Axis Bank Home Loan
Axis Bank’s Home Loan solutions are designed to make your dream of owning a home a reality. With loan amounts ranging from ₹3 lakh to ₹5 crore, they cater to diverse financial needs. Enjoy flexible repayment tenures of up to 30 years, allowing for manageable EMIs that align with your financial planning. The application process is streamlined and transparent, featuring minimal documentation and doorstep service for your convenience. Additionally, Axis Bank provides a hassle-free balance transfer option to shift your existing home loan easily. If you want a new property, construct a house, or renovate your current home, Axis Bank’s housing loans offer a comprehensive solution to support your home journey.
Unlock Best Home Loan Offers From Axis Bank
Axis Bank Home Loan
Interest Rate
8.75% - 13.3%
Loan Amount
₹1L - ₹5Cr
EMI Per Lakh
₹2,064 - ₹2,291
Processing Fees
Pre-Payment Charges
Plan Offered
Term Loan
Showing Data for CIBIL Score 750 - 1000
Axis Bank Home Loan
CIBIL: 750 - 1000
Axis Bank Home Loan
CIBIL: 750 - 1000
CIBIL Score range
CIBIL: 750 - 1000
Showing Data for CIBIL Score 750 - 1000
- Salaried
- Self-Employed (Non-Professional)
- Self-Employed
Loan Amount | Loan Type | Men (ROI) | Women (ROI) |
---|---|---|---|
Upto 5 Cr | New | 8.70% | 8.70% |
- Salaried
- Self-Employed (Non-Professional)
- Self-Employed
City | Loan Amount | Loan Type | Men (ROI) | Women (ROI) |
---|---|---|---|---|
Mumbai | Upto 5 Cr | New | 8.70% | 8.70% |
Pune | Upto 5 Cr | New | 8.70% | 8.70% |
Kalyan-Dombivali | Upto 5 Cr | New | 8.70% | 8.70% |
Navi Mumbai | Upto 5 Cr | New | 8.70% | 8.70% |
Pimpri-Chinchwad | Upto 5 Cr | New | 8.70% | 8.70% |
Thane | Upto 5 Cr | New | 8.70% | 8.70% |
Vasai-Virar | Upto 5 Cr | New | 8.70% | 8.70% |
Last updated on: 11, Jul 2025
Gross Professional Receipt
Showing Data for CIBIL Score 750 - 1000
Axis Bank GPR Home Loan
CIBIL: 750 - 1000
Axis Bank GPR Home Loan
CIBIL: 750 - 1000
CIBIL Score range
CIBIL: 750 - 1000
Showing Data for CIBIL Score 750 - 1000
- Self-Employed (Non-Professional)
- Self-Employed
Loan Amount | Loan Type | Men (ROI) | Women (ROI) |
---|---|---|---|
Upto 5 Cr | New | 8.80% | 8.80% |
- Self-Employed (Non-Professional)
- Self-Employed
City | Loan Amount | Loan Type | Men (ROI) | Women (ROI) |
---|---|---|---|---|
Mumbai | Upto 5 Cr | New | 8.80% | 8.80% |
Last updated on: 11, Jul 2025
ABB
Showing Data for CIBIL Score 750 - 1000
Axis Bank ABB Home Loan
CIBIL: 750 - 1000
Axis Bank ABB Home Loan
CIBIL: 750 - 1000
CIBIL Score range
CIBIL: 750 - 1000
Showing Data for CIBIL Score 750 - 1000
- Self-Employed (Non-Professional)
- Self-Employed
Loan Amount | Loan Type | Men (ROI) | Women (ROI) |
---|---|---|---|
Upto 5 Cr | New | 8.80% | 8.80% |
- Self-Employed (Non-Professional)
- Self-Employed
City | Loan Amount | Loan Type | Men (ROI) | Women (ROI) |
---|---|---|---|---|
Mumbai | Upto 5 Cr | New | 8.80% | 8.80% |
Pune | Upto 5 Cr | New | 8.80% | 8.80% |
Kalyan-Dombivali | Upto 5 Cr | New | 8.80% | 8.80% |
Navi Mumbai | Upto 5 Cr | New | 8.80% | 8.80% |
Pimpri-Chinchwad | Upto 5 Cr | New | 8.80% | 8.80% |
Thane | Upto 5 Cr | New | 8.80% | 8.80% |
Vasai-Virar | Upto 5 Cr | New | 8.80% | 8.80% |
Last updated on: 11, Jul 2025
Features & Benefits of Axis Bank Home Loan
Looking for a flexible, efficient, and reliable way to finance your dream home? Apply for an Axis Bank home loan designed to turn your dreams into reality. Here’s why:
- Versatile Home Loan Options: From buying a new home and constructing your dream house to refurbishing your current dwelling – whatever your housing need, there’s an Axis Bank home loan.
