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Home LoanFind customised home loan solutions for your unique needs
Balance TransferFind a better interest rate for your existing home loan
Top up Home LoanGet a loan on your existing home loan to meet your needs
Loan Against PropertyTurn your assets into a financial ally
Personal LoanMeet all your dreams and needs with a collateral-free Personal Loan
Flexi LoanMake loan repayment flexible and hassle-free with Flexi Loans
Instant Personal LoanGet quick funds with Aditya Birla Capital Instant Personal Loan
Long Term Personal LoanEnjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Personal Loan EligibilityCheck your Aditya Birla Capital Personal Loan eligibility
Personal Loan Interest RatesEnjoy low personal loan interest rates for affordable repayments
Loan for SalariedLoan for Salaried, you don’t have to. Get quick funds without collateral and a flexible repayment tenure.
Loan for Self-EmployedLoan for Self-employed. Get quick funds without collaterals and a flexible repayment tenure for affordable EMIs.
Are you eligible for a Personal Loan? Find out now!
Calculate Now
Secured Business LoanBoost your business with competitive rates & flexible terms
Line Of CreditGet anytime funds, quick approval, & ongoing support with Line of Credit
Working Capital LoanStrengthen your business cash flow with quick access to funds & flexible repayment options
Supply chain financing Solution - Invoice DiscountingImprove your cash flow & gain quick access to funds by discounting your invoices
Unsecured Business LoanFuel your business with fast approval & flexible terms
Machinery LoanEmpower your ambitions with customized Machinery Loans
Rooftop Solar LoanMaximize Your ROI with Strategic Energy Funding
Construction FinanceOur solutions with Flexible funding, project requirements to drive construction forward.
Commercial Property PurchaseTurn your property vision into reality with flexible terms and competitive interest rates.
Lease Rental DiscountingSupporting real estate businesses in project completion
Mauris Porta Arcu Id Tortor Pulvinar Cursus. Mattis, Diam Id.
CALCULATE NOWLoan Against SharesLeverage your investments with Loan Against Shares, while retaining ownership of your assets
Loan Against Mutual FundsUnlock the value of your investments while keeping your assets intact
Loan Against Life insurance PolicyGet loans for all your business needs at attractive rates
Promoter FundingEmpower your business growth with financial solutions to support expansion & ownership
Project FinanceTurn your ideas into reality with flexible funding to support your vision from start to finish
Structured FinanceUnlock customized financial solutions designed to meet the unique needs of complex business projects
Working Capital Demand LoanKeep your business running smoothly with quick access to funds for day-to-day operations
Term LoanAchieve your business goals with flexible repayment options & competitive rates for long-term growth
Debt FundsDiversify your portfolio and reduce risk with Debt Funds
Equity FundsInvest smartly in Equity Funds to aim for higher returns
Hybrid FundsDiversify your portfolio and reduce your risk with a mix of equity and debt
Retirement FundsGoal-oriented fund with a lock-in period to create a corpus for retirement
Children’s FundsSecure your child’s financial future with solutions-oriented children’s funds
Exchange Traded FundsUnlock a smart, hassle-free way to invest in various assets
Fund Of FundsChoose the smart way to diversify risks and grow investments
Index FundsFollow the benchmark of smart investors to grow your wealth
All FundsExplore, Compare, and Invest in Top Mutual Funds
Calculate wealth creation through lumpsum investment in Mutual Funds
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Equity TradingInvest or trade in equity for attractive returns and long-term capital growth
Margin Trading FacilityGet up to 5X leverage on leading stocks & increase your trading power
BondsGive your portfolio stability with attractive returns
Start trading in equities and other securities. Grow your wealth with our Demat account.
Attractive returns- Liquidity
- Diversification
- Ownership in a company
Term InsuranceBring security and peace to life’s unpredictability
Retirement PlansGet a guaranteed regular pension plus lump sum on plan maturity
Savings PlansGet a guaranteed regular pension plus lump sum on plan maturity
ULIP PlansGet the benefits of insurance & wealth creation in one convenient plan
Find out how much life insurance you need with our Human Life calculator
Calculate Now
Health & Wellness PlansMake quality health care affordable and accessible
Super Top-up PlansGet extra coverage when you need it most
Active One Max PlansA comprehensive Health Insurance plan for all your healthcare needs
Health Saver CardThe Health Saver Card helps reduce expenses while keeping you healthier
Eye InsuranceProtect your vision with comprehensive eye insurance.
