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What is Home Loan?
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.
Home Extension Loan Calculators
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.) |
|---|---|---|---|
| Prime HL | Any Amount | 7.75% | 8.00% |
| Pragati HL (Affordable) | Up to ₹1,5 Crore | 9.75% | 10.25% |
| Pragati Aashiyana HL | Up to ₹50 Lakhs | 10.20% | 10.45% |
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.
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
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.
Customer Satisfaction Stories
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
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 Housing 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.