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Apply For Aditya Birla Housing Finance Ltd
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Door Step Services
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No Prepayment Charges
EMI Starts From : ₹874/Lakh
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Aditya Birla offers max funding upto 5 Crores

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Interest Rates starting @8.60%

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Tenure upto 30 years

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Aditya Birla Housing Finance LtdAditya Birla Housing Finance Ltd
  • Overview
  • Loan Calculations
  • Highlights
  • Home Loan Interest Rates
  • Compare With Other Banks
  • Processing Fees
  • Fees and Charges
  • Home Loan Types
  • EMI Calculator
  • Eligibility Criteria
  • Documents
  • Tenure
  • How to Apply
  • Loan Amount
  • Customer Care
  • Nearest Branches
  • Disbursement Process
  • Home Loan Insurance
  • Tax Benefits
  • Bank Features
  • Why Choose Credit Dharma

Aditya Birla Home Loan

Aditya Birla Housing Finance makes homeownership accessible with home loans starting at 8.60% p.a., offering up to ₹1.5 crore with a maximum tenure of 30 years.

Rate of Interest

8.60% - 10.5%

Loan to Value

80% - 90%

Loan Tenure

Max 30 years

Max Loan Amount

Upto 5cr

Rate of Interest8.60% - 10.5%
Loan TenureMax 30 years
AgeSalaried/ Self Employed : 21 -70 years
ProfessionSalaried/Self Employed
IncomeMetro Cities : 20,000/Month & Above
Other Cities : 15,000/Month & Above
NationalityResident Indian/ NRI
Max Loan AmountUpto 5cr
Plot Purchase
Independent Building
Apartment
Resale Property
New Construction
LTV80% - 90%
Home Loan
Plot Cum Construction Loan
Balance Transfer
Overdraft Facility
Top Up Facility
Other OfferingsLoan Against Property
Processing FeesUp to 1.75% of the loan amount
Other ChargesLate Payment Charges- 18% per annum on the overdue loan amount
Overdraft Facilities-
Highlights•Doorstep service by dedicated Relationship Manager
• Wide Loan amount range
• Flexible repayment period
• Complimentary Home beautification services
• Wide array of eligibility methods

*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.

Home Loan Calculations
₹50,00,000
20 Years
Loan Amount₹ 50,00,000
Loan Tenure20 years
Rate of Interest8.60% - 10.5%
Monthly EMI₹ 43,708 -
₹ 49,918

With attractive interest rates, flexible payment schedules, and a deep commitment to client satisfaction, Aditya Birla Housing Finance is the ideal companion on your journey to securing your own home.


Eligibility Criteria for Aditya Birla Home Loan

Here are the eligibility criteria you need to meet to apply for a home loan with Aditya Birla Housing Finance.

CriteriaSalaried Self-employed
Age Range21 to 65 years21 to 70 years
NationalityIndian/NRI/PIOIndian/NRI/PIO
Maximum Age at Final Repayment65 years70 years
Please note that these are indicative numbers, please refer to the official websites for the latest updated details.

Calculate your Aditya Birla home loan eligibility and unlock exclusive offers for you!

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Aditya Birla Home Loan Interest Rates

Standard Home Loan Rates

Salaried ROISelf Employed ROI
8.60% p.a onwards8.60% p.a onwards
Please note that these are indicative numbers, please refer to the official websites for the latest updated details.

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.

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Aditya Birla Home Loan Processing Fee and Charges

Processing Charges

Charge TypeAmount
Processing FeesUp-to 1% of the loan amount
Switching from fixed to floating interest rate and vice versa2% of principal outstanding plus applicable GST
Late Payment Charges12% p.a. above current applicable interest rate
Pre closure quote₹1,000/- per instance
Please note that these are indicative numbers, please refer to the official websites for the latest updated details.

Aditya Birla Home Loan Documents

Identity Documents

Document Name Salaried Self Employed
PAN ✔ ✔
Voter ID ✔ ✔
Passport ✔ ✔
Driving Licence ✔ ✔
Aadhar Card ✔ ✔

Proof Of Income

Document Name Salaried Self Employed
Latest 3 months salary slip showing all deductions & Form 16 ✔ ✖
IT Returns or financial documents for last 2 years and computation of income certified by a CA for last 2 years ✖ ✔
Rental receipts or documents showing receipt of income ✔ ✔

Aditya Birla Home Loan Schemes and Top Plans

Comparison

FeatureStandard Home LoanExtended Tenure Home LoanHome Extension LoanHome Improvement LoanPlot and Home Construction LoanPragati Plus Home LoanPrime Home LoanStep-Down Home LoanStep-Up Home LoanHome Construction Loan
Minimum Loan Amount––––5 lakhs––––5 lakhs
Maximum Loan Amount––––1.5 Crore––––1.5 Crore
Interest Rate8.60% p.a onwards–8.60% p.a onwards6.70% p.a.*8.60% p.a onwards––––8.60% p.a onwards
Tenureup to 30 yearsup to 25 years*up to 20 years*up to 10 years*up to 20 years*up to 30 years–up to 25 years*up to 25 years*up to 20 years*
Eligible Applicantssalaried or self-employedFor Senior salaried professionals working in top corporates nearing retirementsalaried or self-employedsalaried or self-employedsalaried or self-employedFor self-employed and high-earning professionals in pursuit of outstanding propertiesBank Salaried – Resident & NRI/PIO
Self Employed with formal income
Salaried customer having pension income post retirement or joint home loan with one of the borrowers retiring in short timeYoung & Budding Professionalssalaried or self-employed
Please note that these are indicative numbers, please refer to the official websites for the latest updated details.

