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Overview
Aadhar Housing Finance Ltd.
In today’s fast-paced world, owning a home is a dream that many aspire to achieve. Aadhar Housing Finance, a trusted name in the banking industry, has been helping individuals realize this dream with its range of home loan products. With competitive interest rates, flexible repayment options, and a commitment to customer satisfaction, Aadhar Housing Finance is your ideal partner in the journey towards homeownership.
Rate of Interest
8.75-10.5%
Loan to Value
80% - 90%
Loan Tenure
Max 30 years
Max Loan Amount
Upto 5cr
| Rate of Interest | 8.75-10.5% |
| Loan Tenure | Max 30 years |
| Age | Salaried/ Self Employed : 18 - 75 years |
| Profession | Salaried/Self Employed |
| Income | Metro Cities : 20,000/Month & Above Other Cities : 15,000/Month & Above |
| Nationality | Resident Indian/ NRI |
| Max Loan Amount | Upto 5cr |
| Plot Purchase | |
| Independent Building | |
| Apartment | |
| Resale Property | |
| New Construction | |
| LTV | 80% - 90% |
| Home Loan | |
| Plot Cum Construction Loan | |
| Balance Transfer | |
| Overdraft Facility | |
| Top Up Facility | |
| Other Offerings | Home Improvement Loan, Home Extension Loan, Loan Against Property |
| Processing Fees | Up to Rs.3500 Plus Applicable GST |
| Other Charges | Penal Charges on Default Installment - (EMI/PEMI) 24% annually Plus Applicable GST for no. of days delayed in EMI/PEMI payment from due date |
| Overdraft Facilities | |
| Highlights | •Home loans available without income proof • Fast and transparent loan procedure • Affordable EMIs • Tax benefits under section 80C |
*Disclaimer: The interest rate, maximum tenure, and other charges are subject to change, it's advisable to check with our experts for the latest information.
| Loan Amount | ₹ 50,00,000 |
| Loan Tenure | 20 years |
| Rate of Interest | 8.75-10.5% |
| Monthly EMI | ₹ 44,185 - ₹ NaN |
Eligibility Criteria for Aadhar Housing Finance Home Loan
| Criteria | Salaried | Non-Salaried |
|---|---|---|
| Age Range | 18-75 | 18-75 |
| Nationality | Indian | Indian |
| Minimum Income | ₹10,000 | ₹10,000 |
| Maximum Age at Final Repayment | 75 | 75 |
Calculate your Aadhar home loan eligibility and unlock exclusive offers for you!
Aadhar Housing Finance Home Loan Interest Rates
Standard Home Loan Rates
| Criteria | Salaried ROI | Self Employed ROI |
|---|---|---|
| Interest Rate Range | 11.75% to 16.50% | 12.75% to 17.00% |
Get the best Home Loan interest rates tailored for you
If you’re looking to choose the right home loan perfectly made according to your needs, then book a call with our experts here.
Aadhar Housing Finance Home Loan Processing Fee and Charges
Processing Charges
| Charge Type | Amount |
|---|---|
| Processing Fees | Up to Rs.3500 Plus Applicable GST |
| Documentation Charges | Up to Rs.2000/- to Rs.5000/- |
| Legal, Valuation and Technical Charges | Up to Rs.3000/- to Rs.5800/- |
| Administrative Charges | Home Loan/Top up – Up to Rs.5100 or 1.5% LAP/NIP/Project Loan – Up to Rs.5100/- or 2% |
Aadhar Housing Finance Home Loan Documents
Identity Documents
| Doc Name | Salaried | Self Employed |
|---|---|---|
| PAN | ✔ | ✔ |
| Voter ID | ✔ | ✔ |
| Passport | ✔ | ✔ |
| Driving Licence | ✔ | ✔ |
| Aadhar Card | ✔ | ✔ |
| Bank Account Statement or Passbook with Photograph & Bank Stamp on Photo | ✔ | ✔ |
Proof Of Income
| Doc Name | Salaried | Self Employed |
|---|---|---|
| Latest Salary Slip/Certificate | ✔ | ✖ |
| Latest 6 months bank statements/copy of passbook of all bank accounts | ✔ | ✖ |
| Form-16 (if available) | ✔ | ✖ |
| Latest 3 years ITRs copy | ✖ | ✔ |
| Latest 9 months bank statements/copy of passbook of all bank accounts | ✖ | ✔ |
| Latest 3 years computation of Income along with Profit & Loss Account and Balance Sheet | ✖ | ✔ |
Aadhar Housing Finance Home Loan Schemes and Top Plans
Comparison
| Feature | Home Loan For Salaried | Home Loan For Self Employed | Loan For Plot Purchase And Construction | Home Improvement Loan | Home Extension Loan | Balance Transfer And Top Up | Loan For Purchase Of Non Residential Property | Home Construction Loan | Loan For Construction Of Non Residential Property | Aadhar Gram Unnati |
|---|---|---|---|---|---|---|---|---|---|---|
| Minimum Loan Amount | ₹2 Lakh | ₹2 Lakh | ||||||||
| Maximum Loan Amount | up to ₹1 Crore | up to ₹1 Crore | up to ₹1 Crore | up to ₹1 Crore | up to ₹1 Crore | Salaried – up to ₹25 Lakhs Self Employed – up to ₹1 Crore | up to ₹1 Crore | up to ₹1 Crore | up to ₹1 Crore | |
| Interest Rate | 11.75% to 16.50% | 12.75% to 17.00% | ||||||||
| Tenure | up to 30 years | up to 20 years | up to 30 years | up to 30 years | Salaried – up to 30 years Self Employed – up to 20 years | Salaried – up to 30 years Self Employed – up to 20 years | up to 15 years | Salaried – up to 30 years Self Employed – up to 20 years | up to 15 years | |
