Aditya Birla Housing Finance offers home loans in 2025 with rates starting at 8.60% p.a. for salaried and self-employed individuals. With flexible terms, quick approvals, and minimal documentation, Aditya Birla 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.
Aditya Birla Housing Finance Home Loan Interest Rates by Employment
Aditya Birla Housing Finance Home Loan Interest rates for 2025 will start from 8.60% per annum for salaried employees and for self employed borrowers. It is due to income consistency, credit score and repayment ability.
Aditya Birla Housing Finance Home Loan Interest Rates for Salaried Employees
| Home Loan Type | Home Loan Interest Rates |
|---|---|
| Home Loan For Salaried | 8.60% p.a onwards |
Aditya Birla Housing Finance Home Loan Interest Rates for Self Employed
| Home Loan Type | Home Loan Interest Rates |
|---|---|
| Home Loan For Self Employed | 8.60% p.a onwards |
Check Out: Home Loan Eligibility – Salaried vs Self-Employed
Aditya Birla Housing Finance All Schemes Home Loan Interest Rates
Aditya Birla Housing Finance presents a range of home loan schemes in 2025, with interest rates beginning at 8.60% p.a., designed for salaried, self-employed, and NRI customers. The loans feature flexible tenures, easy documentation, and fast approvals.
| Home Loan Type | Home Loan Interest Rates |
|---|---|
| Aditya Birla Standard Home Loan | 8.60% p.a onwards |
| Extended tenure Home Loan | 8.60% p.a onwards |
| Home Extension Loan | 8.60% p.a onwards |
| Home Improvement Loan | 6.70% p.a. onwards |
| plot and home construction loan | 8.60% p.a onwards |
| Pragati Aashiyana Home Loan | 8.60% p.a onwards |
| Pragati Home Loan | 8.60% p.a onwards |
| Pragati Plus Home Loan | 8.60% p.a onwards |
| Prime Home Loan | 8.60% p.a onwards |
| Step-Down Home Loan | 8.60% p.a onwards |
| Step-Up Home Loan | 8.60% p.a onwards |
| Home Construction Loan | 8.60% p.a onwards |
| Loan Against Property / Micro LAP | 9.50% p.a onwards |
| Construction Finance loan / Micro Construction Finance | 8.60% p.a onwards |
| Balance Transfer / Priority Balance Transfer / Express Balance Transfer | 9.00% p.a onwards |
| PMAY-U 2.0 | – |
Note: For exact interest rates, please contact the Bank
Check Out: Aditya Birla Housing Finance Home Loan Eligibility Calculator
All Schemes Offered by Aditya Birla Housing Finance: A Detailed Overview
Explore all the loan schemes offered by Aditya Birla Housing Finance home loans, business loans, personal financing and many more planned to suit numerous financial needs through flexible terms.
Aditya Birla Standard Home Loan
Aditya Birla Standard Home Loan offers competitive interest rates and flexible repayment options to help you achieve your homeownership goals.
| Features | Details |
|---|---|
| Interest rate | 8.60% p.a onwards |
| Maximum loan amount | Up to 90% of the property value |
| Loan tenure | Up to 30 years |
| Processing fees | Up to 1% of the loan amount |
| Eligibility | New and Existing Bank Customers |
Extended Tenure Home Loan
Aditya Birla Housing Finance offers extended tenure home loans, providing flexible repayment options to suit your financial needs.
| Features | Details |
|---|---|
| Interest rate | 8.60% p.a onwards |
| Maximum loan amount | Up to 90% of the property value |
| Loan tenure | Up to 25 years |
| Processing fees | Up to 1% of the loan amount |
| Eligibility | New and Existing Bank Customers |
Also Read: Home Loan Tax Benefits Calculator
Home Extension Loan
Aditya Birla Housing Finance Home Extension Loan helps you renovate or expand your current home with flexible loan amounts and repayment terms.
| Features | Details |
|---|---|
| Interest rate | 8.60% p.a onwards |
| Maximum loan amount | Up to 90% of the property value |
| Loan tenure | Up to 20 years |
| Processing fees | Up to 1% of the loan amount |
| Eligibility | New and Existing Bank Customers |
Home Improvement Loan
Aditya Birla Housing Finance Home Improvement Loan offers financial support for upgrading or renovating your home with flexible terms and competitive rates.