Details

Aditya Birla Standard Home Loan

  • Minimum Loan Amount: ₹5 lakhs
  • Maximum Loan Amount: ₹1.5 Crore
  • Interest Rate: 8.60% p.a onwards
  • Tenure: Up to 30 years
  • Eligible Applicants: Salaried or Self-employed

Extended Tenure Home Loan

  • Tenure: Up to 25 years*
  • Eligible Applicants: For Senior salaried professionals working in top corporates nearing retirement

Home Extension Loan

  • Interest Rate: 8.60% p.a onwards
  • Tenure: Up to 20 years*
  • Eligible Applicants: Salaried or Self-employed

Home Improvement Loan

  • Interest Rate: 6.70% p.a.*
  • Tenure: Up to 10 years*
  • Eligible Applicants: Salaried or Self-employed

Plot and Home Construction Loan

  • Minimum Loan Amount: ₹5 lakhs
  • Maximum Loan Amount: ₹1.5 Crore
  • Interest Rate: 8.60% p.a onwards
  • Tenure: Up to 20 years*
  • Eligible Applicants: Salaried or Self-employed

Pragati Plus Home Loan

  • Tenure: Up to 30 years
  • Eligible Applicants: For self-employed and high-earning professionals in pursuit of outstanding properties

Step-Down Home Loan

  • Tenure: Up to 25 years*
  • Eligible Applicants: Salaried customer having pension income post-retirement or joint home loan with one of the borrowers retiring in a short time

Step-Up Home Loan

  • Tenure: Up to 25 years*
  • Eligible Applicants: Young & Budding Professionals

Home Construction Loan

  • Minimum Loan Amount: ₹5 lakhs
  • Maximum Loan Amount: ₹1.5 Crore
  • Interest Rate: 8.60% p.a onwards
  • Tenure: Up to 20 years*
  • Eligible Applicants: Salaried or Self-employed

How to Apply for Aditya Birla Home Loan?

Applying for an Aditya Birla home loan is a straightforward process:

  1. Check Eligibility: Verify that you meet the eligibility criteria for your selected loan product.
  2. Collect Documents: Gather all the required documents.
  3. Visit a Local Branch: Visit your nearest Aditya Birla Capital branch and fill out the application form.
  4. Submit Documents: Submit your application along with the required documents.
  5. Application Review: The bank will review your application and documents.
  6. 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 Aditya Birla’s best rates in a single call.

Call now!

Comparison

BankUp to Rs. 30 LakhAbove Rs. 30 Lakh to Rs. 75 LakhAbove Rs. 75 Lakh
SBI Bank8.00% p.a. onwards8.00% p.a. onwards8.00% p.a. onwards
HDFC Bank8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
LIC Bank8.50% – 10.35% p.a.8.50% – 10.55% p.a.8.50% – 10.75% p.a.
ICICI Bank8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
Kotak Mahindra Bank8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
Punjab National Bank8.50% – 11.05% p.a.8.50% – 11.05% p.a.8.50% – 11.05% p.a.
Bank Of Baroda8.40% onwards8.40% – 10.65% p.a.8.40% – 10.90% p.a.
Bajaj Housing Finance8.50% p.a. onwards8.50% p.a. onwards8.50% p.a. onwards
Axis Bank8.75%-10.30% p.a.8.75%-10.30% p.a.8.75%-10.30% p.a.
Bank of India8.40% p.a onwards8.40% p.a onwards8.40% p.a onwards
TATA Capital8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
The interest rates, maximum tenures, and other charges are subject to change, and it’s advisable to check with our experts for the most current information.

Frequently Asked Questions

What is the interest rate of Aditya Birla home loan?

The interest rate for Aditya Birla home loans typically starts around 8.50% and may vary based on the applicant’s profile and market conditions.

What is the interest rate of Aditya Birla payment bank?

Aditya Birla Payment Bank offers interest rates on savings accounts starting from approximately 4.00%, subject to change based on regulatory guidelines and bank policies.

What is the minimum CIBIL score for Aditya Birla Finance?

The minimum CIBIL score required for obtaining financing from Aditya Birla Finance is generally around 650, although higher scores may enhance loan approval chances.

What is the age limit for Aditya Birla Finance?

Applicants for Aditya Birla Finance products must typically be between 21 and 65 years of age at the time of loan application.

What is the rate of Aditya Birla?

The rates for Aditya Birla products, including loans and investment options, vary widely based on the specific product and market conditions; it’s best to check their official website for the latest rates.

Aditya Birla Housing Finance Ltd Calculators
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