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  • Bajaj Finserv Home Loan Transfer

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    Bajaj Finserv Home Loan Transfer

    Bajaj Finserv is one of India’s most diversified non-banks offering a plethora of financial solutions. Bajaj Finserv offers customers the facility to switch to their plan in case they are unhappy with their present home loan plan. Balance Transfer implies you can refinance or transfer the remainder of your loan amount to some other financial institution in case you get better terms and conditions. At Bajaj Finserv, to avail this facility, all you have to do is find the total savings on the home loan balance transfer and fill an online application form for home loan balance transfer. The online home loan balance transfer from other banks to Bajaj Finserv can be processed within 4 days with minimum paperwork.

    Advantages of Bajaj Finserv Loan Transfer:

    Bajaj Finserv comes with many advantages such as:

    • Instant Online Loan Approval: Borrowers who are dissatisfied with their present lender and wanting to opt for a home loan transfer with Bajaj Finserv can apply for it online, which gets instantly approved.
    • Online Application: Applicants wanting to refinance through Bajaj Finserv can apply online and do not have to visit Bajaj Finserv physically.
    • No Hidden Fees: There are no hidden charges when applying for a home loan transfer from other bank to Bajaj Finserv.
    • Minimal Documentation: The loan transfer process does not require you to submit a long list of documents.
    • Additional Top-Ups at Affordable Rates: You can also go for a top-up over the loan at an affordable rate, along with the loan transfer.
    • Online Account Access: Bajaj Finserv enables its borrowers to access their loan account by logging in to their official website. You can visit the home loan digital customer portal and obtain information on interest certificate, payment schedule and repayment status, etc.
    • Customized Insurance Schemes: Bajaj Finserv lets borrowers opt for insurance schemes based on their needs and requirements.

    To top these all, Bajaj Finserv also gives some bonus facilities such as:

    • No Foreclosure Charges: Borrowers opting for a loan transfer with Bajaj Finserv will enjoy the facility of early foreclosure without the need to pay any charges to the bank. So, at any point during the tenure of the home loan, you will be allowed to foreclose your loan for free.
    • No Part Pre-Payment Charges: Once you have refinanced your home loan, the financing institution allows you to prepay any amount towards the loan. However, the prepayment should not be any less than a total of 3 EMIs. No penalty is charged to avail this facility.
    • 3 EMI Holiday: Bajaj Finserv Loan Transfer has this attractive feature where it allows its borrowers a three-month EMI grace period, where the borrower who has refinanced through Bajaj Finserv will not have to pay any fine for not paying EMIs for up to three whole months, giving borrowers a relaxed window to manage their finances.

    Features of Bajaj Finserv Home Loan Transfer:

    Top-up Loans:

    If you decide to go for the home loan balance transfer, you will also get an option of a top up loan available at a minimal interest rate. The loan amount that can be used according to your wish, from a holiday to home improvement purposes.


    If borrower has bought property within a span of 12 months using their own money, he or she can avail Bajaj Finserv’s refinance option and get a housing loan grant up to the property’s registered value.

    How is Bajaj Finserv Loan Transfer Useful?

    Transferring your home loan with Bajaj Finserv can prove useful in the following ways:

    • Allows borrowers to save additional money.
    • Helps borrowers lower EMIs and thereby lower loan repayments.
    • A balance transfer gives you the option of choosing affordable interest rates, making your home loan a lesser burden on you.
    • The loan transfer facility also lets borrowers choose repayment options based on their situation and ability.


    1. What are the insurance schemes that I can avail if I opt for a Bajaj Finserv Home Loan Transfer?

      Bajaj Finserv offers HDFC Life Group Credit Protect Plus, which is a customized insurance policy that offers protection to the family members of the insured member in case of critical illness or death.

    2. What does a 3 EMI Holiday mean when I opt for a home loan transfer with Bajaj Finserv?

      The company provides a three month EMI grace period where you do not have no penalty is charged for non-payment of EMIs up to three months.

    3. How can I access my home loan account at Bajaj Finserv if I refinance my home loan with the company?

      You can log in to the home loan digital customer portal and access all the information you need on your home loan account.

    4. If I am currently paying for a home loan against a property purchased two years ago, can I opt for a refinance option with Bajaj Finserv?

      No, the property that you want to refinance should have been purchased within the last 12 months with your own money.

    5. Will I be charged foreclosure charges if I decide to foreclose my home loan after taking a home loan transfer?

      No, Bajaj Finserv does not levy any foreclosure charges even if you foreclose your loan at any time within the tenure.

    Bajaj Finserv Home Loan Transfer Reviews

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