| Particulars | Details |
| Interest Rate | 8.00% - 11.90% p.a. |
| Loan Amount | Rs. 1 lakh – Rs. 5 crore |
| Loan Tenure | Up to 30 years |
| Processing Charges | Up to 1% (Min. of Rs. 10,000) + GST |
As updated on 13th April 2026
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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.
| Particulars | Details |
| Interest Rate | 8.00% - 11.90% p.a. |
| Loan Amount | Rs. 1 lakh – Rs. 5 crore |
| Loan Tenure | Up to 30 years |
| Processing Charges | Up to 1% (Min. of Rs. 10,000) + GST |
As updated on 13th April 2026
| Name of Lender | Interest Rates |
|---|---|
| Bajaj Housing Finance | 7.15% p.a. onwards |
| Bank of India | 7.10% - 10.25% p.a. |
| Canara Bank | 7.15% - 10.00% p.a. |
| Easy Home Finance | 8.99% p.a. onwards |
| Federal Bank | 7.30% - 10.75% p.a. |
| Godrej Housing Finance | 7.60% p.a. onwards |
| HDFC Bank | 7.20%* p.a. onwards |
| HDFC Sales Pvt. Ltd. | 7.20%* p.a. onwards |
| Home First Finance | 8.00% p.a. onwards |
| ICICI Bank | 7.45% p.a. onwards |
| IDBI Bank | 7.35% p.a. onwards |
| IDFC FIRST Bank | 8.85% p.a. onwards |
| India Shelter Home Loan | 14.00% p.a. |
| Jio Housing Finance | 8.20% p.a. onwards |
| L&T Finance Limited | 7.65%* p.a. onwards |
| Piramal Capital Housing Finance | 9.99% p.a. onwards |
| PNB Housing Finance | 7.50% p.a. onwards |
| Punjab & Sind Bank | 7.30% - 10.70% p.a. |
| Punjab National Bank | 7.25% - 9.30% p.a. |
| RBL Bank | 8.20% p.a. onwards |
| Sammaan Capital (Formerly known as Indiabulls Housing Finance) | 8.75% p.a. onwards |
| Shubham Housing Finance | 10.45% p.a. onwards |
| State Bank of India | 7.25% - 8.95% p.a. |
| Tata Capital Housing Finance | 7.50% p.a. onwards |
*when applied through Paisabazaar
Rates as of 13th April 2026
| Particulars | Applicable charges (exclusive of GST) |
|---|---|
| Processing Charges | Up to 1% of the loan amount, subject to a minimum of Rs. 10,000
An upfront processing fee of Rs. 5,000 is charged at the time of loan application submission |
| Prepayment Charges including part prepayment for floating rate loan | Nil |
| Prepayment Charges for a fixed-rate loan | 2% of the principal outstanding |
| Admin Charges | NIL |
| Penal Interest Rate | 8% p.a. above the applicable interest rate on the overdue amount (Max. 24% per instance) |
| Switching Fees (Floating Rate to Fixed Rate) | 1% on the outstanding principal with a minimum of Rs. 10,000 |
| Switching Fees (Fixed Rate to Floating Rate) | 2% on the outstanding principal amount |
| Switching Fees (From the Higher Fixed Rate to Lower Fixed Rate) | 0.5% on the outstanding principal with a minimum of Rs. 10,000 |
| Repayment Instruction/Instrument Return | Rs. 339 per instance |
| Cheque/Instrument Swap Charges | Rs. 500 per instance |
| Duplicate Statement Issuance Charges | Rs. 250 per instance |
| Duplicate Amortization Schedule Issuance Charges | Rs. 250 per instance |
| Duplicate Interest Certificate (Provisional/Actual) Issuance Charges | Rs. 50 per instance |
| CERSAI charges | For loans up to Rs. 5 lakh – Rs. 50; For loans above Rs. 5 lakh – Rs. 100 |
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Your Dream Home

Purpose: Axis Bank offers a regular home loan scheme to Resident Indians and NRIs for purchasing/constructing/renovating houses.
