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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
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Personal LoanMeet all your dreams and needs with a collateral-free Personal Loan
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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
Are you eligible for a Personal Loan? Find out now!
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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
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Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit 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 66,000 employees, the businesses of ABCL have a nationwide reach with over 1,742 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,742
No. of Employees
66,000
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 6 Lakh Cr
Consolidated Lending Book
INR 1.90 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
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- Vigil Mechanism / Whistle Blower Policy
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Financial and Debt-Related Policies
Business and Partnership Policies
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- Importance of Following Repayment Schedule
- Scheme of Amalgamation
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- Interest Rates & Service Charges
- Discontinued Service provider list
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- Archival Policy
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Read about MoneyMoney management made easy
Read about TaxUnderstanding direct and indirect taxes
Read about Retirement PlanKnow how to plan retirement well
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Read about InvestingInvestments and their jargon - simplified
Read about Loans and FinancingKnow 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
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Experience ConseQuest- A game where your decisions drive your future.
Wisdom in Choices
What is Home Loan?
A home loan is a secured financial product offered by banks and NBFCs to help individuals purchase, construct, or renovate residential properties. The house you are buying is used as security until you repay the full loan.
Home loans typically come with long repayment tenures of up to 30 years, allowing for comfortable EMIs that suit your income. Many lenders also offer flexible prepayment options, enabling you to repay faster without heavy penalties.
Additionally, borrowers may enjoy tax deductions on both interest and principal repayments under Sections 24(b) and 80C of the Income Tax Act, making home loans a smart and tax-efficient borrowing option.
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
We make repaying the loan very easy and convenient with these customisable repayment options and home loan types to suit your purpose and repayment preferences.
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
The interest rate you receive will largely depend on your CIBIL score and whether you're salaried or self-employed. Below are the rates based on your credit score:
| 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.
Interest Rates
Available*
Find out the interest payable on the home loan so that you can plan your repayments effectively.
For Salaried/Self Employed Professional| Loan Type | Interest |
|---|---|
| Regular HL (Any Amount) |
7.75% to 11.85% p.a.* |
| Informal HL (Upto 50 lakhs) |
10.10% to 17.00% p.a.* |
For Self Employed Non Professional| Loan Type | Interest |
|---|---|
| Regular HL (Any Amount) |
8.00% to 12.35% p.a.* |
| Informal HL (Upto 50 lakhs) |
10.35% to 17.25% p.a.* |
Who Can Apply For Home Loan? Find out if you are eligible for applying for a home loan
Salaried
Self Employed Professional
Self Employed Non-Professional
Get A Home Loan In 5 Easy Steps
Home Loan Eligibility
Are you eligible for a home loan? Check whether you meet the criteria.
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
Don’t just take our word for it. Hear from our customers about their successful financial journey with us
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, one app - ABCD
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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Scan the QR code to download our Mobile App
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
FAQs on Home Loan
The processing fee is typically up to 1% of the home loan amount.
You can track your house loan application via our website or mobile app using your reference ID.
No, lenders usually provide up to 75%–90% of the property value as home loan, depending on your profile.
A CIBIL score of 650 or above increases your home loan eligibility and chances of approval.
Use our home loan EMI calculator to try different tenure options until you get a comfortable EMI.
Yes, switching is possible based on the lender’s policy. You may have to pay nominal charges.
The repayment usually starts one month after full disbursal of your home loan.
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.