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Aditya Birla Housing Finance Home Loan

Aditya Birla Limited offers home loans starting from 7.75% p.a. Prospectibe borrowers can compare Aditya Birla Home Loan offers with other lenders and apply with ease with no documentation, end-to-end digital process and instant disbursal.
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15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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Competitive Interest Rates

Starting 7.40% p.a.

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HDFC Bank
Min Loan Amt. ₹15L
Rate of Interest7.2% - 13.2%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
ICICI Bank
Min Loan Amt. ₹15L
Rate of Interest7.65% - 9.80%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
Axis Bank
Min Loan Amt. ₹30L
Rate of Interest8.35% - 11.90%
Tenure uptoUpto 30 Years
Processing Fee₹ 14,000

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How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

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Aditya Birla Home Loan Highlights

Interest Rate 7.75% p.a. onwards
Loan Amount Up to 90% of property value
Loan Tenure Up to 30 years
Processing Charges Up to 1% of loan amount

Rates as of 9th December

Aditya Birla Home Loan Interest Rates

Type of Employment Rate of Interest (p.a.)
For Salaried 7.75% onwards
For Self Employed 8.00%  onwards

Compare Interest Rates on Home Loans for Top Banks & HFCs

Name of Lender Loans of Up to Rs. 30 Lakh
Bank of India 7.35% p.a. onwards Check Eligibility
State Bank of India 7.50% p.a. onwards Check Eligibility
Punjab National Bank 7.50% p.a. onwards Check Eligibility
Canara Bank 7.40% p.a. onwards Check Eligibility
HDFC Bank 7.90% p.a. onwards Check Eligibility
Bajaj Housing Finance 7.45% p.a. onwards Check Eligibility
ICICI Bank 8.75% p.a. onwards Check Eligibility
Axis Bank 8.30% p.a. onwards Check Eligibility
Federal Bank 8.75% p.a. onwards Check Eligibility
Kotak Mahindra Bank 7.99% p.a. onwards Check Eligibility
IDFC FIRST Bank 8.85% p.a. onwards Check Eligibility
IDBI Bank 7.55% p.a. onwards Check Eligibility
RBL Bank 8.20% p.a. onwards Check Eligibility
Tata Capital Housing Finance 7.75% p.a. onwards Check Eligibility
PNB Housing Finance 8.25% p.a. onwards Check Eligibility
Sammaan Capital
(Formerly known as Indiabulls Housing Finance)		 8.75% p.a. onwards Check Eligibility
India Shelter Home Loan 10.50% p.a. onwards Check Eligibility
L&T Finance Limited 8.70% p.a. onwards Check Eligibility
Godrej Housing Finance 7.75% p.a. onwards Check Eligibility
Home First Finance 8.00% p.a. onwards Check Eligibility
Easy Home Finance 11% p.a. onwards Check Eligibility
Piramal Capital Housing Finance 9.49% p.a. onwards Check Eligibility
Shubham Housing Finance 10.45% p.a. onwards Check Eligibility
Punjab & Sind Bank 7.55% p.a. onwards Check Eligibility
Jio Housing Finance 8.20% p.a. onwards Check Eligibility
HDFC Sales Pvt Ltd 7.90% p.a. onwards Check Eligibility

Aditya Birla Home Loan Processing Fees & Charges

Particulars Charges
Processing fees Up to 1% of the loan amount
Part Payment /Pre-Closure Charges (applicable for non-individuals/individuals with other than floating rate) Floating rate loans given to individuals: No chargesFixed rate loan given to individuals (Pre-closed by own sources): No charges

Home loans (other than floating rate home loans) to individuals: 2% of principal outstanding paid
Default Penal Interest Rate / Non Conformance with any covenants / stipulated conditions 24% p.a. i.e. 2% per month
Cheque Return Charges/NACH failure charges Rs. 750 per instance
CERSAI Charges When facility amount is equal to Rs. 5 lakh or lesser: Rs. 50 per property When facility amount is greater than Rs. 5 lakh: Rs. 100 per property
Overdue Charge 2% per month on overdue payment
Revision of Fixed rate to floating and vice-versa/ revision in loan interest rate/ tenure at the discretion of ABHFL 2% of the loan outstanding

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Types of Aditya Birla Home Loan

Different customers have different home loan requirements. To cater to such different loan requirements, ABHFL offers home loans for several purposes. Some of them are discussed briefly as below:

Aditya Birla Home Loan

  • A regularhome loan scheme availed for purchasing new or resale residential property
  • Loan amount is up to 90% of the property value
  • Repayment period is up to 30 years
  • Home loan balance transfer facility is also available for existing home loan borrowers who want to transfer their outstanding home loans from other lenders to Aditya Birla Housing Finance

Aditya Birla Home Extension Loan

  • Home Extension Loan is for financing costs related to house extension such as adding additional rooms and floors, etc.
  • The repayment period is up to 20 years
  • The balance transfer option is available

Aditya Birla Home Improvement Loan

  • Home Improvement Loan covers expenses related to home renovation such as repairing, flooring, water-proofing, false ceiling, woodwork, tiling, plumbing, or electrical work of an already purchased house
  • The repayment period is up to 10 years

Aditya Birla Plot and Construction Loan

  • Loans for anyone who plans to buy a residential plot and build a house on it within the next few years
  • The repayment period is up to 20 years

Aditya Birla Home Construction Loan

  • Home Construction Loan is for individuals who want to build a house on an already owned plot
  • The repayment period is up to 20 years

