Aadhar Housing Finance offers home loans in 2025 with rates starting at 11.75% p.a. for salaried and self-employed individuals. With flexible terms, quick approvals, and minimal documentation, Aadhar Housing Finance caters to diverse needs like purchasing, constructing, or renovating homes. Rates are tailored according to credit score, loan amount, and tenure to ensure affordability.
Aadhar Housing Finance Home Loan Interest Rates by Employment
Aadhar Housing Finance Home Loan Interest rates for 2025 will start from 11.75% per annum for salaried employees and for self employed borrowers. It is due to income consistency, credit score and repayment ability.
Aadhar Housing Finance Home Loan Interest Rates for Salaried Employees
| Home Loan Type | Home Loan Interest Rates |
|---|---|
| Home Loan For Salaried | 11.75% to 16.50% per annum |
Aadhar Housing Finance Home Loan Interest Rates for Self Employed
| Home Loan Type | Home Loan Interest Rates |
|---|---|
| Home Loan For Self Employed | 12.75% to 17.00% per annum |
Check Out: Home Loan Eligibility – Salaried vs Self-Employed
Aadhar Housing Finance All Schemes Home Loan Interest Rates
Aadhar Housing Finance presents a range of home loan schemes in 2025, with interest rates beginning at 11.75% p.a., designed for salaried and self-employed customers. The loans feature flexible tenures, easy documentation, and fast approvals.
| Home Loan Type | Home Loan Interest Rates |
|---|---|
| Home Purchase Loan | 11.75% to 17.00% per annum |
| Home Construction Loan | 11.75% to 17.00% per annum |
| Plot Purchase Loan | 11.75% to 17.00% per annum |
| Loan For Plot Purchase + Construction Loan | 11.75% to 17.00% per annum |
| Home Improvement Loan | 11.75% to 17.00% per annum |
| Home Extension Loan | 11.75% to 17.00% per annum |
| Loan Against Property Commercial Property (LAP) | 15.00% to 17.00% per annum |
| Balance Transfer And Top Up | 11.75% to 17.00% per annum |
| Commercial Property Construction/Extension Loan | 11.75% to 17.00% per annum |
| Aadhar Gram Unnati | 11.75% to 17.00% per annum |
| Loan For Purchase Of Non Residential Property | 11.75% to 17.00% per annum |
| Loan For Construction Of Non Residential Property | 11.75% to 17.00% per annum |
Check Out: Aadhar Housing Finance Home Loan Eligibility Calculator
All Schemes Offered by Aadhar Housing Finance: A Detailed Overview
Explore all the loan schemes offered by Aadhar Housing Finance home loans, business loans, personal financing and many more planned to suit numerous financial needs through flexible terms.
Home Purchase Loan
Aadhar Housing Finance Ltd. offers home purchase loans to individuals for buying residential properties, with competitive interest rates and flexible repayment options.
| Features | Details |
|---|---|
| Interest rate | 11.75% to 17.00% per annum |
| Maximum loan amount | up to 1 crore |
| Loan tenure | Up to 20 years |
| Processing fees | Up to Rs.2000/- to Rs.5000/- Plus applicable GST |
| Eligibility | New and Existing Bank Customers |
Home Construction Loan
Aadhar Housing Finance Ltd. provides home construction loans to finance the building of new homes, with customized repayment terms and attractive interest rates.
| Features | Details |
|---|---|
| Interest rate | 11.75% to 17.00% per annum |
| Maximum loan amount | up to 1 crore |
| Loan tenure | Up to 30 years for Salaried Up to 20 years for self- Employed professional |
| Processing fees | Up to Rs.2000/- to Rs.5000/- Plus applicable GST |
| Eligibility | New and Existing Bank Customers |
Check Out: Home Loans With Overdraft Facility Calculator
Plot Purchase Loan
Aadhar Housing Finance Ltd. offers plot purchase loans to help individuals buy land for residential construction, with flexible repayment options and competitive interest rates.
| Features | Details |
|---|---|
| Interest rate | 11.75% to 17.00% per annum |
| Maximum loan amount | up to 1 crore |
| Loan tenure | Up to 20 years |
| Processing fees | Up to Rs.2000/- to Rs.5000/- Plus applicable GST |
| Eligibility | New and Existing Bank Customers |
Loan For Plot Purchase + Construction Loan
Aadhar Housing Finance Ltd. provides a combined land for plot purchase and construction loan to help individuals buy land and build their dream homes with easy financing options.
| Features | Details |
|---|---|
| Interest rate | 11.75% to 17.00% per annum |
| Maximum loan amount | up to 1 crore |
| Loan tenure | Up to 30 years for Salaried Up to 20 years for self- Employed professional |
| Processing fees | Up to Rs.2000/- to Rs.5000/- Plus applicable GST |
| Eligibility | New and Existing Bank Customers |
Home Improvement Loan
Aadhar Housing Finance Ltd. offers home improvement loans to help homeowners renovate, repair, or upgrade their existing properties with flexible repayment options.