Loan Amount: Rs. 3 lakh - Rs. 5 crore
LTV Ratio:
| Particulars | Details |
|---|---|
| Loan amount up to Rs. 30 lakh | Up to 90% of property cost |
| Loan amount above Rs. 30 lakh - 75 lakh | Up to 80% of property cost |
| Loan amount above Rs. 75 lakh | Up to 75% of property cost |
Tenure: Up to 30 years
Purpose: Axis Bank QuikPay Home Loan allows borrowers to repay higher principal amounts earlier in the loan tenure. Thus, the EMIs reduce every month and the borrowers can save huge on the interest payout.
Loan Amount: Minimum Rs. 3 lakh
LTV Ratio:
| Particulars | Details |
|---|---|
| Loan amount up to Rs. 30 lakh | Up to 90% of property cost |
| Loan amount above Rs. 30 lakh - 75 lakh | Up to 80% of property cost |
| Loan amount above Rs. 75 lakh | Up to 75% of property cost |
Tenure: Up to 30 years
Purpose: Consumers can avail Shubh Aarambh Home Loan from Axis Bank for purchasing an under-construction/ready/resale home. This loan facility can also be availed for purchasing a plot plus construction thereon, self-construction of a home on an already owned plot and for making home extensions/improvements.
Shubh Aarambh Home Loan borrowers maintaining a clean track record of repayments are offered 12 EMI waivers – 4 EMIs each waived off at the end of the 4th, 8th and 12th year of the loan tenure. The repayment track record states that there should be no more than 3 instances of dues remaining unpaid for 30 days or more. The dues should not be overdue for more than 90 days at any point during the long tenure. Borrowers can also part prepay their Shubh Aarambh home loans as long as the tenure does not fall below 4 years.
Existing home loan borrowers of other lenders can exercise the home loan balance transfer facility to avail Shubh Aarambh Home Loan scheme.
Loan Amount: Up to Rs. 30 lakh
Tenure:
Purpose: Prospective home loan borrowers can avail Axis Bank Fast Forward Home Loan for purchasing an under construction/ready/resale home, plot plus construction, self-construction, or home extension/improvement.
Axis Fast Forward Home loan comes with 12 EMI waivers, with 6 EMIs waived off at the end of 10 years and another 6 months on completion of 15 years provided the borrowers have a clean repayment track record. The repayment track record states that there should be no more than 3 instances of dues remaining unpaid for 30 days or more.
The dues should not be overdue for more than 90 days at any point during the long tenure.
Borrowers can also part prepay their home loans as long as the tenure does not fall below 10 years. This loan facility is also available to existing home loan borrowers of other lenders planning to avail home loan balance transfer facility.
Loan Amount: Minimum Rs. 30 lakh
Tenure:
LTV Ratio:
| Particulars | Details |
|---|---|
| Loan amount from Rs. 30 lakh - 75 lakh | Up to 80% of property cost |
| Loan amount above Rs. 75 lakh | Up to 75% of property cost |
Purpose: Axis Bank offers an affordable home loan scheme branded as Asha Home Loans to applicants having a minimum combined family income of Rs. 8,000 per month to finance the purchase of ready/under construction/resale homes, repair/extension of existing property, self-construction of home and plot purchase plus home construction.
Axis Bank Asha Home Loan also comes with a waiver of 12 EMIs with 4 EMIs waived off at the end of the 4th year, 8th year and 12th year of the loan tenure. The borrowers availing Asha Home Loan scheme should have a clear repayment history i.e., there should be no more than 3 instances of dues remaining unpaid for 30 days or more. The dues should not be overdue for more than 90 days at any point during the long tenure. The home loan can also be part prepaid as long as the tenure does not fall below 4 years.
Loan Amount: Rs. 1 lakh – Rs. 35 lakh
LTV Ratio: Up to 90% of property cost (on loan amount up to Rs. 30 lakh)
Tenure:
Purpose: Axis Bank Super Saver Home Loan is a home loan overdraft facility wherein the applicants can deposit surplus funds in the linked overdraft account and withdraw money whenever needed within the pre-determined limit.