Dental InsuranceProtect your smile with comprehensive dental insurance and coverage plans tailored for you.
Hospicash InsuranceGet financial support with our hospital cash insurance for unexpected medical expenses.
Mental Health & Nutrition InsuranceGet the best mental health insurance online with ABCD Aditya Birla Capital today!
Personal Accident InsuranceSecure your future with our affordable personal accident insurance plans.
Tele OPD ConsultationsAccess convenient teleconsultation and video doctor consultations for your health needs.
Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important nondeposit taking Non-Banking Financial Company (NBFC) and the holding
company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans,
Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,740
No. of Employees
68,400
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.91 Lakh Cr
Consolidated Lending Book
INR 2 Lakh CrCorporate Governance Policies
- Policy for appointment of Statutory Auditors
- ABCL NRC Policy
- Corporate Social Responsibility
- Fair Practices Code
- Internal Guidelines on Corporate Governance
- Familiarization Programme for Independent Directors
- Disclaimers
- Ombudsman
- Privacy Policy
- Trademark Policy
- Vigil Mechanism / Whistle Blower Policy
- Regulatory Disclosure
Financial and Debt-Related Policies
Business and Partnership Policies
- Outsourcing FAQ’s
- Press Releases
- Our Digital Lending Platform Partners
- ABCL List of active CLA Partners
- List of Third parties
- Our Digital Referral Partners
- ABCL Collection and Recovery Agency List
- ABCL Terminated Collection and Recovery Agency List
- Importance of Following Repayment Schedule
- Scheme of Amalgamation
- SEBI Disclosures
- Interest Rates & Service Charges
- Discontinued Service provider list
- Terms & Conditions
- Fraud Awareness
- Archival Policy
Life Insurance
Health Insurance
Mutual Fund
Home Finance
Personal Finance
Stocks & Securities
Credit TrackCheck your credit score and get tips on how to improve it
Health TrackHealthy living made easy with ABCD’s Digital Health Evaluation
Portfolio TrackBring your assets and liabilities under one platform
Spend TrackManage your money effectively with Spend Track.
Vehicle TrackCheck Vehicle & Car Insurance Status/Validity Online
Digital WillA digital will is a legally valid document created through a secure online platform
Read About Personal FinanceMoney management made easy
Read About TaxationUnderstanding direct and indirect taxes
Read About Citizen ServicesKnow how to plan retirement well
Read about InsuranceInsurance and it's aspects for laymen
Read About Credit and BankingInvestments and their jargon - simplified
Read about InvestingInvestments and their jargon - simplified
Read About Personal FinanceKnow all about loans and their management
Read About PaymentsKnow all about loans and their management
Personal Loan EMI CalculatorEstimate your monthly loan repayments with Personal Loan EMI Calculator
Home Loan Eligibility CalculatorCalculate the expected EMI of your loan for easier repayments
BMI CalculatorIt measure your leanness or obesity basis your height and the weight.
Income Tax CalculatorCalculate the tax payable by you based on your income
SIP CalculatorEstimate the returns you can earn with your SIP investments
SWP CalculatorCalculate the Life Insurance cover you need to secure your family’s future
SSY Calculator Calculate Maturity Amount for your Recurring SSY
Personal Loan Eligibility Calculator Calculate the Personal Loan amount you are eligible for
Experience ConseQuest- A game where your decisions drive your future.
- Wisdom in Choices
- Life Optimised
- Simplifying Success
Features and Benefits of Home Loan
Flexible Repayment Period
Choose from multiple repayment options you are eligible for, such as Step-up, Step-down, and Extended tenure.
Long-term Appreciating Asset
Invest in your future since your home isn't just a place to live but also an appreciating asset.
Transparent Processing
Enjoy a quick and transparent home loan application and disbursal process. No surprises, no hidden charges.
Competitive Fixed Interest Rates
Enjoy the benefit of fixed home loan interest rates that protect you from market fluctuations, helping you plan your EMIs with greater certainty
No Pre-payment Charges
Reduce debt proactively with our floating-rate home loans. Make early payments without penalties and become debt-free on your terms.
Get Instant Digital Sanction
Get Instant Digital Sanction for your top-up home loan applying at your convenience anytime anywhere on the ABCD app.
Offline Bank Support
Prefer visiting a branch? Get assistance at your nearest Aditya Birla Capital partner bank or branch to complete your home loan process with personal guidance.
Tax Benefit
Save taxes on both the principal amount as well as the interest paid every year under sections 80C, 24(b) and 80EEA of the Income Tax Act.
