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AU Small Finance Bank Home Loan

AU Small Finance Bank Ltd. offers home loans at interest rates of up to 22% p.a. for loan amounts up to Rs. 5 crore with repayment tenures of up to 10 years. The small finance bank also provides home loans for no-income proof customers in rural India and claims to offer home loans with quick disbursal, minimal documentation and doorstep servicing. AU Small Finance Bank Home Loan schemes offers multiple home loan schemes for purchase of new home/resale property, plot purchase & home construction and home renovation.
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Lowest interest rates starting from 7.1%

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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 7.10% 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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AU Small Finance Bank Home Loan Highlights

Interest Rate Up to 22% p.a.
Loan Amount Up to Rs 5 crore
Loan Tenure Up to 10 years
Processing Fees 1.50% to 2% of the loan amount

AU Small Finance Bank Home Loan Interest Rates

AU Bank offers Home Loan at an interest rate of up to 22.00% p.a. Although AU Small Finance has not specified the role of factors like its loan applicants’ credit scores, occupation profile, income, EMI/NMI ratio, etc., most lenders determine their home loan interest rates based on the above mentioned factors.

Compare Interest Rates on Home Loans for Top Banks & HFCs

Name of Lender Loans of Up to Rs. 30 Lakh
Bank of India 7.10% p.a. onwards Check Eligibility
State Bank of India 7.25% p.a. onwards Check Eligibility
Punjab National Bank 7.20% p.a. onwards Check Eligibility
Canara Bank 7.15% p.a. onwards Check Eligibility
HDFC Bank 7.90% p.a. onwards Check Eligibility
Bajaj Housing Finance 7.40% p.a. onwards Check Eligibility
ICICI Bank 7.65% p.a. onwards Check Eligibility
Axis Bank *8.25% p.a. onwards Check Eligibility
Federal Bank *7.90% p.a. onwards Check Eligibility
Kotak Mahindra Bank 7.70% p.a. onwards Check Eligibility
IDFC FIRST Bank 8.85% p.a. onwards Check Eligibility
IDBI Bank 7.35% 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 *7.20% p.a. onwards Check Eligibility
Sammaan Capital
(Formerly known as Indiabulls Housing Finance)		 8.75% p.a. onwards Check Eligibility
India Shelter Home Loan 8.43% p.a. onwards Check Eligibility
L&T Finance Limited *8.40% 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 8.99% p.a. onwards Check Eligibility
Piramal Capital Housing Finance *8.25% p.a. onwards Check Eligibility
Shubham Housing Finance 10.45% p.a. onwards Check Eligibility
Punjab & Sind Bank 7.30% 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

AU Small Finance Bank Home Loan Fees and Charges

The home loan processing fees and other charges for availing AU Small Finance Bank Home Loan are as follows:

Processing Fees

Particulars Rates
Processing fees/Administrative Charges 1.50% to 2% of the loan amount

Prepayment/Foreclosure charges (for partial prepayments)

Particulars Rates
If prepayment is for up to 6 months from the last disbursement date 5% of the amount prepaid partially.
If prepayment is done after 6 months and up to 12 months from the last disbursement date
  • No prepayment charge taken if the deposited amount is up to 25 % of principal amount (starting of the financial year)
  • 5% of total amount partially prepaid in a financial year, if the sum of all part prepayment crosses the limit of 25% of opening principal in starting of FY i.e. the charges are applicable on total amount partially prepaid in the same financial year.
If prepayment is done after 12 months from last disbursement date
  • No prepayment charge taken if the deposited amount is up to 25 % of principal amount (starting of the financial year)
  • 5% of total amount partially prepaid in a financial year, if the sum of all part prepayment crosses the limit of 25% of opening principal in starting of FY i.e. the charges are applicable on total amount partially prepaid in the same financial year.

Prepayment/Foreclosure charges (for full closure)

Particulars Rates
If prepayment is done for up to 12 months from last disbursement date 5% of the balance amount at the time of foreclosure
If prepayment is done after 12 months from last disbursement date 4% of the balance amount at the time of foreclosure

Other charges

Particulars Rates
Interest on overdue EMI At the contracted rate of interest
Penal Charges on EMI default Rs 0.65 per Rs 1,000 (or every part
thereof) will be charged daily on
overdue EMI
CERSAI Charges Rs 50 for loan amount up to Rs 5 lakhs;
Rs 100 for loan amount above Rs 5
lakhs;
or as per the charges levied by CERSAI
RCU Charges Rs 500
Property Legal Charges Rs 5,500 per Legal report for Delhi
and Mumbai;
Rs 3,500 per Legal report for the rest of
states/ locations
Provisional/ Final Interest certificate Nil
Change in Instalment date Rs 500 + difference period
interest (if any)
Conversion from fixed to floating, floating to fixed, reduction of rate, change in structure 1% of principal outstanding
Lender NOC/ Solvency Certificate Minimum: Rs 10,000 & Maximum Rs 50,000
Foreclosure statement charge/Statement of account Rs 500
ROC filling charges At actuals
Duplicate Copy of Property/ Loan Document Rs 1,000
Cheque/Disbursement/Loan cancelation (per case) Rs 1,000 (within 7 days of cheque issue date)
Rs 1,000 plus interest up to cancelation period
Property Valuation Charges Rs 2,500/valuation report
Legal & Courier Charges Rs 1,100
Replacement of Property/Asset/Collateral Rs 2,500
Collection Charges Rs 600 per visit

