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Axis Bank Home Loans

Axis Bank Home Loan

Own your dream home with long tenure loans for
highest eligibility at lowest EMIs

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Smaller EMIs

Space out your payments and avail smaller EMIs paid over longer tenure

Loan Amount

Minimum - Rs. 3,00,000
Maximum - Depends on combined income

Prepayment Charges

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

Interest Rate Applicable

Floating and Fixed

Features and Benefits

For salaried individuals

Sr. No Type Loan amount (Rs.) MCLR + Mark Up Effective Rate Of Interest
1 Floating Rate Loan amount upto Rs 28 lacs MCLR + 0.20% 9.45% p.a.
Loan amount above Rs 28 lacs MCLR + 0.25% 9.50% p.a.
Top Up for existing customers Upto 30%- Same rate at which the home loan is running
30%-100%- LAP rate shall be applicable

For Self Employed

Sr. No Type Loan amount (Rs.) MCLR + Mark Up
Effective Rate Of Interest
1 Floating Rate Loan amount upto Rs 28 lacs MCLR + 0.30% 9.55% p.a.
Loan amount above Rs 28 lacs MCLR + 0.35% 9.60% p.a.
Top Up for existing customers Upto 30%- Same rate at which the home loan is running
30%-100%- LAP rate shall be applicable
Marginal Cost Based Lending Rate (MCLR) – 9.25%
MCLR Reset frequency for Home Loans - Half Yearly
Base Rate - 9.35%
Customers who have availed disbursement or received a sanction prior to March 31, 2016 will continue to operate on base rate. Existing customers can get in touch with our customer care, if they wish to switch to MCLR.

Home Loan with Fixed Rate of Interest

Type Effective Rate Of Interest
Fixed Rate 11.75% p.a.
See our Fixed rate of interest 20 years product for more details

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

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