Axis Bank Home Loan Eligibility Calculator – Updated 2025

Planning to buy your dream home? The AXIS Bank Home Loan Eligibility Calculator helps you instantly determine the maximum loan amount you qualify for. With competitive interest rates starting at 8.75% p.a. and processing times as quick as 48 hours, AXIS Bank offers one of India’s most streamlined home loan experiences.

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Axis Bank Home Loan Eligibility Criteria

Axis Bank Home Loan eligibility criteria are designed to assess your financial stability, income, credit score, and other factors to determine your loan approval.

Housing Loan/ Subh Arambh Home Loan/ Home Loan Balance Transfer/ Fast Forward Home Loan/ 

Aspect	Salaried Individuals	Professionals	Self Employed
Age	21 years – 65 years	21 years – 65 years	21 years – 65 years
Work Experience	Stable employment history	Consistent income	Consistent income through tax returns.
Work History	Government sectors or reputed companies.	Doctors/ Lawyers/ Chartered Accountants/ Management Consultants	Business owners or entrepreneurs

Asha Home Loan

Aspect	Salaried Individuals	Professionals	Self Employed
Age	21 years – 65 years	21 years – 65 years	21 years – 65 years
Work Experience	Stable employment history	Consistent income	Consistent income through tax returns.
Work History	Government sectors or reputed companies.	Doctors/ Lawyers/ Chartered Accountants/ Management Consultants	Business owners or entrepreneurs
Minimum Salary	₹8,000 per month	₹8,000 per month	₹8,000 per month

Home Loan Top Up

Condition	Details
Property Ownership	The property must be owned by an NRI only or in joint ownership (Applicable only for NRI customers).
Loan Extension	Top-up loans can only be extended against complete residential property with no pending post-disbursal documentation.
Repayment History	For an existing home loan borrower, clear repayment history is important. No more than 1 EMI bounce in the last year, and it must be cleared before the next EMI date.
Eligibility for Top-Up Loan	Existing home loan customers are eligible for a Top-Up Home Loan after six months of clear repayment.
Loan Takeover	For an existing home loan borrower, a clear repayment history is important. No more than 1 EMI bounce in the last year, and it must be cleared before the next EMI date.

Suggested Read: LTV Ratio in Home Loans

Axis Bank offers home loans to salaried and self-employed individuals for home construction or purchase. They also offer home loan balance transfers and top-up home loans to existing home loan borrowers. Axis Bank considers factors such as age, employment, income, credit score, and repayment history to determine eligibility for a home loan.

Here’s a breakdown of the general eligibility criteria for various Axis Bank Home Loan schemes:

General Eligibility

• Nationality: Indian
• Age: Applicants must be over 21 years of age when applying for the loan. The maximum age at the time of loan maturity varies:
  • 60 years for salaried individuals
  • 65 years for self-employed individuals and professionals
• Income: Varies depending on the specific loan scheme.

Home Loan Types and Eligibility

• For Salaried Individuals: Applicants employed by government entities or reputable companies are eligible.
• For Self-Employed Individuals: Any individual filing ITR (Income Tax Returns) can apply.
• For Professionals: This includes engineers, doctors, architects, dentists, chartered accountants, company secretaries, cost accountants, and management consultants.
• Shubh Arambh Home Loan/ Fast Forward Home Loan:
  • Available to salaried and self-employed applicants.
  • Requires a clean track record during the home loan tenure. This means no more than three instances of dues pending for 30 days or more, and no instances of dues pending for 90 days or more.
  • The home loan should be active for at least 4 years from the disbursement date to avail of EMI waiver benefits.
• Asha Home Loans:
  • Requires a combined family income of ₹8,000 to ₹10,000 per month, depending on the location.
  • Minimum loan amount: ₹1 Lakh; Maximum loan amount: Up to ₹35 Lakh.
• Top-up Home Loans: Existing home loan customers are eligible for a Top-up Home Loan after six months of clear repayment.
• Fast Forward Home Loan: All salaried, self-employed, and professionals are eligible. A minimum home loan tenure of 20 years is required at the time of disbursement.

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How to Use Axis Bank Home Loan Eligibility Calculator?

Axis Bank’s Home Loan Eligibility Calculator allows you to check your housing loan eligibility online quickly. Follow these simple steps:

1. Input your total gross monthly income.
2. Choose the desired loan term. Longer tenures can increase your eligibility.
3. Enter Axis Bank’s current home loan interest rate.
4. Input your existing monthly EMIs for other loans.
5. View your eligible loan amount based on the entered details.

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Axis Bank Home Loan Eligibility Based on Salary

The eligibility for an Axis Bank home loan depends on various factors, including your salary. Here’s a general guideline on how salary impacts eligibility:

• The higher your salary, the higher the home loan amount you may be eligible for.
• Typically, a higher salary allows you to qualify for a larger loan, as your income indicates the ability to repay a larger amount.