Types of AU Small Finance Bank Home Loan

AU Small Finance Bank Home Purchase Loan

  • Purpose: Prospective borrowers can apply for home loan for the purchase of flats, houses and bungalows from builders, developmental authorities and purchase of resale properties
  • Loan amount: Starting from Rs 2 lakh
  • Loan tenure: 1 to 20 years (for cash salaried/SEP/SENP) and 1 to 30 years (for bank salaried)

AU Small Finance Bank Home Construction Loan

  • Purpose: For construction of your homes with financing of up to 100% of the estimated cost
  • Loan amount: Starting from Rs 2 lakh
  • Loan tenure: 1 to 20 years

AU Small Finance Bank Home Improvement Loan

  • Purpose: For repair and renovation of your existing homes with financing of up to 100% of the estimated cost
  • Loan amount: Starting from Rs 2 lakh
  • Loan tenure: 1 to 20 years

AU Small Finance Bank Land Purchase and Construction Loan

  • Purpose: To finance the purchase of a plot and construct a home
  • Loan amount: Starting from Rs 2 lakh
  • Loan tenure: 1 to 20 years

AU Small Finance Bank Home Loan Balance Transfer

  • Purpose: To transfer your existing home loan to AU Small Finance Bank while availing the benefit of lower interest rates and EMIs
  • Loan amount: Starting from Rs 2 lakh
  • Loan tenure: 1 to 20 years (for cash salaried/SEP/SENP) or 30 years (for bank salaried)

AU Small Finance Bank Home Loan Top Up

  • Purpose: To borrow additional loan amounts, over and above your existing AU Small Finance Bank Home Loan, to finance additional home/personal needs. This top up facility is available both for existing and new AU bank customers.
  • Loan amount: Starting from Rs 50,000
  • Loan tenure: 1 to 15 years

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Eligibility Criteria for Availing AU Small Finance Bank Home Loan

The home loan eligibility criteria for availing AU Small Finance Bank Home loan are as follows:

  • Indian resident
  • Minimum age: 18 years
  • Maximum age: 70 years at the time of loan maturity (75 years for home purchase loan)

Documents required for AU Small Finance Bank Home Loan

The list of home loan documents required for availing AU Small Finance Bank Home Loan are mentioned below:

Identity, age and address proof

  • Valid Passport
  • Voter ID Card
  • Aadhaar Card
  • PAN card
  • Valid Driving License

Loan applicants should contact the nearest AU branch to know the complete list of acceptable KYC documents

Income proof (for salaried)

  • Salary Slips/ Bank Statements/ Form-16
  • Salary Certificate (cash salaried cases)

Income proof (for self-employed)

  • IT Returns and/ or Financial Statements of last 3 years and/or
  • Informal Income Documents

Other documents

  • Application form with photograph duly signed
  • Processing fee cheque
  • Proof of business existence
  • Last 6 months bank statements

Property related documents

  • Title deeds of the plot
  • Proof of no encumbrances on the property
  • Construction estimate by an architect/civil engineer

How to Apply for an AU Small Finance Bank Home Loan?

You can apply for AU Small Finance Bank Home Loans either by visiting the lender’s website or its nearest branch.

Steps to Apply for AU Small Finance Bank Home Loan Online

  • Go to the official website of AU Small Finance Bank
  • Select ‘Home Loans’ under the ‘Retail Loans’ tab of the website
  • Click on the ‘Home Purchase Loan’ scheme option
  • Fill your name, mobile number, email id, city and captcha details and click on the ‘Apply Now’ button to apply for the home 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

What is the current interest rate on home loans in AU small finance bank?

AU Small Finance Bank offers home loan at an interest rate of up to 22.00% p.a. While the lender offers fixed, floating and flexi home loan interest rates to its loan applicants, it has not specified the differentiated interest rates offered under each of these options.

What is the maximum home loan limit for AU Small Finance Bank?

The minimum loan amount offered by AU Small Finance Bank Home Loan is up to Rs 5 crore. However, it shall as per applicant’s profile and repayment capacity.

What is the minimum credit score required to avail AU Bank Home Loan? 

The lender has not specified the minimum credit score requirement for its home loan applicants. However, applicants having credit scores of 700 and above usually have higher chances of getting home loan approval.

Who can be the co-applicant in AU Small Finance Bank Home Loan?

AU Small Finance Bank Home Loan applicants can apply for the loan jointly with their spouse, close family members or co-owners of the property. The income of the co-applicant can be clubbed with the primary loan applicant to calculate the home loan amount.

What are the tax benefits of AU Small Finance Bank home loan?

AU Small Finance Bank Home Loan borrowers can claim deductions on the interest repayment of up to a maximum of Rs 2 lakh under Section 24(b) of the Income Tax Act. They can also claim tax deductions of up to Rs 1.5 Lakh on the repayment of the principal under Section 80(C).

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What our customers say

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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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