
- Self-employed: 3+ years of business vintage
- Age: 21–65 years (salaried), 25–70 years (self-employed)
- Indian resident or NRI (with conditions)
Criteria may vary. Contact Money Matrix Hub for exact eligibility assessment.
Bajaj Eligibility
- CIBIL score: 700+ preferred
- Min income: Rs 25,000 per month (salaried)
- Self-employed: 3+ years of business vintage
- Age: 21–65 years (salaried), 25–70 years (self-employed)
- Indian resident or NRI (with conditions)
Criteria may vary. Contact Money Matrix Hub for exact eligibility assessment.
Frequently Asked Questions
Common questions about HDFC vs Bajaj home loan.
Which bank has a lower home loan interest rate in 2026 — HDFC or Bajaj?
HDFC currently offers a lower starting rate of 8.35% p.a. for home loan. 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 home loan 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 5 Cr for home loan.
Which bank charges a lower processing fee for home loan — HDFC or Bajaj?
HDFC charges a processing fee of 0.50% or Rs 3,000 (whichever is higher), while Bajaj charges Up to 0.50% (negotiable for premium customers). Processing fees are often negotiable, and Money Matrix Hub can help waive or reduce these charges.
Should I choose HDFC or Bajaj for home loan in 2026?
The best choice depends on your specific needs. HDFC offers rates from 8.35%–9.25% with a max tenure of 30 years, while Bajaj offers 8.35%–9.5% with 30 years tenure. Contact Money Matrix Hub for a personalised comparison based on your profile.
Can Money Matrix Hub help me apply for a home loan 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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