Loan Amount: Rs. 10 lakh – Rs. 5 crore
Tenure: Up to 20 years (plus 2 years moratorium period for partially disbursed loans)
LTV Ratio:
| Particulars | Details |
|---|---|
| Loan amount Up to Rs. 30 lakh | Up to 90% of property cost |
| Loan amount above Rs. 30 lakh - 75 lakh | Up to 80% of property cost |
| Loan amount above Rs. 75 lakh | Up to 75% of property cost |
Purpose: Axis Bank offers a Home Loan Balance Transfer facility wherein the existing home loan borrower can transfer the outstanding loan amount of their existing home loan to Axis Bank at the lower interest rate and/or for longer tenures.
Loan Amount: Up to Rs. 50 lakh
Tenure: Same as the outstanding home loan tenure
Purpose: Axis Bank Top-up Home Loan is offered to existing home loan customers and to home loan balance transfer customers requiring additional finances for personal/business requirements or for construction of residential/commercial property.
Loan Amount: Up to Rs. 50 lakh
Tenure: Same as the outstanding home loan tenure
Purpose: Axis Bank 24*7 Top-up Home Loan is a pre-approved loan offered to existing home loan customers without providing any additional collateral. The loan proceeds can be used for meeting personal or business requirements. The bank claims to disburse the loan instantly into the borrower’s account, where their existing home loan was disbursed.
Loan Amount: Rs. 20,000 – Rs. 25 lakh
Tenure: Up to 7 years or residual loan tenure, whichever is lower.
The eligibility criteria to apply for Axis Bank home are as follows:
Also Read: Home Loan Eligibility Criteria for Top 10 Banks and HFCs
In addition to the above-mentioned Axis Bank home loan eligibility criteria, the lender may also consider factors like credit score, monthly income and EMI/NMI ratio for evaluating the home loan eligibility of applicants.
The list of important documents required for a home loan is given below:
Also Read: Axis Bank Home Loan Status
Axis Home Loan Statement provides a summary of home loan account entries like part prepayment, EMI payment, charges incurred, etc. Borrowers of Axis Bank Home Loan can use the statement to claim tax deductions on home loans. Borrowers can download their Axis Bank home loan statement by logging into Axis Bank’s official website, using internet banking, or through the Axis Bank mobile app (Axis Mobile/open by Axis Bank). Borrowers can also get their statement through Whatsapp banking by sending ‘Hi’ to 7036165000.
Borrowers can also call at 1800 103 5577 (toll-free) or 1860 419 5555 / 1860 500 5555 (charges apply) to inquire about their home loan statement or visit any Axis Bank loan center or branch.
Contact details:
Click on Axis Bank Home Loan Customer Care/Grievance Matrix to know more about the customer care and grievance redressal process of Axis Bank Home Loan.
The applicants can apply for an Axis Bank Home Loan in the following steps:
Axis Bank Home Loan process can be explained in the following steps:
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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Your Dream Home

Axis Bank home loan interest rates starting from 8.00% p.a. onwards.
The home loan eligibility depends upon the income, age, credit score, number of dependents, asset and liabilities, occupation stability and continuity of home loan applicants.
Yes, your Axis Bank Home Loan interest rates can be converted from fixed to floating rates and vice versa, at mutually acceptable terms with the bank. However, the bank would levy a conversion fee of 2% of the outstanding loan amount.
Yes, you can convert your Axis Bank Home Loan interest rates from floating to fixed rates. However, the bank would levy a conversion fee of 1% of the outstanding loan amount.
Axis Bank offers home loans at both fixed and floating rates of interest. Hence, the applicants can choose between the two.
Yes, salaried individuals are eligible for all the home loan schemes offered by Axis Bank, provided they meet the various eligibility conditions set by the lender. However, salaried applicants need to select the home loan scheme based on how the features of the home loan scheme suit their requirements.
The floating interest rate for your home loan would change when the underlying benchmark rate of your home loan, like the MCLR, Base Rate, Prime Lending Rate, Reference Rate or external benchmarks like repo, T-Bill, etc. undergoes any change. However, the exact date of the rate change would depend on the rate reset date frequency set by the lender and the rate reset date set for your home loan.
Axis Bank charges a switching fee of 1% on the outstanding principal with a minimum of Rs 1,000 to change the home loan interest rates of existing home loan borrowers from floating to fixed. For changing home loans from fixed rates to floating rates, a fee of 2% on the outstanding principal is charged by the bank.
