Aditya Birla
Home Finance
Aditya Birla Housing Finance Ltd

HOME LOAN STARTING FROM

8.60% P.A.
AN EASY LOAN FOR YOUR DREAM HOME
Loans offered from ₹10 lakh onwards
Active Customer Base
39 million
Consolidated Lending Book
INR 600 Billion
Nationwide Branches
1094
Aggregated Assets
INR 3,550 Billion
For Existing Aditya Birla Capital Customers, exclusive flat rate of 8.85% for loans above 50 lakhs and interest rate starting from 8.90% for loans below 50 lakhs.
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Aditya Birla Housing Finance: Home Loan at attractive interest

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Introducing

PRAGATI HOME LOAN
Your dream home is within reach! With flexible eligibility criteria and a hassle-free documentation process, home ownership becomes budget-friendly.
5 Lakhs to 1 Crore
Avail loan against wide range of collateral
Repayment Tenure of up to 30* years
Loan up to 90% of property market value
Wide array of eligibility solutions
PRAGATI PLUS
Pragati Plus Home Loan will help you get to your path to a dream home, designed for achievers like you. Transform aspirations into reality with simplicity at every step.
1.5 Crores
Self-employed customers - Loan upto 75%* of the property value
Salaried Customers - Loan upto 80%* of the property value

Balance Transfer and Top-Ups

Experience Smooth and Stress-free Balance Transfer with Attractive Top-Ups with these benefits:

Higher Eligibility basis Repayment Track Record
Up to 30% Top-up
Fast-track processing
Comfortable repayment tenure of up to 30 years
Consolidated Lending Book
INR 600 Billion
Nationwide Branches
1094
Aggregated Assets
INR 3,550 Billion
Home Loan EMI Calculator
Calculate your Home Loan amount and EMI using this calculator
All fields are mandatory*
I need home loan of amount
₹
Please enter loan amount between 1,00,000/- to 1,20,00,000/-
For a period of (1 to 30 Years)
Please enter loan tenure between 1 to 30 years
Years
Rate of Interest (7 to 11%)
Please enter interest rate between 7% to 11%
%
Your EMI
₹
30,332
Total Interest
₹
11,39,840
Total Payout
₹
36,39,840
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Key Benefits

Attractive Benefits with low interest Aditya Birla Capital Home Loans
Attractive interest rates
Loan tenure up to 30 years*
Quick & transparent processing
Nil pre-payment charges for floating rate home loans given to individuals
Attractive balance transfer option available
Door step services

Offerings

Great offerings with Aditya Birla Capital Home Loans
STEP UP
Landed your first job? Then buying a home isn't a dream far away! Set your hefty EMI worries aside and start small with a Step Up Home Loan.
STEP DOWN
Move into your dream home with a Step Down Home Loan. By easing your debt burden with higher payments now, you can smoothly transition to lower EMIs after retirement.
EXTENDED TENURE HOME LOAN
With an Extended Tenure Home Loan, you enjoy the flexibility of a loan repayment term of up to 25 years* and enhance your eligibility by including a working co-applicant on your home loan application.
Get in touch with our specialists to learn more about the eligibility criteria and how to apply for a Home Loan with us.
OFFERS

Signature Club

Get 25% Discounton all modular solutions with
Exclusively curated healthcarepackages for ABHFL customers
Offers on Flights,Buses andHotel Bookings
Offer up to
3500/-on flights
Benefits worth
2999/- at 299/-
*offer available only in selected cities

TESTIMONIALS

I am very glad to share the experience with ABHFL.. Its my first experience in loan process with Aditya Birla.. I am very happy with the processing and documentation process.. It is very ease for me to complete the process of home loan with ABHFL..

Akkim Sait A

Tiruchirappalli

I appreciate the efficient services provided by ABHFL. The staff is knowledgeable, each process was managed well and transactions are consistently smooth, making it an a hassle-free experience.

Sivaraj M

Coimbatore

It was a great experience regarding my loan process. The staff was very helpful and quick. The paperless processhelped in fasten my home loan Thank you ABHFL

Shoaib Ismail Sayyed

Pune

I am so happy the way my home loan process was done from day 1, I strongly recommend ABHFL

Sivakanth Ponnekanti

Vijayawada

Loan process is simple and hassle free. ABHFL representative was very quick and responsive and helped me in my home loan process.