- High Quantum of Financing: No dream is too big. Axis Bank offers high-value loans, allowing you to finance your dream home without compromising.
- Flexible Tenure: Stress less about repayments! Choose a repayment tenure that suits your financial planning, extending up to several years.
- Competitive Axis Bank Home Loan Interest Rate: Get the best value for your money. Enjoy competitive interest rates on your home loan – choose from fixed or floating rates based on your comfort.
- Balance Transfer Facility: Not satisfied with your current home loan provider? Switch to Axis Bank and enjoy superior services along with the benefit of competitive interest rates.
Types of Axis Bank Home Loans
Axis Bank offers borrowers an affordable and easy option to apply for home loans with its different schemes to suit different needs best. With competitive interest rates, extended repayment options, and added benefits like EMI waivers, Axis Bank’s housing loan ensures that your homeownership path is simple and rewarding. Discover the diverse section of Axis Bank home loan products below:
Shubh Aarambh Home Loan
Loan Amount |
Up to ₹30 lakhs, perfect for first-time homebuyers |
Best Features |
|
Tenure & Interest Rate | Up to 30 years with interest rates starting at 8.75%*. |
Fast Forward Home Loan
Loan Amount |
From 30 Lakh to 5 Crores for premium homebuyers |
Best Features |
|
Tenure | Flexible tenure options of up to 30 years |
👉 Explore more about Fast Forward Home Loan by Axis Bank.
Asha Home Loan
Loan Amount | Affordable options start from just 1 lakh to ₹35 lakhs. |
Best Features |
|
Tenure | Tenure up to 30 years and interest rate starting at 10.05%. |
👉 Explore more about Asha Home Loan.
Top-up Home Loan
Loan Amount |
|
Best Features |
|
Tenure & Interest Rate | Linked to your existing home loan tenure, with competitive top-up rates starting at 8.75%*. |
Super Saver Home Loans
Loan Amount |
10 lakhs to 5 crore. |
Best Features |
|
Tenure & Interest Rate | Tenure up to 22 years, with floating interest rates applicable*. |
👉 Explore more about Super Saver Home Loan by Axis Bank.
Quikpay Home Loans
Loan Amount | Up to ₹5 crore for those looking for structured payments |
Best Features |
|
Tenure | Up to 30 years. |
24×7 Home Loan Top Up
Loan Amount |
|
Best Features |
|
Tenure | Flexible tenure up to 15 years based on the existing loan. |
Disclaimer: Interest rates, processing fees, and other charges are subject to change by Axis Bank. Please contact Axis Bank for the latest updates on applicable rates, fees, and terms.
Axis Bank Home Loan Fees and Charges
Applying for an Axis Bank Home Loan? Here are the fees and charges that you will need to adhere to.
Particulars | Applicable charges (exclusive of GST) |
Processing Fees | Up to 1% of the loan amount, subject to a minimum of Rs. 10,000 |
Prepayment fees, including a partial prepayment for a loan with a fluctuating rate | Nil |
Charges for a fixed-rate loan’s prepayment | 2% of the principal outstanding |
Penal Interest Rate | 24% per annum, 2% per month |
Switching Fees (Base Rate/BPLR to MCLR) | When the effective rate is to be kept the same – No fees
When an effective rate is to be revised – 0.5% on the outstanding principal, with a minimum of Rs. 10,000 |
Switching Fees (Floating Rate to Fixed Rate) | 1% on the outstanding principal with a minimum of 10,000/- |
Switching Fees (Fixed Rate to Floating Rate) | 2% on the outstanding principal amount |
Repayment Instruction/Cheque Return Charges | Rs. 500 per instance |
Cheque/Instrument Swap Charges | Rs. 500 per instance |
Duplicate Statement Issuance Charges | Rs. 250 per instance |
Duplicate Amortization Schedule Issuance Charges | Rs. 250 per instance |
Duplicate Interest Certificate (Provisional/Actual) Issuance Charges | Rs. 250 per instance |
CERSAI charges | For loans up to Rs. 5 lakh – Rs. 50
For loans above Rs. 5 lakh – Rs. 100 |
Loan Cover/ Insurance | Compulsory |
Documents Required for Axis Bank Home Loan
To validate your eligibility and expedite your loan approval process, here are the documents you need to prepare:
- Identity Proof: This could be your Aadhar Card, PAN Card, Passport, or Driving License.