| Features | Details |
|---|---|
| Interest rate | 6.70% p.a. onwards |
| Maximum loan amount | Up to 90% of the property value |
| Loan tenure | Up to 10 years |
| Processing fees | Up to 1% of the loan amount |
| Eligibility | New and Existing Bank Customers |
Plot and Home Construction Loan
Aditya Birla Housing Finance Plot and Home Construction Loan provides funding for purchasing land and building your dream home with flexible repayment options.
| Features | Details |
|---|---|
| Interest rate | 8.60% p.a onwards |
| Maximum loan amount | Up to 90% of the property value |
| Loan tenure | Up to 20 years |
| Processing fees | Up to 1% of the loan amount |
| Eligibility | New and Existing Bank Customers |
Check Out: Home Loans With Overdraft Facility Calculator
Pragati Aashiyana Home Loan
Aditya Birla Housing Finance Pragati Aashiyana Home Loan offers affordable financing options for first-time homebuyers with easy eligibility and flexible terms.
| Features | Details |
|---|---|
| Interest rate | 8.60% p.a onwards |
| Maximum loan amount | Up to Rs 50 lakhs |
| Loan tenure | Up to 20 years |
| Processing fees | Up to 1% of the loan amount |
| Eligibility | New and Existing Bank Customers |
Pragati Home Loan
Aditya Birla Housing Finance Pragati Home Loan provides easy access to home financing with attractive interest rates and flexible repayment options.
| Features | Details |
|---|---|
| Interest rate | 8.60% p.a onwards |
| Maximum loan amount | Up to 90% of the property value |
| Loan tenure | Up to 30 years |
| Processing fees | Up to 1% of the loan amount |
| Eligibility | New and Existing Bank Customers |
Pragati Plus Home Loan
Aditya Birla Housing Finance Pragati Plus Home Loan offers enhanced benefits with higher loan amounts and flexible terms for homebuyers.
| Features | Details |
|---|---|
| Interest rate | 8.60% p.a onwards |
| Maximum loan amount | Up to 90% of the property value |
| Loan tenure | Up to 30 years |
| Processing fees | Up to 1% of the loan amount |
| Eligibility | New and Existing Bank Customers |
Prime Home Loan
Aditya Birla Housing Finance Prime Home Loan offers competitive interest rates and customized repayment plans for seamless homeownership.
| Features | Details |
|---|---|
| Interest rate | 8.60% p.a onwards |
| Maximum loan amount | Up to 90% of the property value |
| Loan tenure | Up to 30 years |
| Processing fees | Up to 1% of the loan amount |
| Eligibility | New and Existing Bank Customers |
Check Out: Loan Against Property Eligibility Criteria
Step-Down Home Loan
Aditya Birla Housing Finance Step-Down Home Loan offers lower interest rates over time, making it easier to manage repayments as you progress.
| Features | Details |
|---|---|
| Interest rate | 8.60% p.a onwards |
| Maximum loan amount | Up to 90% of the property value |
| Loan tenure | Up to 25 years |
| Processing fees | Up to 1% of the loan amount |
| Eligibility | New and Existing Bank Customers |
Step-Up Home Loan
Aditya Birla Housing Finance Step-Up Home Loan offers lower initial EMIs with gradual increases, making it ideal for borrowers expecting future income growth.
| Features | Details |
|---|---|
| Interest rate | 8.60% p.a onwards |
| Maximum loan amount | Up to 90% of the property value |
| Loan tenure | Up to 25 years |
| Processing fees | Up to 1% of the loan amount |
| Eligibility | New and Existing Bank Customers |
Home Construction Loan
Aditya Birla Housing Finance Home Construction Loan provides funding for building your dream home with flexible terms and competitive interest rates.
| Features | Details |
|---|---|
| Interest rate | 8.60% p.a onwards |
| Maximum loan amount | Up to 90% of the property value |
| Loan tenure | Up to 20 years |
| Processing fees | Up to 1% of the loan amount |
| Eligibility | New and Existing Bank Customers |
Loan Against Property / Micro LAP
Aditya Birla Housing Finance Loan Against Property/Micro LAP allows you to leverage your property for quick financial support with flexible repayment options.