| Features | Details |
|---|---|
| Interest rate | 11.75% to 17.00% per annum |
| Maximum loan amount | up to 1 crore |
| Loan tenure | Up to 30 years for Salaried Up to 20 years for self- Employed professional |
| Processing fees | Up to Rs.2000/- to Rs.5000/- Plus applicable GST |
| Eligibility | New and Existing Bank Customers |
Home Extension Loan
Aadhar Housing Finance Ltd. provides home extension loans to finance the expansion or addition of extra space to existing homes with affordable interest rates and flexible terms.
| Features | Details |
|---|---|
| Interest rate | 11.75% to 17.00% per annum |
| Maximum loan amount | up to 1 crore |
| Loan tenure | Up to 30 years for Salaried Up to 20 years for self- Employed professional |
| Processing fees | Up to Rs.2000/- to Rs.5000/- Plus applicable GST |
| Eligibility | New and Existing Bank Customers |
Loan Against Property Commercial Property (LAP)
Aadhar Housing Finance Ltd. offers loan against property commercial property, allowing homeowners to borrow funds by mortgaging their residential or commercial property for various financial needs.
| Features | Details |
|---|---|
| Interest rate | 15.00% to 17.00% per annum |
| Maximum loan amount | up to 1 crore |
| Loan tenure | Up to 15 years |
| Processing fees | Up to Rs.3000/- to Rs.5000/- Plus applicable GST |
| Eligibility | New and Existing Bank Customers |
Check out: A Guide to Loan Against Property Eligibility Criteria
Balance Transfer and Top Up
Aadhar Housing Finance Ltd. offers balance transfer and top up options, enabling customers to transfer their existing home loan to them for better interest rates or favorable terms.
| Features | Details |
|---|---|
| Interest rate | 11.75% to 17.00% per annum |
| Maximum loan amount | – |
| Loan tenure | Up to 30 years for Salaried Up to 20 years for self- Employed professional |
| Processing fees | Up to Rs.2000/- to Rs.5000/- Plus applicable GST |
| Eligibility | New and Existing Bank Customers |
Also Read: A Comprehensive Guide to Home Loan Balance Transfer
Commercial Property Construction/Extension Loan
Aadhar Housing Finance Ltd. provides loans for the construction or extension of commercial properties, helping businesses expand or renovate their premises.
| Features | Details |
|---|---|
| Interest rate | 15.00% to 17.00% per annum |
| Maximum loan amount | up to 1 crore |
| Loan tenure | Up to 15 years |
| Processing fees | Up to Rs.3000/- to Rs.5000/- Plus applicable GST |
| Eligibility | New and Existing Bank Customers |
Loan For Purchase of Non-Residential Property
A loan for the purchase of non-residential property helps individuals and businesses finance commercial or industrial property with flexible repayment options.
| Features | Details |
|---|---|
| Interest rate | 15.00% to 17.00% per annum |
| Maximum loan amount | up to 1 crore |
| Loan tenure | Up to 15 years |
| Processing fees | Up to Rs.3000/- to Rs.5000/- Plus applicable GST |
| Eligibility | New and Existing Bank Customers |
Loan For Construction of Non-Residential Property
Aadhar Housing Finance offers loans for the construction of non-residential properties, providing flexible funding solutions for commercial and business needs.
| Features | Details |
|---|---|
| Interest rate | 15.00% to 17.00% per annum |
| Maximum loan amount | up to 1 crore |
| Loan tenure | Up to 15 years |
| Processing fees | Up to Rs.3000/- to Rs.5000/- Plus applicable GST |
| Eligibility | New and Existing Bank Customers |
Aadhar Gram Unnati
Aadhar Gram Unnati Home Loan is a financial solution designed to help rural and semi-urban residents secure affordable housing with flexible repayment options.
- 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 Get Lowest and Best Home Loan Interest Rates at Aadhar Housing Finance
- Check your credit report: the tradeoff is that the higher your score is, the greater chance to qualify for a lower rate of interest.
- Comparison: Rate should be Aadhar Housing Finance interest rate Compare it with others too.
- Earn steady income to hand it over: it is more vital to be drawing a salary over time.
- Decide to Choose the Best-Wanted Loan: Fixed interest is good because it means relaxation, yet floating rates typically start lower.
- Opt for the higher tenure: The duration of the loan becomes longer so that the EMI decreases while the total amount of interest increases.
- Make Profitable Investment: Cut down the loan amount by major payment options and receive improved rates.
- Express Interest in Special Offers: Especially for the female and Aadhar Housing Finance account holders, there are no special offers for female customers and Aadhar Housing Finance account holders presently.
- Get a discount on higher loan amounts: For loans drawn in higher amounts, the predominant factors are what reduction has been given on it.
- Check Loan Attachment: Look to swap or refinance in case of better loan terms available anymore.
- Negotiate on Processing Charges: With reference to some of those charges in terms of variations, you need to bargain out the ‘take-it-or-leave-it’ stance adopted by them.
Check Out: How to Increase CIBIL Score
Factors that Affect Aadhar Housing Finance Home-Loan Interest Rate
- If you have a good credit score, then you can benefit from the lower interest rates.
