Home Loan Interest Rates

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Home Loan Interest Rates in India - Axis Bank

Attractive interest rates to ease your monthly outgo

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Attractive interest rates on Home Loans to ease your monthly outgo

One of the most important factors that determine the cost of your loan is the interest rate. The higher the home loan interest rate, the larger the amount you will have to out every month. Axis Bank offers some of the most attractive home loan interest rates in India, helping you keep your EMI in check.

But interest rates often fluctuate, and higher housing loan rates could affect your monthly budgets. Our floating rate loans allow you to hedge the risk of rising home loan interest rates in India. On the other hand, if you are confident that interest rates will not rise, you could opt for a fixed rate loan that provides you with the luxury of being locked into a rate for a period of time. You then don’t have to worry about your monthly budgets getting messed up.

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Our Home Loan Rates


For Salaried:

Sr. No Type Loan amount (Rs.) Base Rate + Mark Up Effective Rate Of Interest
1 Floating Rate Loans up to Rs.75 Lacs Base Rate + 0.00% 10.15% p.a.
Loans above Rs.75 Lacs Base Rate + 0.25% 10.40% p.a.
Top Up Base Rate + 2.00% 12.15% p.a.

For Self Employed:

Sr. No Type Loan amount (Rs.) Base Rate + Mark Up Effective Rate Of Interest
1 Floating Rate Loans upto Rs. 25 Lacs Base Rate + 0.25% 10.40% p.a.
Loans above Rs. 25 Lacs Base Rate + 0.75% 10.90% p.a.
Top Up Base Rate + 2.00% 12.15% p.a.

Base Rate - 10.15%

Rates applicable only for Vanilla (Standard) Home Loan product

NISHCHINT - Home Loan with Fixed Rate of Interest

Type Effective Rate Of Interest
Fixed Rate 11.75% p.a.

Processing charges

Check the Processing charges for Home Loans

Other Charges:

Sr. No Type Charges
1 Repayment Instruction/Instrument Return charges Rs.500/- per instance
2 Cheque/Instrument Swap charges Rs.500/- per instance
3 CERSAI Charges Rs.500/-
4 Duplicate Statement issuance charges Rs. 250/- per instance
5 Duplicate Amortization schedule issuance charges Rs. 250/- per instance
6 Duplicate Interest Certifcate (Provisional/Actual) issuance charges Rs. 250/- per instance
7 Issuance charges for Photocopy of title documents Rs.250/- per document set
8 Charges on customer initiated requests for copies of documents Rs. 250 per document set
9 Equitable mortgage creation charges As applicable in the state
10 Credit Bureau report issuance charges Rs.50/- Per Instance
11 Prepayment Charges for Floating Rate Loan Nil
12 Prepayment Charges for Fixed Rate Loan 2% of outstanding principal/amount prepaid
13 No Due Certificate NA
14 Solvency Certificate NA
15 Charges for Late Payment of EMI Rs 500 per cheque bounce and a penal interest @24% per annum i.e. @ 2% per month on the overdue installment/s

* Service Tax as applicable will be levied

Switching Cost:

Switching from the floating rate scheme to the fixed rate scheme and vice versa is permissible. If a fixed rate customer wants to reschedule loan to the present fixed interest rate applicable to the new customers, the same is also permissible. The existing floating rate customer can also switch to lower rate. For all the above changes a nominal switch fee is applicable. Customers can contact nearest retail asset centre or call centre.

Check the Switching charges for Home Loans

What's the buzz!

Home Loan

Home Loan

Mitesh Gajjar said

I am Mitesh Gajjar. I availed my homeloan without any efforts. Axis bank's door step service is high...

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Home Loan

Home Loan

Kandavel B said

Very good experience from day 1 i applied for my Home Loan.

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Home Loan

Home Loan

Nishad Navnit,J.Kumar Infraprojects Ltd. said

I Mr. Navnit Nishad had availed a home loan from Axis bank . My experience in dealing with Axis Bank...

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