Aditya Birla PMAY and Affordable Housing

  • Types of home loans offered under ABHFL Affordable Housing are home purchase loan, home improvement loan, and plot purchase plus home construction loan
  • Offers loans with Credit Linked Subsidy Scheme (CLSS) under Pradhan Mantri Awas Yojana (PMAY) to eligible customers
  • Simple EMIs or structured repayment options
  • Repayment period of up to 30 years
  • Balance transfer facility is available for transferring outstanding home loans from other banks/HFCs to Aditya Birla Housing Finance at lower interest rates

Aditya Birla Home Loan Eligibility

Aditya Birla Housing Finance Ltd. offers home loans for multiple purposes, each having its own eligibility criteria. The common Aditya Birla Home Loan Eligibility Criteria is:

Borrower Profile Indian Residents/NRIs/PIOs
Employment Type Salaried/Self Employed
Age 21 to 70 years
Credit Score Preferably 750 and above
Income Varies from case to case

Aditya Birla Home Loan Documents Required

  • Duly filled and signed Aditya Birla Home Loan application form
  • Passport size photographs
  • Proof of Identity (Any one): Aadhaar Card / PAN Card / Passport / Driving License / Voter ID Card
  • Proof of Residence (Any one): Aadhaar Card / Passport / Driving License / Telephone Bill / Ration Card / Election Card / Any other Certificate from Statutory Authority
  • Property Documents: A copy of title documents and approved sanction plan
  • Account Statement: Last 6 months’ bank account statements
  • Proof of Income (For Salaried): Salary slips of last 3 months showing deductions and a copy of Form 16
  • Proof of Income (For Non-Salaried): IT Returns or financial documents for the last 2 years and computation of income certified by a CA for the last 2 years
  • Proof of Other Income: Rental receipts or documents showing receipt of income

Note: ABHFL may request additional documents for processing your loan.

How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

Apply Now

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FAQs

How will Aditya Birla Housing Finance Ltd. decide my home loan eligibility?

Aditya Birla Housing Finance Ltd. will decide your housing finance eligibility on the basis of several factors including your age, repayment capacity, property value and location, total income, existing liabilities, occupation and employer’s profile.

Is there a minimum limit on the loan amount that I can apply for?

Aditya Birla Home Loan has no minimum limit on the loan amount. The lower limit on the minimum amount is subject to change as per changes in the internal policies and guidelines of ABHFL.

Is adding a co-applicant compulsory to apply for Aditya Birla Home Loan? If yes, who can be the co-applicant?

Adding a co-applicant when applying for Aditya Birla home loan isn’t necessary. The co-owners of the property can be the co-applicant. If there is no co-owner of the property, any immediate family member can be the co-applicant.

What are the different modes of home loan repayment accepted by ABHFL?

Home loan borrowers can repay their loan installment through NACH (National Automated Clearing House).

Is it possible to increase the tenure for my Aditya Birla Home Loan?

Aditya Birla Housing Finance has not yet disclosed if its borrowers are allowed to extend the tenure of their existing home loans. However, most banks and HFCs permit existing borrowers to extend their home loan tenure, provided the revised tenure does not exceed the maximum tenure offered by the lender or the maximum age allowed at the time of loan maturity.

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What our customers say

Time saving process

Office ke chalte jyada samay nahi nikal pata tha. Paisabazaar ke online process ki wajah se na hi mene banks ke rates compare karliye ghar bathe balki mera loan application aur disbursal bhi ghar bathe hi ho gaya...bank jana hi nahi pada...

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Pradeep SinghJan 7, 2026

Kam rates pe loan mila

Paisabazaar se mujhe bahut kam rate pe loan mil gaya...isse mere budget pe jada asar nahi pada aur jald hi mera apna ghar ho jayega..

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Nidhi SharmaJan 6, 2026

eligibility check ho jati hai free

me home loan lene ka soch raha tha uske liye mene pehle paisabazaar app se free me apni eligibility check ki..usse mujhe pata chala muje kya cheeze improve karni hai aur fir mera loan jaldi approve ho gaya.

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Shikhar SahuJan 5, 2026

Home loan mila yaahaan par

Mujhe home loan chahiye tha aur yahaan par sahayta kiya inhone aur loan mila. Pehla loan tha mera lekin sab ache se ho gaya.

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Prem Prakash PandeyDec 7, 2025

Home loan here

I took home loan here and they helped me in every step specially in collecting and submitting documents at the time of approval.

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Chandan SinghDec 1, 2025

Got the best home loan interest rate

I was confused and did not have so much time to carry out all the research, so I logged in to Paisabazaar’s portal and was able to see the home loan options I was eligible for. With the assistance of Paisabazaar’s experts, I was able to find the home loan that offered the rate of interest I could afford. Thank you Paisabazaar!

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Anu BhatnagarSep 10, 2021

Excellent Home Loan Service by Paisabazaar

Ended up taking an ICICI Home Loan and I think it was one of the best decisions I ever made. I thank Paisabazaar for helping me out and answering my questions with so much patience.

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KJ ThomasSep 10, 2021

Had a great experience with Paisabazaar

I have always heard my friends talking about how tedious it was for them to avail a home loan and decide the most suitable option. But with the help of Paisabazaar, I was able to compare several home loans and opt for the one that suited my needs. I am happy that I considered Paisabazaar for helping me.

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Ritesh SharmaSep 10, 2021

quick and easy home loan process

I had never thought that applying for a home loan could be so easy. The entire process was online and I didn’t have to go anywhere for application or documentation of my home loan. Paisabazaar experts helped me navigate through the process and later the bank collected my documents and everything was quick and seamless.

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Rupanjali MishraSep 3, 2021

Satisfied experience with Paisabazaar

I am satisfied with my home loan experience with Paisabazaar. I could easily compare different home loan options and apply for the home loan. Their customer care team also called me to confirm all the details and soon after the bank contacted to take the process forward. The process was really smooth.

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Soumil KhannaSep 3, 2021
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