- Qualifying for larger loan amounts allows you to enjoy lower interest rates.
- A loan-lasting time of fewer years always yields lower interest for any long-dated deals.
- Employees who receive salaries generally are given the lowest interest rate, in comparison to self-employed people.
- The new loans have added a high rate of property and a lower loan-to-value ratio along with lower rates.
- Locations and survey nature (residential/commercial) of property influences that rate for home loans.
- Home Loans directly affected by the repo rates of The Reserve Bank of India.
- For long-time clients, Aadhar Housing Finance offers special rates, better than the lowest published rate.
- LOW LTV ratios get more favorable at imposing lower interest rates.
- Loan Rates are comfortably affected by Economic factors like Inflation and Housing Markets.
Check Out: CIBIL Score Check Free Online by PAN Number
Types of Home Loan Interest Rates
| Interest Rate Type | Definition | Pros | Cons |
|---|---|---|---|
| Fixed | Rate remains constant throughout a predetermined period or entire tenure. | – Predictable EMIs for budgeting – Protection against rising interest rates | – Typically, higher rates compared to floating – No benefit if market rates go down |
| Floating (Variable) | Linked to market benchmarks (e.g., Repo Rate, MCLR) and changes over time | – Often cheaper when rates fall – Can partly or fully prepay with lower penalties | – EMIs fluctuate with market conditions – Costs may rise if rates increase |
Also Read: Choosing Home Loans: Fixed vs Floating Interest Rates
How is Aadhar Housing Finance Interest Rates Calculated
Aadhar Housing Finance calculates its home loan interest rates after analyzing certain key elements:
- Benchmark Rate: Based on the RBI guidelines and market conditions, Aadhar Housing Finance uses either MCLR or EBLR.
- Spread or Markup: An individual and the type of loan granted it determines the spread added by Aadhar Housing Finance.
- Credit Score: A higher credit rating often translates into lower interest rates.
- Type and Term of Loan: Other factors such as the loan type also play a key role in determining interest.
- Loan-to-Value (LTV) Ratio: A higher LTV ratio is likely to result in higher interest rates.
- Economical Factors: How interest rates swing given the current circumstances; inflation will help you understand how these factors will influence such borrowing rates as the Repo Rate set by the RBI.
- Loan Amount: Higher loan amounts can help avail better interest rates, but this insight is subjective to how lenders perceive your risk grade.
How to Switch my Aadhar Housing Finance home loan from Fixed to Floating Interest Rates?
Migrate from a fixed interest rate to a floating home loan interest rate from Aadhar Housing Finance Ltd:
- Check Eligibility: Your loan account should be eligible to be converted. Subject to some terms and conditions in your existing loan agreement.
- Please get in touch with Aadhar Housing Finance Ltd: Contact the customer care or your relationship manager from Aadhar Housing Finance requesting the switch from fixed to floating rate.
- Just Fill up the Form: Sometimes it is required to fill a formal request for beginning the conversion process physically or via an online submitted form.
- T&Cs will follow: The terms will follow about the prevailing floating rates, charges, and the re-definition of loan tenure or Emi Post-after discussion.
- What you are to know: You have to be cautious about the charges that may apply during the conversion like the processing fees or administrative charge or both even.
- Sign the Agreement: Sign a formal document if the conversion is approved to switch in reality to floating rates.
- Wait for Confirmation: Aadhar Housing Finance will acknowledge the request after completion and put your home loan under the floating interest rate.
How to Obtain Aadhar Housing Finance Home Loan Interest Certificate
Time needed: 3 minutes
- Visit Aadhar Housing Finance Ltd. Website
- Navigate to the ‘Documents’ Section
Once logged in, go to the ‘Documents’ or ‘Loan Services‘ section on the dashboard.
- Request for Interest Certificate
Look for the option to download the Home Loan Interest Certificate. It may be listed under ‘Tax Certificates‘ or ‘Loan Details‘.
- Check Loan Details
Ensure your loan details (such as loan account number, tenure, and principal) are correct on the certificate.
- Download the Certificate
Once verified, click the ‘Download’ button to obtain the Home Loan Interest Certificate. This will be available in PDF format.
The interest certificate will include details of the interest paid on your home loan during the financial year, which is useful for tax purposes.
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Conclusion
The Aadhar Housing Finance offers lower Home Loan Interest Rates with attractive flexible options, partnering with finance seekers to offer affordable and acceptable financing.
Frequently Asked Questions
The interest rate for Aadhar Housing Finance home loans typically ranges from 11.75% to 17% per annum, depending on the applicant’s profile and loan type.
Aadhaar Housing Finance provides home loans with attractive interest rates, catering to individuals from various socio-economic backgrounds.
Aadhaar Housing Finance typically requires a CIBIL score of 650 or above for home loan approval.
Aadhaar Housing Finance offers home loans with a limit of up to Rs. 1 crore, depending on eligibility and property value.
Yes, Aadhaar Housing Finance is registered with the Reserve Bank of India (RBI) as a housing finance company.
Aadhaar Housing Finance has served over 266,000 customers through 534+ branches and offices across India.
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