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Home Loan
Attractive interest rates- Easy & flexible eligibility norms
- Tenure of up to 30 years
Reasons to get a Home Loan with ABHFL
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 quick and transparent loan application and disbursal process from ABHFL. No surprises, no hidden charges.
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 ABCD app.
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.
Our Offerings
We make repaying the loan very easy and convenient with these customisable repayment options.
Most Popular
Provide higher loan amounts that start with lower EMIs that gradually increase, easing the initial financial burden. It is suitable for younger buyers who are expecting rising incomes over time
Starts with higher EMIs that decrease over time. It is beneficial for those who have a higher current income but are nearing their retirement.
Offers the flexibility of longer repayment periods with reduced EMIs for professionals working in top corporates nearing retirement.
Benefits of Home Loan with ABHFL
on Modular solutions
on all interior Wood-work solutions
for just INR 299/-
on bathroom fittings
on Designer tiles
Interest Rates
Available*
Find out the interest payable on the home loan so that you can plan your repayments effectively.
For Salaried/SEP| Loan Type | Interest |
|---|---|
| Regular HL (Any Amount) |
8.60% to 11.85% |
| Informal HL (Upto 50 lakhs) |
11.25% to 17.00% |
For Self Employed Non Professional| Loan Type | Interest |
|---|---|
| Regular HL (Any Amount) |
8.75% to 12.35% |
| Informal HL (Upto 50 lakhs) |
11.50% to 17.25% |
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
- NationalityIndian citizen
- Minimum age for applying21 years
- Maximum age at loan maturity60 years for Salaried & 70 years for Self-employed
- Good credit historyA CIBIL Score of 650 or new to credit
- EmploymentSalaried or self-employed
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
Interest
Payout
Your estimated EMI amount
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₹ 0Subsidy Category
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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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FAQs on Home Loan
ABHFL will determine your home loan eligibility based on your repayment capacity and the value of the property you are purchasing. Your repayment capacity is assessed based on the following factors:
- Income: ABHFL will consider the income of all applicants, as well as any other sources of income, such as rental income or investment income.
- Age: ABHFL will also consider the age of the primary applicant. Borrowers must be at least 21 years old and cannot be older than 70 years old at the time of loan maturity.
- Existing debt obligations:ABHFL will also consider your existing debt obligations, such as EMIs on other loans or credit cards.
- Employment: ABHFL will also consider the stability and continuity of your employment. Borrowers must have a steady income and be able to demonstrate their ability to repay the loan.
Once ABHFL has assessed your repayment capacity, it will determine the maximum loan amount that you are eligible for. The maximum loan amount is typically capped at 90% of the property value.
The following self-attested documents are required for home loan approval:
For Salaried Individuals:
- Proof of identity and address: Passport, voter ID card, driving licence, job card issued by NREGA, Aadhaar card, registration certificate, PAN card (PAN card only as identity proof), or any other document acceptable to ABHFL.
- Proof of income: Latest 3 months salary slip showing all deductions and Form 16.
- Bank statement where salary or income is credited: 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, voter ID card, driving licence, Aadhaar card, registration certificate, PAN card (PAN card only as identity proof), or any other document acceptable to ABHFL.
- Proof of income: IT returns or financial documents for the last 2 years and income computation certified by a chartered accountant for the last 2 years.
- Bank statement where income is credited: 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.
For Self-employed / Professional / Partnership / Company:
ABHFL may request additional documents to process your loan.
You must submit all required documents along with your loan application form.
ABHFL requires a mortgage on the property for which the loan is being taken. This means that you will need to pledge the property as collateral for the loan. The title of the property must be clear, marketable, and free from any encumbrances, as certified by an ABHFL-approved advocate. This is done to protect both your interests and ABHFL’s interests. In addition to the title search report, you will also be required to submit a valuation report. Additional security may be required if the aforementioned criteria are not met.
The maximum tenure for a home loan from ABHFL is 30 years. However, the tenure cannot exceed the borrower's retirement age or 60 years, whichever is earlier.
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*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.