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Axis Bank Home Loan for Government Employees

Axis Bank Home Loan for Government Employees

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Axis Bank government employees’ home loan is an excellent financial opportunity for government employees. Offering competitive interest rates from 8.70% p.a., it ensures a quick turnaround. If everything goes right, you can even get the loan in just 2 working days! The loan amount of Axis Bank state employees’ home loan offers up to 5 Cr. The bank also offers a comfortable repayment period of 360 months. But this is just the start you can learn everything about Axis Bank central government employee home loans in the following content. Let’s begin!

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Table of Content

1. Axis Bank Government Employees home loan Highlights

2. Comparison of Axis Bank Government Employees Home Loan With Other Lenders

3. Axis Bank Government Employees Home Loan Fees and Charges

4. Axis Bank Government Employees home loan Documents Required

5. Axis Bank Government Employees home loan Eligibility Criteria

Written By

Hepson Franklin

Hepson Franklin is a seasoned financial expert and accomplished writer specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & loan products. With a wealth of experience in the financial industry, he has established himself as a trusted voice, providing invaluable insights and guidance to both seasoned investors and those new to the world of finance. With a comprehensive understanding of the intricate facets of the financial landscape, he is dedicated to demystifying complex financial concepts for readers of all backgrounds.

Reviewed By

Amit Prakash Singh

Co-Founder, Square Yards & Chief Business Officer, Urban Money

Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

Last Updated: 26th September 2024

Axis Bank Government Employees home loan – Highlights

Below states are the key highlights of Axis Bank government staff home loan:

Features	Description
Who Are Eligible?	Government Employees
Maximum Loan Amount	5 Cr
Loan Tenure	30 Years
Margin	As per bank requirements
Upfront Fee	1% of the loan amount + applicable GST
Collateral/Security	Unsecured home Loan

Comparison of Axis Bank Government Employees Home Loan With Other Lenders

The following comparison between Axis Bank state employees’ home loan rates with other lenders can help ease your process.

Name of Lender	Interest Rate
SBI	8.40% onwards
HDFC Bank Limited	8.50% onwards
LIC Housing Finance	8.35% onwards
ICICI Bank	9.0% onwards
PNB Housing Finance	8.50% onwards
Punjab National Bank	11.75% onwards
Bank of Baroda	8.40% onwards
Union Bank of India	8.35% onwards
IDFC First Bank	8.75% onwards

Remember, you can always use Urban Money’s Axis Bank home loan calculator to assess your monthly EMI.

Axis Bank Government Employees Home Loan – Fees and Charges

Apart from the Axis Bank Government Employees home loan interest rate, borrowers are also required to pay;

Processing Fee: 1% of the loan amount + GST
Foreclosure Charges: N/A
Late Payment Charges: N/A

Axis Bank Government Employees home loan – Documents Required

The necessary documents you need to avail of Axis Bank Government Employees home loan include:-

Proof of Identity and Address: Aadhaar, PAN, Passport, Driving License, Voter ID
Proof of Employment: Salary slips, Form-16
Bank Statements: Last 6 months
Passport-sized Photographs

Axis Bank Government Employees home loan – Eligibility Criteria

The Axis Bank home loan eligibility for government employees depends on the following criteria:

Min-Max Age: 21 yrs to 60 yrs
Nationality: Indian
Occupation: Government Employee
Employment Status: Salaried
Minimum Salary: As per bank requirements
ITR : Documents are mandatory for the previous year.
Minimum Relationship with the Bank: At least 6 months.
Active Bank Account: Regular transactions are required.

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