Axis Bank Home loan Interest Rates

Axis Bank Home loan Interest Rates

Axis Bank offers affordable and flexible housing loans that can turn your dream of owning a home into reality.

If rising real estate prices have pushed the house you coveted beyond your budget, Axis Bank’s unmatched home loans will put it within reach. The attractive interest rates and minimal processing fees make our home finance products a first choice for savvy buyers. In addition, features such as flexible tenures, transparent processing and quick service have made our products stand out among the best home loans in India.

We have products to suit every budget, taste and need. Whether you are self-employed or salaried, want a floating or fixed rate, Axis Bank will offer a loan that is just right for you.

Features of Axis Bank Home Loans

Axis Bank housing loans are designed for today’s home-hunter. Our easy home loans are rich in features and offer a number of benefits.

  • Attractive housing finance rates: We offer attractive interest rates that make your housing loans affordable and easier on your pocket every month.
  • Flexible rates: Choose between fixed and floating rate options depending on which way you think interest rates are moving.
  • Balance transfer facility: Not satisfied with your existing Home Loan provider? You can transfer your Home Loan to us without any hassles.
  • Doorstep service: You don’t have to go the bank for Home Loans; the bank will come to your doorstep. Perfect for those leading busy lives.
  • Nil prepayment charges* : Come into some money and want to pay off your housing loan early? You can do that at Axis Bank without worrying about prepayment charges.

* Valid only on floating interest rate Home Loans.


Rate of Interest

Sr. NoTypeLoan amount (Rs.)Base Rate + Mark UpEffective Rate Of Interest
1Floating RateLess than Rs. 25 LacBase Rate + 0.75%10.75% p.a.
Loans greater than Rs.25 lac – Rs. 75 lacBase Rate + 1.00%11.00% p.a.
Loans greater than Rs. 75 lacBase Rate + 1.25%11.25% p.a.
Top Up – All loans, RenovationsBase Rate + 2%12.00% p.a.

Base Rate – 10.25%

NISHCHINT – Home Loan with Fixed Rate of Interest

TypeEffective Rate Of Interest
Fixed Rate11.75% p.a.


  • *Repayment period for Home Loans shall not exceed 25 years.
  • *Repayment period of pre-allotment bookings of housing loans shall not exceed 1½ year
  • *Repayment period of improvement or renovation or extension of existing property shall not exceed 10 years.


Equitable mortgage of the property to be financed by way of deposit of title deeds.


The loan will be disbursed in full or in suitable installments, taking into account the requirement of funds and progress of construction, as assessed by the Bank directly to seller or builder or local development authority or supplier of materials etc.

Processing charges or admission fee

Processing fee equivalent to 1% of the loan amount (applied for) will be collected along with the application form (taxes as applicable).

Penalty for early closure

Nil on floating interest rate Home Loans

Other Conditions

  • Bank reserves the right to reject any application without assigning reasons thereof
  • The applicant will undertake to inform the Bank as and when there is a change in address or employment

The terms and conditions mentioned above and elsewhere under the scheme are subject to modification from time to time solely at Bank’s discretion

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