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Aditya birla Home Loans- Contruction Finance

Construction Finance

The real estate developers require constant flow of funds for various construction-related work at different stages of project to ensure timely completion of projects.
Construction Finance loan is an ABHFL offering designed to meet this requirement of real estate developers across the life cycle of their proposed or ongoing construction projects against the project sales receivables. We trust in developing symbiotic relationships with the builders to create a seamless marketplace.

Features & Benefits of Construction Finance

  • Easy repayment option through Escrow mechanism with structured repayment options; ECS repayment facility
  • Tenure up to 60 months
  • Robust service delivery model – door step services ensuring easy and fast approval & disbursal of loans
  • Pan India branch network
  • Quick & transparent processing

Construction Loan Eligibility

Evaluation on the basis of the project cash flow


  • Ahmedabad
  • Bangalore
  • Baroda
  • Bhopal
  • Chandigarh
  • Chennai
  • Coimbatore
  • Delhi & NCR
  • Gurgaon
  • Hyderabad
  • Indore
  • Jaipur
  • Kolkata
  • Mumbai
  • Nashik
  • Noida
  • Pune
  • Surat
  • Thane
  • Vashi
  • Vishakhapatnam

Construction Loan Rates



Loan Processing /Administration Fee

Home Loans : Up-to 1% of the loan amount
Other Loans : Up-to 2% of the loan amount

Part Payment/Pre-Closure Charges:
(applicable for non-individuals/ individuals with other than floating rate)

  • Part Payment / Pre-closure is allowed after 12 months from final loan disbursement date
  • In case of Part Payment / Pre-closure before 12 months from final loan disbursement date, lock-in period interest will be applicable
  • Floating rate loans given to individuals, where all applicants and co-applicants are individuals: Nil
  • Fixed Rate loan given to Individuals (Pre-closed by own sources) - Nil
  • Home Loans (other than floating rate Home Loans to individuals): 2% of principal outstanding
  • Other Non-Housing loans - LAP/LRD/CP/GPL (other than floating rate loans to individuals): 4% of principal outstanding

Other Charges:
Default Penal Interest Rate / Non Conformance with
any covenants / stipulated conditions

24% p.a. i.e. 2% per month

Cheque Return Charges/NACH failure charges

Rs.750/- per instance

Accrued Interest

As applicable based on actual delayed status or as communicated by the lender from time to time

CERSAI charges (You may visit the website of CERSAI for all such charges at

  • When facility amount is equal to Rs.5 lacs or lesser – Rs.50 per property
  • When facility amount is greater than Rs.5 lacs – Rs.100 per property

Pre-closure quote

Rs.1,000/- per instance

Request for Copies of any collateral held with ABHFL

Rs.750/- per instance

Duplicate Statement/ Repayment Schedule / any other document held with ABHFL request

Rs.200/- per instance

Charge For Exchanging ECS mandate

Rs.750/- per instance

CIBIL report retrieval fee

Rs.50/- per instance for Consumer and Rs.500/- for Commercial CIBIL

Loan Re-schedulement (at discretion of ABHFL) charges


NOC issuance charges


Revision of Fixed rate to floating and vice-versa/ revision in loan interest rate/ tenure at discretion of ABHFL

2% of the loan outstanding

  • Stamp Duty
  • Legal and other statutory charges
  • Insurance Premium
  • Creation charge with ROC

As per actual, where applicable

Documents Required for Construction Loan

  • Duly filled Application Form
  • Identity proof, residence proof of Individuals & Firm/ Company
  • Project profile along with detail evaluation
  • Mortgage deed related to project land and construction thereon
  • Copy of all statutory approvals regarding project
  • Income/Cash flow to establish source of repayments
Brochure/Application form Download
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