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Compare Home Loan - Bajaj Home Finance vs Jammu And Kashmir Bank

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Interest Rate
Interest Rate
6.80% - 6.85%
7.20% - 7.60%
Processing Fees
Processing Fees
Upto 0.35%
Upto 0.25%
Min ₹ 500; Max ₹ 10,000
Maximum Loan Amount
Maximum Loan Amount
₹ 3.50 Cr
₹ 5 Cr
Maximum Tenure
Maximum Tenure
20 Years
15 Years
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 763
₹ 910
Benchmark Rate (Check Rates)
Benchmark Rate (Check Rates)
Minimum Age
Minimum Age
25 Years
21 Years
Maximum Age
Maximum Age
70 Years
65 Years
For Women
For Women
Overdraft Facility
Overdraft Facility
Customer Ratings (Read Reviews)
Customer Ratings (Read Reviews)
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Compare EMI of Bajaj Home Finance and Jammu And Kashmir Bank Home Loan

Loan Amount Bajaj Home Finance Jammu And Kashmir Bank
₹ 10 Lakh ₹ 7,633 ₹ 9,100
₹ 25 Lakh ₹ 19,083 ₹ 22,751
₹ 30 Lakh ₹ 22,900 ₹ 27,301
₹ 50 Lakh ₹ 38,167 ₹ 45,502

Which is a better bank for Home Loan – Bajaj Home Finance or Jammu And Kashmir Bank?

Bajaj Home Finance offers lower Home Loan EMI at ₹ 763 on a Home Loan for 20 Years as compared to Jammu And Kashmir Bank with a minimum EMI of ₹ 910 for 15 Years. Average customer ratings for Bajaj Home Finance is currently at 4.9/5.0 which makes it a good choice for taking a Home Loan.

How does Bajaj Home Finance Home Loan compare with Jammu And Kashmir Bank Home Loan?

It is important to do a detailed comparison of Bajaj Home Finance and Home Loan on all loan terms and conditions to understand their differences and take an informed decision. Keep in mind that each bank’s scheme has its own pros and cons that have to be evaluated before choosing the best offer. Some of the key results of the comparison between the two banks are:

  • Lowest Interest rate of Bajaj Home Finance Home Loan is 6.80%, which is lower than the lowest interest rate of Jammu And Kashmir Bank at 7.20% and hence, Bajaj Home Finance is offering a cheaper loan option.
  • When compared on other Home Loan charges such as processing fees, Jammu And Kashmir Bank charges a lower processing fees of 0.25% of the loan amount vs Bajaj Home Finance with a processing fees of 0.35% of loan amount.
  • Jammu And Kashmir Bank is a Private Bank with its Home Loan rates benchmarked to RLLR. Bajaj Home Finance is a HFC with its home loan rates benchmarked to PLR.
  • Bajaj Home Finance with an average customer ratings of 4.9 is equally comparable to Jammu And Kashmir Bank with an average customer rating of 4.9, and hence, the customer can expect the same kind of service levels from these banks.

Which bank offers lower interest rate on Home Loan – Bajaj Home Finance or Jammu And Kashmir Bank?

As per the current rates, Bajaj Home Finance offers a lower interest rate of 6.80% on Home Loan when compared to Jammu And Kashmir Bank which offers a Home Loan at 7.20%.

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Home Loan News - Jul 2021
  • 2021-07-16 : Amalgamation of Bank of Baroda, erstwhile Vijaya Bank and erstwhile Dena Bank
    Bank of Baroda, on its website, stated that the IFSC codes of the erstwhile Vijaya Bank and Dena Bank were discontinued on March 1, 2021. Customers have been asked to apply for cheque books with the new MICR code at the earliest.
  • 2021-07-16 : UBI update on change in IFSC code for merged banks - Andhra Bank and Corporation Bank
    Union Bank of India (UBI) on Friday said the IFSC codes of the erstwhile e-Andhra Bank and e-Corporation Bank branches will change with effect from July 1, 2021. Customers of the erstwhile banks will have to get new cheque books with changed IFSC and MICR codes
  • 2021-07-16 : Bandhan Bank total loans rise 8% to ₹80,128 crore in Q1, deposits up 28%
    Bandhan Bank witnessed an 8% rise in its loans and advances to ₹80,128 crores in the June quarter this fiscal. The loans and advances during the same period of 2020 stood at ₹74,331 crore. Compared sequentially, it was down by 8% from ₹87,043 crores in the March quarter. Total deposits grew by 28% year-on-year to ₹77,336 crores, while the CASA (current account and savings account) deposits jumped by 48% to ₹33,197 crores in the first quarter of 2021-22.
  • 2021-07-15 : Indian Bank merger with Allahabad Bank - Change in IFSC
    The Indian Bank, which has merged with the Allahabad Bank, carried out a software migration over the weekend. As the merger got completed, new rules had been issued by the bank with regard to its services. Existing customers were asked on July 1 to get a new IFSC code to carry out online transactions smoothly.
  • 2021-07-15 : OBC & UBI merged with PNB
    After the merger of OBC and UBI with PNB in April 2020, PNB has now updated the IFSC codes of all the branches of PNB and UBI. New IFSC codes have come into effect from July 1, 2021.
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