- Address Proof: Documents like Electricity Bills, Telephone bills, and Ration cards can be submitted as proof of residence.
- Income Proof: For salaried individuals, this includes your last three months’ salary slips, Form 16, and bank statements for the last six months. Self-employed individuals must provide their Income Tax Returns for the last three years and bank statements of the last six months.
- Property Documents: You must provide documents related to the property you intend to purchase. These include the Sale Deed, Agreement to Sell, and the NOC from the builder or society, among other things.
Apply Home Loan in Your City
How Does the EMI Calculation Works for Axis Bank Home Loan?
Understanding how Equated Monthly Installments (EMIs) are calculated for your home loan can help you better plan your budget and manage your finances. When you take out a home loan from a company like Axis Bank, the repayment is usually done as EMIs. Here’s a simple explanation of how EMI calculation works:
First, let’s define an EMI. An EMI, or Equated Monthly Installment, is a fixed amount of money you must pay to the lender every month until the loan is fully repaid. The EMI consists of the principal amount (the actual loan amount) and the interest on the loan.
The EMI calculation formula used by most banks and financial institutions, including Axis Bank, is as follows:
EMI = [P x R x (1+R)^N]/[(1+R)^N-1]
In this formula,
- P stands for the principal or the amount that you have borrowed.
- R is the rate of interest divided by 12 (for monthly interest) and further divided by 100 (to convert it into a decimal figure).
- N is the tenure of the loan, i.e., the total number of months in which you plan to repay the loan.
Let’s say you’ve borrowed Rs. 10,00,000 at an annual interest rate of 8% and plan to repay the loan over a period of 20 years (or 240 months). Here’s how the EMI would be calculated:
- P = Rs. 10,00,000
- R = (8/12)/100 = 0.00667
- N = 240
By plugging these values into the EMI formula, your monthly EMI would be approximately Rs. 8,364.
Apply For Home Loan from Axis Bank upto 5 Crore and Calculate EMIs
Balance Transfer Axis Bank Home Loan
A balance transfer of a home loan is a service that allows you to transfer the outstanding principal amount of your existing home loan from one lender to another. The primary reason for this is usually to take advantage of lower interest rates offered by the new lender.
Don’t miss to Check: Home Loan Balance Transfer Calculator
How does Axis Bank Home Loan Balance Transfer Work?
First, inform your current lender about your intent to switch to Axis Bank. Once they consent, they will issue a consent letter, a No Objection Certificate (NOC), and a statement specifying the outstanding amount.
After you submit this to Axis Bank, they will review your application, do the necessary credit appraisals, and if found satisfactory, they will sanction your loan. Post this; Axis Bank will pay the outstanding amount to your current lender. Once that’s done, your home loan will be transferred to Axis Bank, and your further EMIs will go to them instead of your previous lender.
FAQs
From loans to affordable interest rates, we have the answers for everything you need to know.
How to get a top-up home loan in Axis Bank?
You can apply for an Axis Bank top-up home loan on Urban Money if you already have an existing home loan with the bank. A relationship manager will contact you once you complete the form on our website.
How to check the Home Loan Subsidy Status with Axis Bank?
Axis Bank supports the Pradhan Mantri Awas Yojana, and you can check the details directly on the PMAY portal.
Is property insurance mandatory for Axis Bank home loans?
Property insurance is not mandated, but it is recommended by Axis Bank, as per RBI regulations.
