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Axis Bank Home Loans

Shubh Aarambh Home Loan


12 months waived off

4 EMIs waived off at the end of the 4th, 8th & 12th year

Balance transfer facility

Transfer an existing home loan to Axis Bank without any hassle and avail this facility

PMAY Benefits

Option to avail government aided interest benefit on qualifying under Pradhan Mantri Awas Yojana criteria

For Home Loans Upto Rs. 30 Lakh

Exclusively for Home Loans upto Rs. 30 Lakh

Features and Benefits

Under this scheme, you can avail a Home Loan for purchasing an under construction / ready builder property, resale house, self-construction, plot plus construction, home extension & improvement loans.
This scheme is offered only under ‘floating rate’ option.
Loan amount upto 30 lakhs is allowed under this scheme
For loans up to Rs. 30 lakhs – 90i% of Documented Cost or Market Value (Whichever is Lower)
The minimum tenure under this scheme is 20 years.
The maximum tenure under this scheme is 30 years for salaried and self-employed customers subject to the age of the borrower not exceeding 60 years or 65 years respectively at loan maturity.
  • Application Form with Photograph duly signed by all applicants
  • Identity, Residence and Age Proof
  • PAN Card Copy
  • Last 3 months Salary Slips
  • Form 16 / Income Tax Returns
  • Last 6 months Bank Statements
  • Processing Fee Cheque
  • Affidavit, if eligible under Pradhan Mantri Awas Yojana scheme (optional)


  • Application Form with Photograph duly signed by all applicants
  • Identity, Residence and Age Proof
  • PAN Card Copy
  • Education Qualification Certificate (for professionals only)
  • Proof of Business existence
  • Last 2 years Income Tax Returns with Computation of Income
  • Last 2 years CA certified / Audited Balance Sheet and Profit & Loss accounts
  • Last 6 months Bank Statements
  • Processing Fee Cheque
  • o Affidavit, if eligible under Pradhan Mantri Awas Yojana scheme (optional)
Yes, you can switch (if offered by the bank at the time of your request) to a lower interest under this scheme by paying the applicable charges. You will have the option to reduce the EMI or tenure as per your requirement. However, the switch option is available only under the ‘floating rate’ option. The option to convert the ‘floating rate’ to ‘fixed rate’ is not offered under this scheme.
Yes. You can make part prepayments under this scheme with complete flexibility. However, to be eligible under this scheme your loan must be live with us for at least 48 months from the date of first disbursement and part prepayments may result in tenure decrease of your loan if you opt for the same instead of EMI reduction.
Yes. Movement in the base rate/MCLR in either direction may impact the EMI and/or tenure of your loan. Hence, there may be instances where your tenure may increase or decrease which thereby result in your loan crossing/falling below the minimum requirement of being live for 48 months / 96 months /144 months and making your loan disqualified under the scheme. However, you can ensure that the impact is minimized by not making part prepayments which accelerate the loan tenure reduction.
. Under this product, if the residual EMIs are less than 4 EMIs, then the residual tenure will be waived off. (subject to no other dues pending)
The waiver benefit will be given to you for only 4 residual EMIs. Under this product, if the residual EMIs are less than 4 EMIs, then the residual tenure will be waived off. (subject to no other dues pending)
Yes. The benefit passes on to you is in the form of reduction in tenure thrice during the tenure of the loan on the completion of 4th, 8th and 12th year from the date of 1st disbursement. In case of any change in EMI amount due to prepayments or fluctuations in Base Rate/MCLR, the EMIs existing at the time of waiver will be considered.
No. As per the terms of the scheme, not more than 3 instances of a customer’s monthly dues pending for 30 days and above are permitted. Similarly, no payment due from the customer must be delayed for 90 days and above at any time during the life of the loan to be eligible under this scheme. Your payments have to Axis Bank have breached the above norms and hence you would not be eligible for the benefit under this product.
Yes. Post 48/96/144 months, if you are eligible for the benefits of the product, you shall be eligible for waiver of 4 EMIs.
Under this scheme, the EMI cycle will remain 5th of every month for all customers. No deviations will be permitted.
Loan Application – Submit a completely filled application along with necessary documents
Loan Sanction – An approval for specific loan amount post necessary credit checks on the basis of financial eligibility
Legal & technical appraisal – Legal and technical appraisal of the property
Part Disbursement – Loan disbursement linked to the stage of construction for under construction property
Disbursement – Full Loan disbursal for the completed properties
An Equated Monthly Instalment (EMI) has 2 components: interest and principal. When the interest is calculated on monthly rests, the principal on which the interest is charged goes down every month. This results in significant savings for the customer over the tenure of the loan.
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 a year by the Bank. The Provisional certificate is also available in Axis Mobile App - you need to login with your credentials and click on loan details in order to generate the provisional certificate, the same will be sent to your registered email id.
Axis Bank's PAN is AAACU2414K and its registered office address is Axis Bank Limited, TRISHUL, Third Floor, Opp. Samartheshwar Temple, Nr. Law Garden, Ellisbridge, Ahmedabad - 380 006
For every disbursement request, you 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.
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.
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.
No, you will not be eligible to take a loan under the Shubh Aarambh Home Loan scheme.
No, there are no additional documents except a self declaration affidavit in the format as available in Axis Bank offices.
Yes, beneficiary can avail a longer term beyond 20 years as per Axis Bank credit norms but the subsidy will be restricted to a max term of 20 years


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