Key Benefits
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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 and Top-up Option Available
Doorstep Services
T&C Applied
Home Loan EMI Calculator
₹78,989*
₹8,78,989*
₹1,78,989*
₹4,400
₹4,22,391
₹1,76,815
Transparent and hassle-free plans
Pragati Home Loan
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Loans from ₹5 Lakhs to ₹1 Crore
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Loans against a variety of collaterals
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Repayment Tenure of up to 30* years
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Loan up to 90% of property market value
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Wide array of eligibility solutions
Pragati Plus
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Loan up to ₹1.5 Crores
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Loan up to 75%* of the property value for self-employed individuals
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Loan up to 80%* of the property value for salaried individuals
Balance Transfer and Top-Ups
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Higher eligibility based on your Repayment Track Record
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Up to 30% top-up available
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Quick processing
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Comfortable repayment tenure of up to 30 years
Top offers handpicked by many like you
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
Ease your debt burden with a Step Down loan. Pay higher EMIs on your dream home now, and transition to lower EMIs after you retire.
Extended Tenure Home Loan
Enjoy the flexibility of a repayment term of up to 25* years and enhance your eligibility by including a working co-applicant on your application
Get a home loan in 5 easy steps
Share your personal details
Get a call back from the Aditya Birla Capital Team
Disclose the required details
Share documents with Aditya Birla Capital
Get your Home Loan
Signature Club
Offers available in select cities*
Get 25% Discount on all modular solutions
Code : FLAT10
Exclusively curated health care packages for ABHFL customers
Code : FLAT10
Offers on Flights, Buses and Hotel Bookings
Code : FLAT10
Offer up to 3500/-on flights
Code : FLAT10
Benefits worth 2999/- at 299/-
Code : FLAT10
Got Questions? We've Got Answers!
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:
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Home Construction Loan
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Home Loan for Plot Purchase and Construction
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Home Extension Loan
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Home Renovation Loan
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Construction Finance
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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:
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Download the home loan application form from our website
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Submit the duly filled form to your nearest branch
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Pay home loan processing fee
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Submit the duly filled form to your nearest branch
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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:
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Income of all applicants.
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Age of the primary applicant
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Other income, existing EMIs
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Stability and continuity of the primary applicant's occupation
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Repayment Capacity
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Credit Score
ABHFL’s home loan application procedure is simple. Given below is a guide to home loan application process-
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Step 1: Home Loan Application
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Step 2: Loan Document Submission
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Step 3: Legal & Technical Verification
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Step 4: Home Loan Approval
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Step 5: Home Loan Sanction
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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.
Taking Home loan insurance is not compulsory. It is however suggested that you may take insurance to protect yourself against any unexpected circumstances.
What Our Users Say
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
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