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NRI Home Loan

Check out all details on Axis Bank’s NRI Home Loan. When it comes to making your purchase decision, be sure to explore all the NRI Home Loan Features for more information. One of the benefits of our NRI Home Loan includes attractive Interest Rates to avail best returns on your investments. This plan comes with minimal processing fees with flexible tenures. Our NRI Home Loan also provides customers with the best customer service for an optimal experience.

Features & Benefits

Incur minimal processing fees

Nominal costs involved in processing the application, for easier and faster application

Select a tenure that best suits your financial requirements

Choose a loan repayment period, anywhere from 1 to 25 years

Be assured of transparent processing

Get complete clarity on the process, fees and interest rates during the course of the loan

Pay lesser margins and save more

  • For loan up to ₹30 lakhs - Avail up to 90%
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Repay using one of the numerous options

Choose from any of the following convenient repayment options:

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Instantly apply for an Axis Bank NRI Home Loan

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Types of Home Loan

Top-Up Loan

With NRI Top-up Loan, get high-value loans up to ₹50 lakhs.

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Home Loans for Self-Employed NRIs

Explore a unique Home Loan solution that lets NRI entrepreneurs set up a dream home in their country

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Loan Against Property For NRI Salaried

Secure funds while keeping your assets intact.

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Eligibility Documentation

Eligibility for NRI Home Loan

If you are looking to apply for NRI Home Loan, then you would need to check if you are eligible for the same. You can check the list below to see who would and would not pass the NRI Home Loan eligibility.

Individuals eligible for an NRI Home Loan

  • Profiles - Non Resident Indian (NRI), Person of Indian origin (PIO), Overseas Citizen of India (OCI), except Citizens of Pakistan, Bangladesh, Sri Lanka, Afghanistan, China, Iran, Nepal, Bhutan, Macau or Hong Kong
  • Age - Minimum age of the applicant should be 21 years. Maximum age limit is 65 years or retirement age (whichever is earlier), at the time of loan maturity.
  • Work experience - Applicant should have a minimum overseas work experience of six months with total work experience of 2 years
  • Net Monthly Income
    • For GCC Countries - AED 6000 - p.m. (or equivalent)
    • Other Countries & USA - USD 3500 -p.m. (or equivalent)
    • For Merchant Navy - USD 2500 p.m. (9 months CDC subject to avg. of 2 years)

Documentation for NRI Home Loan

Submit the documents listed below and get a Home Loan / Loan Against Property sanctioned in 5 days!

Mandatory Documents
Application Form
PAN Card
Proof of Identity Any one of the following
Passport Aadhaar CardDriving License
Voter ID GOI issued Photo ID Govt Employee ID
Proof of Address Any one of the following
Aadhaar CardDriving LicenseVoter ID
GOI Issued Photo IDGovt Employee IDElectricity Bill
Gas Bill Telephone Bill (Land line)Property Tax Receipt
Date of Birth ProofAny one of the following
Passport PAN Card Aadhaar Card with DOB
Driving License Birth Certificate SSC Marksheet
Signature Proof Any one of the following
Passport PAN Card Banker's verification
Notarized affidavit with ID & Address proof (not applicable for financial applicant)
Proof of Income Any one of the following
Salaried Self Employed
  • 3 months pay slip
  • 6 months pay slip/2 yrs bonus proof (in case of variable pay)
  • 6 months bank statement showing salary credits
  • 2 yrs Form 16 (or employment continuity proof)
  • For NRI Salaried-
    • 3 month pay slip
    • Appointment letter/contract letter
    • Continuos Discharge Certificate for Shipping cases
    • 6 month Domestic NRE/NRO a/c statement
    • 6 month international salary a/c statement
    • Overseas credit report
    • Valid visa copy/OCI card
    • Passport copy
    • POA details
  • 2 yrs ITR, Computation of Income, P&L, Balance sheet with CA seal and sign
  • For Asha HL - 1 yr ITR, Computation of Income, P&L, Balance sheet with CA seal and sign
  • Tax Audit Report (If Gross Turnover Exceeds ₹1 Cr or Gross Receipts Exceeds ₹25 Lakhs)
  • 6 months bank statements of personal and business accounts
  • If ITR is filed without digital sign - CPC and tax paid challan
  • Business continuity proof (3 yrs for HL / 5 yrs for LAP)
For Balance Transfer / Takeover of Loan from other bank / financial institution
  • 12 months loan account statement with latest outstanding letter
  • Existing loan details and 6 months bank statement from where EMI is deducted
Lease Rental Discounting
  • 6 months bank statement where rent is credited
  • Registered valid lease agreements
  • 2 yrs ITR, Computation of Income, P&L, Balance sheet with CA seal and sign
  • 1 yr 26 AS
  • If Partnership firm - Partnership deed, 2 yrs audited financials, operative account, KYC, partnership authority letter
For applicants who are Partners in a Firm / Directors in a Company
Partner / Partnership FirmDirector of a Company
  • Partnership Deed, List of Partners, NOC as per Axis Bank format
  • Partnership firm's audited ITR along with complete financials
  • Partnership authority letter on letterhead of the Firm signed by all partners in case Firm to stand as guarantor
  • For the company - 2 yrs ITR, Computation of Income, P&L, Balance sheet with CA seal and sign
  • Tax Audit Report (Where Gross Turnover Exceeds ₹1 Cr or Gross Receipts exceeds ₹25 Lakhs)
  • Board Resolution (if Company is applicant) as per Axis bank format
  • Certificate of Incorporation, MOA and AOA
  • DIN of all Directors, Board Resolution if Company (as per Axis bank format)
  • Latest Share Holding Pattern duly signed by Company secretary/List of Directors
Other Important Documents and Checks
  • Completely filled and duly signed application form along with all applicants latest passport size photo
  • Aadhar card is mandatory for Credit Linked Subsidy Scheme (PMAY) applicants
  • PAN card is mandatory for all financial applicants
  • Processing Fee and CERSAI cheques
  • Self-attestation of borrowers on all documents submitted