| Features | Details |
|---|---|
| Interest rate | 9.50% p.a onwards |
| Maximum loan amount | Up to Rs 5 crores or Up to 70% of property value |
| Loan tenure | Up to 20 years |
| Processing fees | Up to 1% of the loan amount |
| Eligibility | New and Existing Bank Customers |
Check Out: Loan Against Property Eligibility Criteria
Construction Finance loan / Micro CF
Aditya Birla Housing Finance Construction Finance Loan/Micro Construction Finance offers funding for small-scale construction projects with flexible repayment options.
| Features | Details |
|---|---|
| Interest rate | 8.60% p.a onwards |
| Maximum loan amount | Up to Rs 5 crores or Up to 70% of property value |
| Loan tenure | Up to 10 years |
| Processing fees | Up to 1% of the loan amount |
| Eligibility | New and Existing Bank Customers |
Balance Transfer / Priority Balance Transfer / Express Balance Transfer
Aditya Birla Housing Finance Balance Transfer options, including Priority and Express, offer lower interest rates and flexible terms to help you manage existing home loan repayments efficiently.
| Features | Details |
|---|---|
| Interest rate | 9.00% p.a onwards |
| Maximum loan amount | Up to Rs 3 crores |
| Loan tenure | Up to 30 years |
| Processing fees | Up to 1% of the loan amount |
| Eligibility | New and Existing Bank Customers |
Check Out: Home Loan Balance Transfer Calculator Online
PMAY-U 2.0 (Pradhan Mantri Awas Yojana)
Aditya Birla Housing Finance PMAY-U 2.0 offers subsidized home loan rates for eligible urban borrowers under the Pradhan Mantri Awas Yojana for affordable housing.
| Features | Details |
|---|---|
| Interest rate | – |
| Maximum loan amount | The maximum loan amount is ₹25 lakh.The maximum house value is ₹35 lakh. |
| Loan tenure | – |
| Processing fees | Up to 1% of the loan amount |
| Eligibility | New and Existing Bank Customers |
Also Read: Pradhan Mantri Awas Yojana (PMAY) Scheme Details
How to Get Lowest and Best Home Loan Interest Rates at Aditya Birla 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 Aditya Birla 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 Aditya Birla Housing Finance account holders, there are no special offers for female customers and Aditya Birla 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 Aditya Birla 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, Aditya Birla 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 Aditya Birla Housing Finance Interest Rates Calculated
Aditya Birla Housing Finance calculates its home loan interest rates after analyzing certain key elements:
- Benchmark Rate: Based on the RBI guidelines and market conditions, Aditya Birla Housing Finance uses either MCLR or EBLR.
- Spread or Markup: An individual and the type of loan granted it determines the spread added by Aditya Birla 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.
Check Out: Home Loans with Overdraft Facility Calculator
How to Switch my Aditya Birla Housing Finance home loan from Fixed to Floating Interest Rates?
Migrate from a fixed interest rate to a floating home loan interest rate fromAditya Birla Housing Finance:
- 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 Aditya Birla Housing Finance: Contact the customer care or your relationship manager from Aditya Birla 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: Aditya Birla Housing Finance will acknowledge the request after completion and put your home loan under the floating interest rate.
How to Obtain Aditya Birla Housing Finance Home Loan Interest Certificate
Time needed: 3 minutes
- Visit Aditya Birla Housing Finance Website
- Log in to your internet banking account using your credentials.
- Navigate to the Home Loan Section
Once logged in, go to the “Home Loan” or “Loan Account” section on the dashboard.
- Select Interest Certificate Option
Look for the “Interest Certificate” or “Tax Certificate” option.
Click on the relevant option to proceed. - Choose the Loan Account
If you have multiple loans, select the specific loan account for which you need the interest certificate.
- Download the Certificate
After selecting the loan account, you should be able to view and download the interest certificate for the relevant financial year.
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 Aditya Birla 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 Aditya Birla Housing Finance home loans typically starts at around 8.60% per annum, depending on the loan type and eligibility.
To be eligible for a home loan with Aditya Birla Housing Finance, you should be between 21 and 60 years old.
The processing fee for an Aditya Birla Housing Finance home loan is typically around 1% of the loan amount, plus applicable taxes.
The documents required for an Aditya Birla home loan include identity proof, address proof, income proof, property documents, and bank statements.
Aditya Birla Housing Finance home loan disbursement typically takes up to 15 days, subject to document verification and approval.
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