Got more questions?
For any queries, locate the nearest branch.
Locate BranchesTo access the old website
Click Here
Home Loan
Our affordable and flexible Home Loans are designed to take you closer to your dream home. Our Home Loan affordability tool calculates your estimated EMI based on factors such as loan tenure, amount, and interest rates, tailored to your specific needs. Discover our diverse selection of products offering highly competitive Home Loan Interest Rates , extended repayment periods, and additional advantages such as EMI waivers.
Features & Benefits
Attractive interest rates
Enjoy affordable Home Loans with competitive Interest Rates to make your dream home a reality.
Hassle-free loan balance transfer
Transfer your existing home loan to Axis Bank, without any hassles.
Doorstep service
We value your time and are pleased to provide doorstep service for your convenience.
No prepayment charges
Pay off your loan early without any additional prepayment charges (for floating rate loans).
Transparent processing
Experience quick and transparent loan processing for hassle-free approval.
Flexible tenure
Repay your home loan with smaller EMIs over a longer tenure, depending on your financial needs.
Great plans start with well-calculated decision
Home Loan EMI Calculator
Calculating your Home Loan EMI is now easier than ever with our user-friendly and efficient Home Loan EMI Calculator. Whether you have a ₹30 lakh home loan EMI for 20 years or a ₹20 lakh home loan EMI for 10 years, use our Home Loan EMI calculator to effortlessly manage your repayments and make your dream home a reality.
₹
3L
5Cr
%
6.50% 11%
Y
1Y30Y
Your EMI*₹ 1,14,678
Get a call back*Equated Monthly Installment'
Note: To see amortization schedule, please click here.
Total Amount Payable
1,37,621
Home Loan Eligibility Calculator
A place to call our own is an aspiration for most of us. But owning a home requires a lot of planning, given the costs involved. However, with the right kind of financial support, buying your own home is a dream that you can fulfil easily.
Loan Amount
₹ 1,55,455.03
Axis Bank Home Loan Interest Rates
The Home Loan interest rates and EMIs mentioned above apply to loans under the Adjustable-Rate Home Loan Scheme or Floating Interest Rates. These rates are linked to the bank's repo rate and may vary any time during the loan tenure. To know more about the loan slabs and rates, click on the tab below. The Interest Rates mentioned are based on the CIBIL score of 751 and above.
Axis Bank Home Loans
Housing loans for resident Indian and NRI salaried and Self-Employed customers. Attractive fixed and floating interest rates.
Loan amount starting from
₹3 lakhMaximum tenure up to
30 Years
Attractive Home Loan Features
Apply NowSmaller EMIs
Starting from ₹3 lakh to ₹10 crore
Hassle free early loan settlement
Interest rate flexibility
Types of Home Loan
Whether you're a first-time homebuyer, looking to upgrade or more, we have a loan solution designed for you.
Home Loan for Every Budget
Home Loan in your City
Look through at the available Home Loan options in your city.
Home Loan for Different Salaries
How to apply for a Home Loan
Online
Offline
How to apply for a Home Loan
Follow this step-by-step guide when applying for a housing loan from Axis Bank
- 01
Application procedure
Complete the housing loan application with accurate personal, employment, and financial details.
- 02
Processing fee
Remit the processing fee to commence validating your application.
- 03
Financial review
Engage with the bank to clarify Home Loan terms based on your financial profile.
- 04
Digital application
Utilise the online platform to submit documents for a Home Loan application.
- 05
Loan evaluation
The bank assesses your application in line with its credit policies.
- 06
Loan sanction
Receive a detailed sanction letter post-approval outlining loan specifics.
- 07
Property scrutiny
Undergo property inspection for legal and valuation compliance.
- 08
Disbursement
The loan is disbursed on positive verification, enabling your property investment.
Apply Now
Your guide to a Home Loan application
Follow these easy steps
- 01
Application procedure
Visit nearest Axis Bank branch, where a loan executive will guide you through the application process. Complete the application form with accurate personal, employment, and financial details.
- 02
Processing fee
Pay the processing fee to commence validating your application.
- 03
Bank discussion
Following submitting your application form and completing necessary documentation, the bank may request a face-to-face or telephonic discussion with you.
- 04
Loan evaluation
The bank assesses your application in line with its credit policies.
- 05
Loan sanction
Receive a detailed sanction letter post-approval outlining loan specifics.
- 06
Property scrutiny
Undergo property inspection for legal and valuation compliance.
- 07
Disbursement
The loan is disbursed on positive verification, enabling your property investment.