Documents to be submitted before loan disbursement

Document Checks & Controls
Loan Agreement and Annexures
  • Loan agreement as per product type
  • Annexures to be duly filled, signed & stamped as per state law:
    • MII (Most Important Information) pages
    • MCLR consent letter
    • Schedule of loan agreement
    • List of Documents (LOD)
    • Loan restriction letter (if any)
    • Disbursement request letter
    • For NRIs – franked GPA document
    • Indemnity for under construction cases in plot loans
    • Guarantor agreement (if applicable)
  • Any alteration/correction to be authenticated by applicants
National Automated Clearance House (NACH) mandate/ Standing Instruction (SI) form and Security Cheques (SPDC)
  • NACH / SI mandate with a signed cancelled cheque with A/C holder's name as per bank records
  • SPDC - 3 undated security PDCs equivalent to EMI amount
    • 1 undated cheque with amount kept blank
    • 1 cheque towards PEMI amount
  • SPDC favoring "AXIS BANK LTD LOAN A/C Customer Name
Loan Cover/ Insurance Details
  • Property insurance application form (mandatory)
  • General insurance application form (if applicable)
  • Life insurance application form (if applicable)
Processing Fee / Equitable Mortgage cheques
  • Balance processing fee cheque (with clearance details)
  • Equitable mortgage charges / stamping charges favoring
    "AXIS BANK LTD A/C SERVICE CHARGES"
Property DocumentsProperty documents as per type of transaction, according to bank's policy
For Balance Transfer / Takeover of loan from other bank / financial institution
  • Original list of documents from previous financer
  • Latest 12 months loan A/C statement with latest outstanding letter
  • Existing loan details and 6 months bank statement from where EMI is deducted
  • Indenture of guarantee, undertaking of indemnity, forwarding letter and Annexures in Axis Bank format
Own Contribution Receipts
  • Own contribution receipts
  • Bank statement reflecting debit of own contribution paid
Sanction Letter
  • Duly accepted and signed by all applicants / power of attorney
  • All sanction conditions to be met
TDS
  • If TDS is being paid by applicant – TDS challan & bank statement reflecting debit of TDS paid
  • If TDS is not paid by applicant – Undertaking cum indemnity to deduct TDS amount from disbursement
PSL Documents
  • Financial documents (any of the below):
    • Audited balance sheet
    • CA certificate – original investment in Plant & Machinery
    • Copy of invoice (investment in Plant & Machinery)
  • Additional documents (any of the below):
    • Audited / Unaudited (Profit & Loss Account)
    • GST registration certificate
  • For LAP cases – PSL Annexures
Other Documents (to be collected if applicable)
  • Letter from customer towards opting for EMI in case of partly disbursed case
  • Vernacular/indemnity bond Dual name/dual sign affidavit
  • Credit Linked Subsidy Scheme (PMAY) affidavit
  • Amenities agreement duly signed by 3rd party/sellers
  • End use letter for Top Up/LAP/LAP top up cases

Click below to download the list of documents mentioned above.
List of documents required for Disbursement
List of documents required for Sanction

Disclaimer: This is an indicative list only. Additional documents may be asked for on a case-to-case basis.

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

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*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.

Y
21Y57Y
Y
3Y30Y
₹
8K1Cr
₹
01Cr
%
7% 18%

Your EMI* ₹ 4,800

Apply Now

*Equated Monthly Installment'

Loan Amount

₹ 1,55,455.03

For Interest Rates on Home Loans

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Quick Downloads

Axis Bank offers you an NRI Home Loan with attractive Interest Rates with nominal charges, flexible tenures and best customer service. Download forms for NRI Home Loans to apply for the same.

General Power of Attorney Format

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Asset Sales Centre

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