Types of Home Loan
Most Popular
Offers higher loan amounts that begin with lower EMIs which increase gradually. Best for young professionals expecting higher incomes over time.
Begins with higher EMIs that reduce over time. Suitable for individuals with strong current income but approaching retirement.
Allows a longer repayment period and lower EMIs. Ideal for professionals in reputed companies nearing retirement age.
Designed to finance the building of a new home. Disbursed in stages as the construction progresses, with affordable interest rates.
Need more space? This loan helps you add extra rooms or expand your living space with ease and low-interest rates.
Use this loan to fund home improvements, repairs, or upgrades. Comes with quick approvals and repayment flexibility.
A simple and affordable option to buy your first home or upgrade. Comes with competitive interest rates and flexible repayment options.
Finance the purchase of a residential plot with this loan. Ideal for buyers looking to build their home from the ground up.
Transfer your existing home loan to enjoy lower interest rates, better terms, and reduce your EMIs.
Apply with a family member or spouse to get a higher loan amount and enjoy shared repayment and tax benefits.
Need extra funds on your existing home loan? Get a top-up loan with minimal paperwork and affordable rates.
How to Apply for Home Loan?
Check Eligibility
Click “Apply” on this page, enter your mobile number, verify with OTP, and use our eligibility tool.
Fill in Your Details
Enter your personal, employment, and banking details to help us assess your loan eligibility.
Customise Your Loan
Choose your loan amount, tenure, and type based on your eligibility and preferences.
Upload Documents
Upload all necessary KYC, income, and property documents securely on our digital platform.
Get Approved & Disbursal
Receive instant approval and get the loan amount disbursed directly to the seller or builder.
Home Loan Interest Rates
| Loan Product | Loan Amount | Salaried / SEP Interest Rate (p.a.) | Self-Employed Interest Rate (p.a.) |
|---|---|---|---|
| Regular HL | Any Amount | 8.60% – 11.85% | 8.75% – 12.35% |
| Pragati HL (Affordable) | Up to ₹1 Crore | 10.00% – 15.50% | 10.50% – 16.00% |
| Informal HL | Up to ₹50 Lakhs | 11.25% – 17.00% | 11.50% – 17.25% |
Note: Interest rates are subject to change based on loan amount, tenure, and customer profile.
Home Loan Eligibility
Eligibility criteria
- Resident Type You must be an Indian citizen to apply for a home loan
- Minimum Age The applicant must be at least 21 years old at the time of loan application.
- Maximum Age 60 years for salaried individuals at loan maturity & 70 years for self-employed individuals at loan maturity
- Employment Type Both salaried professionals and self-employed individuals are eligible to apply
- Credit Score A minimum CIBIL Score of 650 is preferred. Applicants who are new to credit may also be considered.
Fees & Charges
| Product |
Processing Fees (% of Loan Amount) |
|---|---|
| Regular HL | 0.25% to 1.50% |
| Pragati HL | 0.25% to 2% |
| Informal HL | 0.25% to 2% |
Disclaimer: The above charges constitute the rack rate for all customers. Actual charges for any customer, if different, will be as communicated at the time of loan sanction and disbursal and will be subject to changes from time to time.
| Name of Fee/Charge levied |
Transactions & Charges in Rupees |
|---|---|
| Revision of fixed rate to floating and vice-versa/ revision in loan interest rate/ tenure at discretion of abhfl | 2% of the loan outstanding |
| Loan re-schedulement (at discretion of abhfl) charges | 0.50% on principal outstanding amount |
Disclaimer: The above charges constitute the rack rate for all customers. Actual charges for any customer, if different, will be as communicated at the time of loan sanction and disbursal and will be subject to changes from time to time.
| Name of Fee/Charge levied | Transactions & Charges in Rupees |
|---|---|
| • Stamp Duty • Legal and other statutory charges • Insurance Premium • Creation charge with ROC • MOE/MOD/Registration |
As per state laws, where applicable |
Disclaimer: The above charges constitute the rack rate for all customers. Actual charges for any customer, if different, will be as communicated at the time of loan sanction and disbursal and will be subject to changes from time to time.