| Eligible Applicants | salaried or self-employed | Both salaried and self-employed individuals | Both salaried and self-employed individuals | Both salaried and self-employed individuals | Both salaried and self-employed candidates between the ages of 18 to 75 years | Any Indian citizen (salaried or self-employed) between the age group 18 to 75 years | Both salaried and self-employed candidates between the ages of 18 to 75 years | Both salaried and self-employed candidates between the ages of 18 to 75 years | Both salaried and self-employed candidates between the ages of 18 to 75 years | Individuals from both formal and informal segments Government employees Small business owners Individuals with cash salary & no income proof Employees from class 4 & 5 grade |
Details
Home Loan For Salaried
- Maximum Loan Amount: Up to ₹1 Crore
- Interest Rate: 11.75% to 16.50%
- Tenure: Up to 30 years
- Eligible Applicants: Salaried or self-employed
Home Loan For Self Employed
- Maximum Loan Amount: Up to ₹1 Crore
- Interest Rate: 12.75% to 17.00%
- Tenure: Up to 20 years
- Eligible Applicants: Both salaried and self-employed individuals
Loan For Plot Purchase And Construction
- Maximum Loan Amount: Up to ₹1 Crore
- Tenure: Up to 30 years
- Eligible Applicants: Both salaried and self-employed individuals
Home Extension Loan
- Maximum Loan Amount: Up to ₹1 Crore
- Tenure: Salaried – up to 30 years, Self Employed – up to 20 years
- Eligible Applicants: Both salaried and self-employed candidates between the ages of 18 to 75 years
Balance Transfer And Top Up
- Maximum Loan Amount: Salaried – up to ₹25 Lakhs, Self Employed – up to ₹1 Crore
- Tenure: Salaried – up to 30 years, Self Employed – up to 20 years
- Eligible Applicants: Any Indian citizen (salaried or self-employed) between the age group 18 to 75 years
Loan For Purchase Of Non Residential Property
- Maximum Loan Amount: Up to ₹1 Crore
- Tenure: Up to 15 years
- Eligible Applicants: Both salaried and self-employed candidates between the ages of 18 to 75 years
Home Construction Loan
- Minimum Loan Amount: ₹2 Lakh
- Maximum Loan Amount: Up to ₹1 Crore
- Tenure: Salaried – up to 30 years, Self Employed – up to 20 years
- Eligible Applicants: Both salaried and self-employed candidates between the ages of 18 to 75 years
Loan For Construction Of Non Residential Property
- Maximum Loan Amount: Up to ₹1 Crore
- Tenure: Up to 15 years
- Eligible Applicants: Both salaried and self-employed candidates between the ages of 18 to 75 years
Aadhar Gram Unnati
- Minimum Loan Amount: ₹2 Lakh
- Eligible Applicants: Individuals from both formal and informal segments, Government employees, Small business owners, Individuals with cash salary & no income proof and Employees from class 4 & 5 grade
How to Apply
Applying for an Aadhar Housing finance home loan is a straightforward process:
- Check Eligibility: Verify that you meet the eligibility criteria for your selected loan product.
- Collect Documents: Gather all the required documents.
- Visit a Local Branch: Visit your nearest Aadhar Housing Finance branch and fill out the application form.
- Submit Documents: Submit your application along with the required documents.
- Application Review: The bank will review your application and documents.
- Loan Approval: Upon approval, your loan will be sanctioned, and you can start your homeownership journey.
Do not want to get into this hassle? Get Aadhar Housing Finance’s best rates in a single call.
Comparison
For detailed comparison between top banks you can visit our compare banks page.
| Bank | Up to Rs. 30 Lakh | Above Rs. 30 Lakh to Rs. 75 Lakh | Above Rs. 75 Lakh |
|---|---|---|---|
| SBI Bank | 8.50% p.a. onwards | 8.5% p.a. onwards | 8.50% p.a. onwards |
| HDFC Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
| LIC Bank | 8.50% – 10.35% p.a. | 8.50% – 10.55% p.a. | 8.50% – 10.75% p.a. |
| ICICI Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
| Kotak Mahindra Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
| Punjab National Bank | 8.50% – 11.05% p.a. | 8.50% – 11.05% p.a. | 8.50% – 11.05% p.a. |
| Bank Of Baroda | 8.40% – 10.65% p.a. | 8.40% – 10.65% p.a. | 8.40% – 10.90% p.a. |
| Bajaj Housing Finance | 8.50% p.a. onwards | 8.50% p.a. onwards | 8.50% p.a. onwards |
| Axis Bank | 8.75%-10.30% p.a. | 8.75%-10.30% p.a. | 8.75%-10.30% p.a. |
| Bank of India | 8.40% p.a onwards | 8.40% p.a onwards | 8.40% p.a onwards |
| TATA Capital | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
What is the interest rate of Aadhar Housing Finance?
The interest rates for Aadhar Housing Finance typically range from 11.75% to 17.00%, depending on the loan type and applicant profile.
What is the limit of Aadhaar Housing Finance?
The maximum loan amount offered by Aadhar Housing Finance can go up to ₹1 Crore, with some products offering limits based on borrower type.
Is Aadhaar Housing Finance a government company?
No, Aadhar Housing Finance is not a government company. It is a private housing finance company that serves low-income groups in India.
What is the minimum CIBIL score for Aadhar Housing Finance?
While specific requirements may vary, Aadhar Housing Finance generally prefers a CIBIL score of at least 650 for loan approval.