Information only
Bajaj Finance is a non-banking financial company (NBFC), regulated by the Reserve Bank of India (RBI). It is a diversified lender to consumers and businesses. Its registered office is in Akurdi, Pune, and its corporate office is in Viman Nagar, Pune. Unlike a bank, an NBFC cannot take demand deposits such as savings or current accounts, so a loan from it is not a bank loan even though it works in a similar way.
Loans it offers
Loans listed for Bajaj Finance
| Loan | What to know |
|---|---|
| Personal loans | One of its consumer lending lines; Bajaj Finance is a deposit-taking NBFC, but a loan is a separate product from a deposit. |
| Loans against property | Offered for individuals and business owners; home loans themselves are given through its subsidiary, Bajaj Housing Finance. |
| Business and MSME loans | For working capital or expansion; business vintage, financial statements and bank statements are usually asked for. |
| Car loans | Our research lists both new and used car finance in its range. |
| Two-wheeler loans | Secured on the vehicle and usually arranged with a dealer quotation. |
| Gold loans | Secured on gold ornaments; RBI sets limits on how much can be lent against the gold's value. |
| Loans for professionals | A separate professional segment in its range, for example for doctors. |
LOANZ 360 explains how each of these loan types works: personal loans, loans against property, business and MSME loans, car loans, two-wheeler loans, gold loans, loans for professionals. Home loans are given through its subsidiary Bajaj Housing Finance, not by Bajaj Finance directly.
Key facts
| Fact | Detail |
|---|---|
| Regulator category and layer | NBFC (upper layer). Upper layer, named by RBI on 6 August 2026 for 2026-27; deposit-taking NBFC. |
| Registered office | Akurdi, Pune |
| Corporate office | Viman Nagar, Pune |
| Parent group | Subsidiary of Bajaj Finserv Limited (Bajaj group) |
| Subsidiaries | Bajaj Housing Finance Limited (home loans) and Bajaj Financial Securities Limited |
As of 8 November 2026, RBI lists Bajaj Finance among the NBFCs in the upper layer for 2026-27. RBI reviews the upper layer list from time to time, so a lender's layer can change. The latest list is dated 6 August 2026. See the RBI press release of 6 August 2026.
Before you apply
- Ask for the Key Fact Statement (KFS) before you accept an offer. It shows the annual percentage rate (APR), all charges and the repayment schedule in one place.
- Compare the APR, not just the stated interest rate, because processing and other charges set by the lender change the real cost.
- Check the lender's processing fee, foreclosure and part-payment terms, and penal charges. These are set by the lender.
- Read the sanction letter for the name of the legal entity that is lending, as group companies often have similar names.
- Check your credit score (CIBIL or another bureau) and your existing EMIs first. Checking your own score does not lower it.
- Apply only where you are likely to qualify. Too many lender checks in a short time can lower your score.
You can see current rates on the interest rates page and estimate repayments with the EMI calculator. The label on this page that shows whether LOANZ 360 works with this lender or only gives information is drawn from our live records. To see how lenders are shown, read how we rank offers and the lending partners page.
Last updated 12 Nov 2026