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Axis Bank Home Loans

Asha Home Loan

Loan up to Rs. 28 lakhs* at monthly income as low as Rs. 8000*

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Minimum Income Requirements

Avail of loans with a combined monthly income of Rs. 8,000/Rs. 10,000

90% Property Value Loan

For loans upto Rs. 28,00,000

Loan Amount

Minimum - Rs. 1,00,000
Maximum - Rs. 28,00,000

Prepayment Charges

Floating Rate Loan: Nil
Fixed Rate Loan: 2% of outstanding principal/amount prepaid

Features and Benefits

Home loans can be used to purchase an under construction/ready/resale house, repair/extension, self construction and plot plus construction.
On loans upto Rs. 28,00,000, avail of a loan equal to 90% of the property value
12 EMIs waived off* at no extra cost on regular payment of EMIs. 4 EMIs waived off at the end of the 4th, 8th & 12th year. Repayment track record should be clean, i.e., only 3 instances where dues are pending for 30 days and above but never over 90 days during the life of the loan. The minimum tenure at the time of disbursement should be 20 years. Loan can also be part paid, as long as the loan tenure does not fall below 48 months (4 years).
Move existing home loans to Axis Bank without any trouble with a good repayment track record
Upto 30 years, allowing for higher eligibility
At least Rs. 8,000 p.m. or Rs. 10,000 p.m. depending on location
Also avail benefits under Credit Linked Subsidy Scheme
Based on banking behaviour, providing better eligibility
Properties starting from 300* (saleable) sq. ft. area and 200 sq. ft. area for properties in NCR and MMR
Choose from our large base of approved projects across India

Terms and conditions

Loans upto Rs. 28 lakhs for locations with population above 10 lakhs and loans upto Rs. 20 lakhs for locations with population upto Rs. 10 lakhs
Minimum income norm varies from Rs. 8,000 p.m. to Rs. 10,000 p.m. depending on location
*Repayment period for Home Loans shall not exceed 30 years
Equitable mortgage of the property to be financed by way of deposit of title deeds
The loan will be disbursed in full or in suitable instalments, taking into account the requirement of funds and progress of construction, as assessed by the Bank directly to seller or builder or local development authority or supplier of materials etc.
Processing fee equivalent to 1% or Rs 10000/- (whichever is higher) of the loan amount (applied for) will be collected along with the application form (Goods and Services tax (GST) will be charged extra as per the applicable rates, on all the charges and fees (wherever GST is applicable))
Nil on floating interest rate Home Loans
  • Axis Bank will convey its decision within 30 working days from the date of receipt of the application, provided the application is complete in all respects, and is submitted along with all the documents as per 'check list' provided in the application for loan and/or any additional documents as may be required by the bank for proper appraisal of the application. The computation of 30 days shall starts from the day on which all documents required for a proper appraisal of the application are provided by the Customer to bank
  • The bank may at its sole discretion sanction or decline the application. The bank shall convey, the reasons, which in its opinion after due consideration, have led to rejection of the application.
  • The applicant will undertake to inform the Bank as and when there is a change in address or employment
The terms and conditions mentioned above and elsewhere under the scheme are subject to modification from time to time solely at Bank's discretion

*Terms and Conditions Apply




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