| Name of Fee/Charge levied | Transactions & Charges in Rupees |
|---|---|
| Applicable for non-individuals/ Loan sanction for business purpose/ individuals with other than floating rate) • Part Payment / Pre-closure is allowed after 12 months from final loan disbursement date • In case of Part Payment / Pre-closure before 12 months from final loan disbursement date, lock-in period interest will be applicable |
Floating rate term loan sanctioned to individual borrowers, with or without co-obligant(s): • other than business purpose – NIL • Business Purpose – 4 % of principal outstanding and lock-in charges as applicable. |
|
Floating rate term loan sanctioned to non-individual borrowers: • 4% of principal outstanding paid and lock-in charges if any |
|
|
Fixed interest rate housing loan given to individual: • Pre-closed from own sources – Nil • Other sources – 2% of principal outstanding and lock-in charges if any. |
|
| Fixed interest rate non-housing loans (LAP/LRD/CP/GPL/Top-up) given to Individual/Non-Individual borrowers (closed from own/other source):
• 4% of principal outstanding paid and lock-in charges if any. |
|
|
Lock-in charges: |
|
| Pre-closure quote: • Pre-closure statement charges • Original document retrieval charges |
Rs 1,000/- per loan account |
Disclaimer: The above charges constitute the rack rate for all customers. Actual charges for any customer, if different, will be as communicated at the time of loan sanction and disbursal and will be subject to changes from time to time.
| Name of Fee/Charge levied | Transactions & Charges in Rupees |
|---|---|
| Late payment penalty / Non Conformance with any covenants / stipulated conditions |
24% p.a. i.e 2% per month on overdue amount |
| Cheque bouncing charges/NACH failure charges/Bounce charges | Rs 750/- per instance |
| Accrued Interest |
As applicable based on actual delayed status or as communicated by the lender from time to time
|
| CERSAI charges |
• When facility amount is equal to Rs. 5 lacs or lesser – Rs.50 per loan
• When facility amount is greater than Rs. 5 lacs – Rs.100 per loan |
| Request for Copies of any collateral held with ABHFL |
Rs 750/- per instance |
| Duplicate Statement/ Repayment Schedule / any other document held with ABHFL request |
Rs 200/- per loan account |
| Charge For Exchanging NACH mandate | Rs 750/- per instance |
| CIBIL report retrieval fee | Rs 50/- per instance for Consumer and Rs. 500/- for Commercial CIBIL |
| NOC issuance charges | Rs 500 |
Disclaimer: The above charges constitute the rack rate for all customers. Actual charges for any customer, if different, will be as communicated at the time of loan sanction and disbursal and will be subject to changes from time to time.
Documents Needed
Proof of Identity and Address
Passport/ Aadhaar Card/ Voter's ID/ Driving License/ Job Card issued by NREGA/ Registration certificate/ PAN card (PAN Card only as identity proof)
Proof of Income
Latest 3 months salary slip showing all deductions and Form 16
Bank statement showing salary
Latest 6 months
Proof of Other Income:
Rental receipts or documents showing receipt of income
Property Documents:
Copy of Title documents and approved sanction plan
Proof of Identity and Address
Passport/ Aadhaar Card/ Voter's ID/ Driving License/ Job Card issued by NREGA/ Registration certificate/ PAN card (PAN Card only as identity proof)
Proof of Income
IT Returns or financial documents for the last 2 years and computation of income certified by a CA for the last 2 years
Bank statement showing salary
Latest 6 months
Proof of Other Income:
Rental receipts or documents showing receipt of income
Property Documents:
Copy of Title documents and approved sanction plan
ABC Of Calculators
Customer Satisfaction Stories
Mr. Mohammad Moosa Azmi
Aditya Birla Housing Finance Customer
Seamless onboarding experience and great support provided by the Relationship Manager during the documentation process.
Aditya Birla Housing Finance Customer
Hyderabad, India
Mr. Kiran Narhari Deshmukh
Aditya Birla Housing Finance Customer
I appreciate the online documentation process which helped in ease of my loan process. I could get loan information through WhatsApp and other digital platforms.
Aditya Birla Housing Finance Customer
Belapur, India
Different financial needs, different loans,
Looking for a home loan? Apply online with the ABCD app and get a quick loan. Move into your dream home with a hassle-free loan process.
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Seamless digital application -
Check your EMIs to assess the affordability
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Different loan options for different needs
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Tax Planning
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Tax-saving options, one click
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Save tax under different sections
Secured Business Loan
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Low interest, flexible payments
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One app, quick dispersals
ABC Of Home Loan
*The interest rate constitute the rack rate for all customers. Actual interest rate for any customer and will be as communicated at the time of loan sanction and disbursal. It will be subject to changes from time to time and is at sole discretion of ABHFL.
**ABHFL reserves the rights to call upon additional documents at its discretion. The documents will be collected by ABHFL.