Aadhar Housing Finance Home Loan Interest Rates @11.75% p.a | Updated 2025

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:

1. Check Eligibility: Your loan account should be eligible to be converted. Subject to some terms and conditions in your existing loan agreement.
   
2. 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.
   
3. 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.
   
4. 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.
   
5. 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.
   
6. Sign the Agreement: Sign a formal document if the conversion is approved to switch in reality to floating rates.
   
7. 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

The interest certificate will include details of the interest paid on your home loan during the financial year, which is useful for tax purposes.

Secure the Lowest Aadhar Housing Finance Home Loan Interest Rates with Credit Dharma

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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