Progress with us...
internet banking
CMS and Payment Solution
Power Access
AxisRemit Online
eDGE Loyalty Rewards
  • LOG IN

Axis Bank Home Loans

Empower Home Loan

To get 3 guaranteed rate reductions, maintain a good
repayment track record for home loan EMIs


  • fb
  • twit
  • insta
  • mail

Assured Rate Reductions

3, on maintaining a good repayment track for 24, 36 and 60 months

No Prepayment Charges

No extra charges on early closure

Balance Transfer Facility

Transfer an existing home loan to Axis Bank without any hassle

Loan Amount

Minimum - Rs. 10,00,000
Maximum - Rs. 1,50,00,000

Features and Benefits

Salaried customers are not eligible under this Product. This Product is applicable to only Resident Self-employed customers (professionals and non-professionals.)
Under this Product, avail a Loan for purchasing an Under-construction/Ready/Resale house, plot plus construction and Home extension/Improvement loans.
Rs. 150 lakhs in tier 1 and 2 cities, Rs. 50-75 lakhs in tier 3 cities and Rs. 50 lakhs in other cities. Please get in touch with our sales representative for more details on city categorisation.
For every disbursement request, the customer would have to come to nearest Axis Bank Loan center with the builder demand letter and other supporting documents including disbursement request form. On the basis the appraisal of the stage of construction of the property, the bank would disburse the funds.
This product is offered only under 'Floating rate' option.
Lower of 65% of the documented property cost or market value of the property ascertained by us.
The bank accounts must be operational for at least 12 months hence the same will not be acceptable.
15 years subject to age of borrower not exceeding 65 years at loan maturity.
Under this Product a customer can acquire only one residential property. Apply under the Vanilla Home product of Axis Bank for the second loan.
Only Resident Indian self-employed customers are eligible to apply for this home loan.
Application form with photograph of applicant and co-applicant
Address, signature, age and identity proof of applicant/co-applicant
Copy of PAN card of applicant/co-applicant
6 months bank statements from all current accounts(in case of sole proprietor/firm) and savings bank accounts(in case of individual)
Business continuity proof for last 5 years
ITR of applicant/co-applicant for 1 year Processing fee cheque
Statements of Indian bank accounts held with Leading Indian and Foreign private sector banks and public sector banks are accepted.
Only Current and Savings bank accounts are accepted. Cash credit/Overdraft accounts are not eligible under this Product.
Yes. Any change in the Base rate will also result in the change in interest rate offered. However, the mark-up will be reduced as per the Product offering to all eligible customers at pre-determined dates and the impact of the same shall be effected in your rate of interest.
For all the customers eligible under this Product, only the tenure will be reduced by Axis bank
The effect of change in the Base rate(upwards or downwards) will be given as per the existing internal policy of Axis Bank applicable to Home loans. Based on the logic of rate reduction either the EMI or the tenure or both will be revised. Post giving the effect of Base rate movement, the mark-up will be reduced and the effect of the same will be given in the tenure. Hence, the net effect will be passed on to you and communication to that effect will also be made to you.
Customer has to opt for either of the two options. Both the options cannot be clubbed together; hence the same is not possible.
In case of the eligible customers under this Product, the mark-up will be reduced as applicable and the effect of the same will be given by reducing the tenure. Hence, fresh repayment instrument is not required. However, fresh repayment instruments may be required if there is a change in the Base rate of the bank and the applicable interest rate charged to you is revised.
No. Loans under this Product are not eligible for switching the 'floating' rate to 'fixed' rate.
From customer ease perspective, most of our customers today opt for Standing Instructions or Electronic Clearing Services and we too promote the same in centers where this facility is available. PDC's are acceptable in the centers where ECS is not available.
Loan Application – Submit a completely filled application along with necessary documents Loan Sanction – An approval for specific loan amount post necessary credit checks Legal and technical appraisal – Study of the property for its legal and technical soundness Part Disbursement – Get finance as per construction stage (in under construction project) Disbursement – Get finance for your property
An Equated Monthly Instalment (EMI) has 2 components: interest and principal. When the interest is calculated on monthly rests, the principle on which the interest is charged goes down every month. This results in significant savings for the customer over the tenure of the loan.
Pending final disbursement, you pay interest on the portion of the loan disbursed. This interest is called pre-EMI interest. Pre-EMI interest is payable every month from the date of each disbursement up to the date of commencement of EMI.
You may download the provisional certificate from our website under Home Loan section. Alternatively, you may apply for the same by submitting your application to your nearest Loan center/Branch .The Final Interest certificate shall be mailed to your last known address once in a year by the Bank.
As per IT rules, only one certificate can be issued for a Home Loan hence one certificate will be issued in the name of both the applicant and co-applicant.




Avail attractive interest rates on Personal Loan




Avail attractive interest rates on Personal Loan


Axis bank car loan inside page pin


Get offers only on Axis Bank Car Loan



Secure your family's future and realise your dreams

Future Planning Solutions from Axis Bank.



Home Loan

Car Loan

Commercial Vehicle Loan

Other Loans