Axis Bank Home Loan Interest Rate 2026

Buying a home is a big financial decision, and a home loan can help you manage the cost over time. Axis Bank offers home loans at competitive interest rates based on factors such as CIBIL score, income, employment type, loan amount, and property details. Let us understand more about Axis Bank Home Loan interest rates in 2026, Asha Home Loan rates, processing fees and other charges, EMI calculation, and the factors that may affect the interest rate. This information can help us understand the loan costs before applying.

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Axis Bank Home Loan Interest Rates 2026 - Highlights

Axis Bank Housing Loans

CIBIL Score	Interest Rates (p.a.)
751 and above	8.00%- 8.85%
Between 750 and below/no credit history	8.20%-9.10%

Axis Bank Asha Home Loans

Job Profile	Interest Rates (p.a.)
Salaried	10.15%-11.90%
Self-employed	11.15%-11.90%

Axis Bank Home Loan Processing Fees & Other Charges

Charge	Applicable Fee
Processing Fee	Up to 1% of loan amount or Rs. 10,000, whichever is higher + GST 1% - 2% of the loan amount + GST applicable for ASHA Home Loan
Upfront Processing Fee	Rs. 5,000 + GST at application
Prepayment – Floating Rate	2% of outstanding principal/amount prepaid
CERSAI Charges	Rs. 50 for loans up to Rs. 5 lakh Rs. 100 for loans above 5 Lakh
Equitable Mortgage Charges	As applicable in the state
Stamp Duty & Statutory Charges	As per applicable state laws

Factors that Affect Axis Bank Home Loan Interest Rates

CIBIL Score: A higher CIBIL score can help you get a relatively lower interest rate.
Property Location: The location and value of the property can influence the interest rate offered.
Income: A stable and growing income shows better repayment capacity and may help in getting favourable rates.

Axis Bank Home Loan Interest Rates v/s Other Lenders (2026)

Name of Lender	Interest Rates*
ICICI Bank	7.40 p.a. onwards
HDFC Bank	7.20 p.a. onwards
Axis Bank	7.25 p.a. onwards
Bajaj Housing Finance	7.25 p.a. onwards
Bank of India	7.10% to 10.25% p.a.
Canara Bank	7.15% to 10.00% p.a.

* As on 10th September, 2026.

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How to Calculate Axis Bank Home Loan EMI

Before taking an Axis Bank Home Loan, it is important to know how much you will need to pay towards the loan every month. The EMI, or Equated Monthly Instalment, is the amount paid regularly to repay the borrowed amount along with the interest charged by the bank. You can use Paisabazaar’s Home Loan EMI Calculator to understand the EMI and amortization schedule.

Three key factors determine the EMI amount: the principal loan amount, the interest rate, and the repayment tenure . A higher loan amount or interest rate generally results in a higher EMI, while choosing a longer tenure can reduce the monthly instalment.

EMI Calculation Formula

Axis Bank Home Loan EMI can be calculated using the following formula:

EMI = [P × R × (1 + R)ⁿ] / [(1 + R)ⁿ – 1]

Here:

P refers to the total amount borrowed.
R represents the monthly interest rate.
N is the total number of monthly instalments.
EMI is the amount payable every month.

You can get the monthly interest rate by dividing the annual rate by 12, then by 100. Similarly, the number of instalments is calculated by multiplying the loan tenure in years by 12.

How to Avail Low Home Loan Interest Rates from Axis Bank

You can avail low home loan interest rates from Axis Bank in the following ways:

Improve your credit score
Check for pre-approved offers
Negotiate with the lender
Maintain a strong credit profile
Make a higher down payment

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FAQs

What is the current Axis Bank Home Loan Interest Rate in 2026?

Axis Bank Home Loan floating interest rates in 2026 range from 8.00%-8.85% p.a. for CIBIL scores of 751 and above, and 8.20%-9.10% p.a. for lower or unavailable scores.

How does Axis Bank determine its home loan interest rates?

Axis Bank determines home loan interest rates based on factors such as CIBIL score, income, employment profile, loan amount, property location and value, and repayment capacity. Higher creditworthiness may help secure better rates.

Should I choose a floating or fixed rate with Axis Bank?

A floating rate can benefit borrowers if market-linked rates decline, while a fixed rate offers greater payment certainty. Compare current rates, expected rate movements, tenure, and your financial stability before choosing.

What credit score is needed for the best Axis Bank home loan rate?

A CIBIL score of 760 or above may help borrowers qualify for Axis Bank’s more competitive home loan rates, currently listed at 8.00%-8.85% p.a., subject to eligibility and other factors. However, they may be eligible for the home loan even at slightly lower credit scores as well.

What is the Axis Bank Home Loan Interest Rate for salaried and self-employed borrowers?

For regular floating-rate housing loans, Axis Bank’s rates depend primarily on borrower and loan characteristics rather than employment type. For Asha Home Loans, rates are 10.15%-11.90% p.a. for salaried and 11.15%-11.90% p.a. for self-employed applicants.

What is the processing fee for an Axis Bank Home Loan?

Axis Bank Home Loan processing fees can be up to 1% of the loan amount or Rs. 10,000, whichever is higher, plus GST. Asha Home Loans may attract 1%-2% plus GST.

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Written By

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