Yes, you can prepay your Axis Bank Home Loan subject to prepayment charges of 2% on the outstanding principal for a fixed rate of interest. No prepayment charges are levied on the applicants for prepayment of home loans offered at a floating rate of interest.
Existing home loan borrowers of Axis Bank can reduce their interest rates by switching from higher fixed interest rates to lower fixed interest rates by paying a switching fee of 2% on the outstanding principal. In the case of floating-rate home loans, the interest rates can be reduced from higher to lower by paying a switching fee ranging between Rs 1,000 to Rs 5,000 as per the loan amount.
In addition to availing Axis Bank Home Loan for the purchase or construction of new properties, you can also avail home loan from Axis Bank for carrying out improvements or extensions to your existing property. Applicants can also avail various home loan variants of Axis Bank such as QuikPay Home Loan, Shubh Aarambh Home Loan, Fast Forward Home Loan, Asha Home Loan and Power Advantage Home Loan for making improvements and extensions to their existing properties.
Yes, it is mandatory to have a co-applicant for Axis Bank Home Loan. The co-owner of the property should be the co-applicant of the home loan. If there is no co-owner, any member of the immediate family can be the co-applicant.
Axis Bank has not specified a cut-off credit score for its home loan applicants. However, credit scores of 700 and above usually increase the chances of availing home loans. A higher credit score can also help you to avail home loan at lower interest rates.
Axis Bank Home Loan applicants can switch from a higher rate of interest to a lower rate of interest with a nominal switching fee.
Axis Bank has not mentioned the facility of tenure increase option for reducing the home loan EMI. However, many lenders allow their existing home loan borrowers to increase their loan tenure in case of financial hardships. This is because the request for tenure increase is considered loan restructuring, which is considered to be a negative credit event by the credit bureaus.
You can Axis Bank Home Loan status through the official website of Axis Bank or through Axis Bank mobile app, opened by Axis Bank. You can also visit the Axis Bank branch to know the status of your Axis Bank Home Loan.
As per Axis Bank’s approved policy with effect from 1st January 2024, you can switch over from floating to fixed rate home loan and vice versa 3 times during the loan tenure.
Axis Bank returns the property documents within 15 days from the date of complete repayment of Axis Bank Home Loan.
Axis Bank has not disclosed whether purchasing home loan insurance is mandatory for the home loan or not.
It is not mandatory to purchase property insurance through Axis Bank for availing Axis Bank Home Loan.
Axis Bank Home Loan provisional certificate provides the complete details of the principal and interest components of your repayments for the current financial year. A home loan provisional certificate contains the borrower’s details, home loan account number, EMI dates, loan repayment details, home loan interest rate information, principal adjustments, payment updates, missed payments and part-payment details.
Axis Bank home loan borrowers can get their home loan interest certificate online by logging into the Axis Mobile app. Simply tap on Services and then select Loans to access the option to download or email the interest certificate. Alternatively, borrowers can also download their home loan interest certificate through Axis Bank’s internet banking.
Axis Bank charges a processing fee on home loans of up to 1% of the loan amount, with a minimum fee of Rs. 10,000. The bank collects an upfront processing fee of Rs. 5,000 at the time of application submission, with the remaining balance collected at the time of loan disbursement.
Borrowers can download their Axis Bank home loan statement by logging into the Axis Mobile app or through Axis Bank internet banking or the Axis Bank website. Alternatively, borrowers can call 1800 103 5577 (toll-free) or 1860 419 5555 / 1860 500 5555 (charges apply) to inquire about their home loan statement or visit any Axis Bank loan center or branch.
You can check your outstanding balance on your Axis Bank home loan account by downloading your Axis Bank home loan statement, by sending ‘Hi’ on Axis WhatsApp Banking Number (+91 70361 65000) using your registered mobile number, through mobile banking (Axis Mobile) or through internet banking.
Home loan borrowers of Axis Bank have to sign a NACH/SI debit mandate with a signed cancelled cheque to authorise Axis Bank to deduct the home loan EMI every month on a particular date from the linked savings account.
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