Bommagani Prashanth

Warangal

Aditya Birla is fast service i am so happy to glad And Aditya Birla stafff is too good. The sales representative is in supported me throughout the process of my home loan. Thank u so much Aditya birla and team

Matluf Raza

Jaipur
FAQS

Want To Learn More about Home Loan?

A home loan is a type of a secured loan that is availed by a user from financial institutions to purchase a house. A house loan is repaid by paying regular equated monthly installments (EMI) which includes of a part of the principal taken as a loan and the interest accrued.
Aditya Birla Housing Finance provides home loans starting at an interest of 8.65% p.a. It offers home loan tenure as long as 30 years and maximum loan can be up to 75% of property's cost.
As per sections 80C, 24(b) and 80EEA of the Income Tax Act, you are eligible to receive tax benefits on repayment of home loan principal and interest of your home Loan. Please consult your tax advisor for details.
Yes, based on your income eligibility, we can offer you PNI (Property Not Identified) Sanction Letter for your home loan. You can identify the property you need to buy based on this document. The final sanction of your home loan will be based on the assessment of the identified property. However, if the property is under construction, kindly speak to your assigned sales manager for acceptability.
The following types of home loans are provided in India by Housing Finance Institutions:
  • Home Construction Loan
  • Home Loan for Plot Purchase and Construction
  • Home Extension Loan
  • Home Renovation Loan
  • Construction Finance
  • Loan Against Property
Housing loans are processed within 15 working days of completing the documentation as required by ABHFL.
You may prepay your housing loan before your home loan tenure is completed. Please note that there may be some prepayment charges on home.
A home loan provisional certificate is your home loan account given by your lender. Home loan provisional statement is a summary of the principal amount and interest repaid by you towards your house loan for the given financial year.
You can apply for our housing loans through various options:
  • Download the home loan application form from our website
  • Submit the duly filled form to your nearest branch
  • Pay home loan processing fee
  • Submit the duly filled form to your nearest branch
  • Get home loan approval
There is no minimum amount of housing loan. The minimum amount is subject to changes as per internal policies and guidelines of ABHFL.
Given below are some of the crucial factors that determine your home loan eligibility:
  • Income of all applicants.
  • Age of the primary applicant
  • Other income, existing EMIs
  • Stability and continuity of the primary applicant's occupation
  • Repayment Capacity
  • Credit Score
ABHFL’s home loan application procedure is simple. Given below is a guide to home loan application process-
  • Step 1: Home Loan Application
  • Step 2: Loan Document Submission
  • Step 3: Legal & Technical Verification
  • Step 4: Home Loan Approval
  • Step 5: Home Loan Sanction
  • Step 6: Home Loan Disbursement
ABHFL offers home loan tenure as long as 30 years and maximum loan can be up to 90% of property's cost.
All the co-owners of the residential property can be co-applicants to the housing loan.
No. You don’t require a guarantor for your housing loan. You will need a home loan guarantor in specific situations given below:
  • If the primary applicant has a weak financial position
  • If the applicant wants to borrow a housing loan which is more than his eligibility
  • If the applicant is earning less than the required minimum income
Taking Home loan insurance is not compulsory. It is however suggested that you may take insurance to protect yourself against any unexpected circumstances.
Aditya Birla Housing Finance Limited Regd. Office: Indian Rayon Compound, Veraval, Gujarat- 362 266. Corporate Office: 9th Floor, Tower 1, One Indiabulls Centre, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400 013 | (T) +91 22 4193 3900 | CIN: U65922GJ2009PLC083779. For more information, please visit: homefinance.adityabirlacapital.com . *Terms & Conditions apply. Offer available only in selected cities. Loans originated, booked and serviced by Aditya Birla Housing Finance Limited. subject to credit appraisal in sole discretion of Aditya Birla Housing Finance Limited and terms and conditions as agreed under individual loan agreement. We may use the services of their authorized agencies in servicing the requirements. Livspace: Flat 25% off applicable on minimum final order value of ₹3,00,000 | Homelane: Flat 30% off applicable on minimum final order value of ₹4,00,000 for Woodwork. The offer is applicable to all customers who availed the housing loans from ABHFL post 1st June 2022 | The offer is valid only for the period of one year from the date of loan issuance letter.
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