How to apply for a home loan in Axis Bank?
You can apply for the Axis Bank home loan on the Urban Money official website, where a representative will contact you directly to inform you of the entire process.
How to increase EMI in an Axis Bank home loan?
To increase your EMI, you can visit any Axis Bank branch and submit a written request along with your bank statements.
How to reduce home loan tenure in Axis Bank?
To shorten your loan tenure, you can make regular prepayments while keeping the EMI payment constant.
Which loan tenure is best for an Axis Bank 1 crore home loan?
Typically, people choose longer loan tenures (15 to 20 years) for such massive loans, allowing some balance between affordability and interest savings.
Can Axis Bank offer a 90 per cent margin requirement for a home loan?
Yes, if your loan amount is up to INR 30 Lakhs, you will be eligible for a 90% home loan.
How does Axis Bank value a property for a home loan?
Axis Bank conducts an internal or third-party valuation based on market comparables, construction quality, location, age of the property, and approved plan.
How to apply for the home loan subsidy with Axis Bank?
You can submit your PMAY subsidy application with Axis Bank and then track it on the official website.
How to calculate home loan eligibility in Axis Bank?
You can use the Urban Money website to check if you meet the eligibility requirements for the Axis Bank home loan.
How to calculate home loan EMI for Axis Bank?
You can use the Urban Money home loan calculator to make accurate and reliable EMI estimates.
How do I transfer my existing home loan to Axis Bank?
To transfer a home loan from another lender, you have to submit a balance transfer application with Axis Bank, including repayment history, NOC from the current lender, and property documents.
Quick Links
Loan Offers By Axis Bank's
Home Loan by Nationalized Bank
Home Loan by Private Bank
- Reliance Capital Home Loan
- DCB Bank Home Loan
- Federal Bank Home Loan
- YES Bank Home Loan
- RBL Bank Home Loan
- IDFC FIRST Bank Home Loan
- ICICI Bank Home Loan
- Deutsche Bank Home Loan
- karnataka bank Home Loan
- Kotak Bank Home Loan
- Housing Development Finance Corporation Home Loan
- IndusInd Bank Home Loan
- HDFC Bank Home Loan
- IDBI Bank Home Loan
- karur Vysya Bank Home Loan
- HSBC Home Loan
- HDFC Sales Home Loan
- CITI Bank Home Loan
- LIC Housing Finance Home Loan
Home Loan by NBFC
- Clix Capital Home Loan
- Cholamandalam Finance Home Loan
- Vastu Housing Finance Home Loan
- Aadhar housing Finance Home Loan
- Hero FinCorp Home Loan
- Muthoot Finance Ltd Home Loan
- Edelweiss Financial Services Home Loan
- Piramal Finance Home Loan
- Hero Housing Finance Home Loan
- SMFG India Credit Company Ltd Home Loan
- DHFL Home Loan
- Capital First Ltd. Home Loan
- Poonawalla Fincorp Limited Home Loan
- IndiaBulls Home Loan
- IIFL Finance Home Loan
- Ujjivan Small Finance Bank Home Loan
- Tata Capital Housing Finance Limited Home Loan
- L&T Finance Home Loan
- Godrej Housing Finance Home Loan
- Punjab National Bank Housing Finance Home Loan
- Aditya Birla Finance Limited Home Loan
- Home First Finance Company Home Loan
- Bajaj Finserv Home Loan
- Capri Global Home Loan
Home Loan Calculators
Get your latest Credit Score, FREE
Home Loan Guide
Get in-depth knowledge about all things related to Home Loan and your finances

Top 5 Legal Documents You Need for a Hassle-Free Home Loan Process
Getting a home loan can be smooth if you have all the right documents. Lenders need certain legal documents for a home loan to verify your identity, income, and property details. Having these ready in

Home Loan Exemptions : Tax Rebates, High Savings
A home loan can not only get you your dream home —it can also help you save on taxes! Home loan exemptions offered by the Income Tax Act (1961) allow borrowers to claim rebates that lower their taxabl

Home Loan Disbursement Process For Under Construction Property
Investing in under-construction properties offers affordability and long-term benefits. It is a popular choice among homebuyers. These properties provide flexible payment plans and potential appreciat