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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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Starting 7.40% p.a.

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Offers from 25+ Banks & HFCs

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HDFC Bank
Min Loan Amt. ₹15L
Rate of Interest7.2% - 13.2%
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
IDFC First Bank
Max Loan Amt.Upto ₹10Cr
Rate of Interest8.85% - 18%
Tenure uptoUpto 30 Years
Processing FeeUpto 3%

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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.

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

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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.

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FAQs

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.

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.

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.

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

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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