Apply Now
Already Applied? Track your application here
Have your Application ID or PAN card ready for a hassle-free experience
Track NowDo's and Don’ts for a Home Loan
Do’s
Don’ts
Tips to know about Home Loan
Please be aware that merely submitting the required documents does not guarantee your housing loan approval. Whether your Home Loan application is accepted or rejected, depends on meeting the bank’s criteria. Axis Bank assumes no responsibility.
Fees & Charges
Frequently Asked Questions
A Home Loan Equated Monthly Instalment (EMI) is your regular payment towards the borrowed amount, divided into principal and interest components. Calculated from the loan's principal, interest rate, and tenure, the EMI ensures a steady reduction in your loan balance. For seamless management, it's deducted from your savings account Adjusting the EMI or loan tenure may be necessary if interest rates change, ensuring consistency in repayment when you apply for a Home Loan
A Home Loan is secured to finance the purchase or construction of property, with the property itself serving as collateral. In contrast, a mortgage refers to a loan secured by property already owned, often fearing higher interest rates. Both involve pledging property to the lender, but they serve different financial purposes and are subject to varying interest rates in India.
Fixed-rate Home Loans have a constant interest rate throughout the tenure, providing payment stability. In contrast, floating-rate loans have an interest rate that varies with market conditions, offering the possibility of lower rates over time but with less predictability.
Initiate your Axis Bank Home Loan application by completing the form online or at the branch or loan or at any Axis Bank branch. Submit your application along with the requisite KYC documentation. Post sanction, provide the necessary property documents. Following document verification and property appraisal, the loan approval and disbursement occurs within 15 days, subject to accurate and complete documentation.
Salaried applicants must provide their latest salary slips, Form 16, bank statements, and KYC documents, which include proof of identity, address, and income. Employers' certification may also be required to validate employment status and income details.
Enhance your Home Loan eligibility by maintaining a strong credit score, having a stable job history, reducing existing debts, and saving for a higher down payment Consistent income and a low debt-to-Income ratio also strengthen your application.
Applying for a Home Loan online offers significant benefits, streamlining the application process. This saves time, simplifies comparisons of loan options, and calculates eligibility and EMIs instantly. The digital platform ensures a smooth customer experience, removing the need to visit a branch and facilitating a hassle-free and efficient loan application journey.
Various Home Loan options are available to suit different housing needs. These include:
- Standard Home Loans for buying a residence.
- Land Purchase Loans for acquiring a plot.
- Construction Loans for building a home.
- Home Improvement Loans for renovation projects.
- Top-up Loans for additional funding on existing loans.
- Balance Transfer Loans to switch lenders for better terms.
- Pre-approved Home Loans for quicker loan processing.
Home Loans can be utilized for enhancing your property through renovations or adding extensions. Given their lower interest rates compared to personal loans, they are a cost-effective option for home improvement financing.
Axis Bank offers Home Loans up to ₹5 crores. Check your eligibility with the Home Loan Eligibility Calculator to understand the potential loan amount available to you.
Upon submission of the requisite documents, Axis Bank typically sanctions a Home Loan within five business days, enabling a swift start to your home financing journey.
A Home Loan Balance Transfer enables you to shift the outstanding loan amount to a different lender, often for a lower interest rate or a longer repayment term. This strategy can result in reduced interest costs and better financial management. Additionally, you might have the option to obtain further financing through a top-up loan during the balance transfer process.
Here's what you can do if your home loan application is denied:
- Examine your finances and credit report closely. Improving your credit score or paying off existing debt can make a significant difference.
- If the loan amount is an issue, consider asking for a smaller loan or making a larger down payment. Reduced risk to the lender often equates to a greater chance of loan approval.
- Check over each document you provide. Unfinished or incorrect paperwork can sabotage even the best application. Verify everything twice before reapplying.
Close those gaps, tighten up your application, and you will increase your chances of approval when you reapply.
It is permissible to have multiple Home Loans concurrently, subject to certain conditions:
- No legal restrictions on holding more than one Home Loan.
- Approval is contingent on satisfying the lender's eligibility criteria
- The borrower must demonstrate adequate repayment capacity.
Principal repayment qualifies for a deduction up to ₹1.5 lakh under Section 80C. Interest payment offers a deduction up to ₹2 lakh per annum under Section 24(b) Additional deductions up to ₹1.5 lakh for loans under the affordable housing segment as per Section 80EEA, subject to certain conditions. Do note that Section 80EEA benefits are not applicable for home loans taken post March 31, 2022.
The processing fee for a Home Loan is a one-time charge, up to 1% of the loan amount. This fee covers the administrative costs incurred during the loan application process
Learning Hub
Look through our knowledge section for helpful blogs and articles.
Copyright@ 2025 Axis Bank