For example, someone earning ₹1 lakh/month may be eligible for a loan of ₹1 crore or more, while someone earning ₹40,000/month might only be eligible for ₹30-40 lakh.

Also Read: How Much Home Loan Can You Get Based on Salary?

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Axis Bank Home Loan Eligibility Based on Age

Applying for an Axis home loan early ensures that you can get a longer repayment tenure, lowering your EMI and helping you manage your finances better.

Applicant Age	Maximum Eligible Tenure
21 – 35 years	30 years
36 years	29 years
37 years	28 years
38 years	27 years
39 years	26 years
40 years	25 years
41 years	24 years
42 years	23 years
43 years	22 years
44 years	21 years
45 years	20 years

Suggested Read: Home Loans for Salaried Employees

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Axis Bank Home Loan Eligibility Based on Property Value

Axis Bank home loan eligibility is not only determined by the applicant’s income but also by the value of the property being purchased.

The bank evaluates the property’s market value to ensure that it serves as adequate collateral for the loan.

Property Value	LTV Ratio
Up to Rs.30 lakh	90% of the property cost
From Rs.30 lakh to Rs.75 lakh	80% of the property cost
Above Rs.75 lakh	75% of the property cost

Also Read: Home Loan for Self-Employed Professionals

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Axis Bank Home Loan Eligibility Based on Credit Score

A strong credit score is essential for securing an Axis Bank home loan, as it reflects your creditworthiness and repayment reliability.

Rating	Credit Score
Good	750 and above
Average	600 – 750
Poor	Below 600

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Axis Bank Home Loan Eligibility for Women

• Eligibility Criteria: Women applicants must meet the same eligibility requirements as other borrowers, including income, credit score, and property value.
• Benefit: This discount helps make home ownership more affordable for women borrowers.

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Benefits of Using Axis Bank Home Loan Eligibility Calculator

• Instantly determines your loan eligibility
• Access the calculator online anytime for free
• Get a clear understanding of your borrowing capacity
• Helps align your home search with your budget
• Use your eligibility estimate to negotiate better terms and conditions

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Factors Affecting Axis Home Loan Eligibility

Several factors affect your eligibility for an Axis home loan, including:

Factor	Impact on Eligibility
Age of the applicant	Younger applicants get longer repayment tenures
Financial position	Strong financials improve eligibility
Repayment record	Also, a good repayment history boosts eligibility
Credit score	Also, a credit score boosts eligibility
Existing liabilities	Higher liabilities reduce eligibility
Applicant’s profile	Stable profiles are favored
Higher scores increase the chances of approval	Newer, well-located properties have better eligibility
Loan guarantor status	Being a guarantor to another loan can affect eligibility

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How to Improve My Eligibility For Axis Home Loan?

To improve your eligibility for an Axis home loan, take these key steps to qualify for a higher loan amount with better terms.

Factor	How to Improve Eligibility
Credit Score	Maintain a score of 750+ by clearing dues on time and reducing debt.
Employment Stability	Stay employed with a stable job or business for at least 2 years.
Debt-to-Income Ratio	Reduce existing debts or liabilities to lower your DTI ratio.
Loan Tenure	Opt for a longer tenure to lower monthly EMI and improve eligibility.
Co-applicant	Add a co-applicant with a steady income to boost eligibility.
Property Value	Choose a property with a higher market value to increase loan eligibility.
Additional Savings	Having significant savings or assets can demonstrate financial stability.
Avoid Unnecessary Loans	Refrain from taking new loans during the application process.

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Get the Best Axis Bank Home Loan Offers with Credit Dharma

Credit Dharma is your trusted partner for securing the best Axis Bank Home Loan offers, with over ₹500 Cr+ loans handled and partnerships with 20+ leading banks. We provide exclusive access to the lowest interest rates and a seamless, digital process with fast approvals in just 1-2 weeks, backed by lifetime support from our home loan experts.

Why choose Credit Dharma? We provide:

• Lowest Interest Rates: Save more with every EMI.
• Maximum Funding: Get up to 100% funding for your dream home.
• Simple & Digital Process: No tedious paperwork or branch visits.
• Expert Guidance: Lifetime support from our team of specialists.

Compare, choose, and secure the best Axis Bank Home Loan offer with Credit Dharma — your home loan journey starts here!

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Conclusion

Buying a home is a big step. Getting a home loan can be hard, but we make it easy. Choosing Credit Dharma for your home loan simplifies this process. We offer expert advice and personalized assistance to make everything hassle-free. You’ll receive timely updates on your loan application and disbursement progress.

From the initial application to the final disbursement, we provide comprehensive support. Enjoy clear and honest communication at every stage, with no hidden surprises.

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Frequently Asked Questions [FAQs]