Aditya Birla Housing Finance Limited

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The following special features from ABHFL make Home Loans much more attractive than other lenders:

• Easy online application process, quick approvals, and instant eligibility

• Doorstep services with simplified documentation

• Choices between simple EMIs or structured repayments

• Attractive balance transfer option available to transfer your existing home loan to us without any hassles

• Nil pre-payment charges for floating rate home loans given to individuals

You can apply for ABHFL home loans via various options:

• Download the application form from our website – ABHFL Home Loan Application Form — and submit the duly filled form to your nearest branch

• Write to us at

• Call us on 1800 270 7000

• Visit any of our branches spread over various locations. Click on Locate Us to find your nearest branch

Your Home Loan eligibility is decided based on your repayment capacity and up to 90% of the property value. Your repayment capacity depends on the following factors:

• The income of all applicants

• Age of the primary applicant

• Other income or existing EMIs

• Stability and continuity of the primary applicant's occupation

Yes, you can avail of a loan for any of the following purposes:

• Purchase of a home

• Construction of a home

• Home repairs

• Home improvements

• Home extension

• Plot purchase + home construction

There is no minimum amount of loan. The minimum amount is subject to changes as per internal policies and guidelines of ABHFL.

You will need to submit the following self-attested documents:

Purpose Salaried Self-employed / Professional / Partnership / Company
Proof of Identity and Address Passport or Voter's ID card or Driving License or Job Card issued by NREGA or Aadhaar Card or Registration certificate or PAN card (PAN card only as identity proof) or any other document as acceptable to ABHFL
Proof of Income Latest 3 month's salary slip showing all deductions and Form 16 IT Returns or financial documents for last 2 years and computation of income certified by a CA for last 2 years
Bank statement where salary or income is credited Latest 6 months Latest 6 months
Proof Other Income Rental receipts or documents showing receipt of income
Property Documents Copy of Title documents and approved sanction plan

ABHFL may request additional documents for processing your loan.

You will have to submit the documents along with your application form.
ABHFL requires a mortgage of the property for which the loan is being taken. The title of the property should be clear, marketable, and free from any encumbrance as certified by ABHFL’s approved advocate. This is done to safeguard your as well as ABHFL’s interests. Along with the title search report, you will also be required to submit a valuation report. Additional security may be required if the aforesaid criteria are not met.
The tenure of your home loan ranges for up to 30 years. The term, however, does not extend beyond the retirement age or 60 years, whichever is earlier.
Yes, it is mandatory to have a co-applicant. If someone is the co-owner of the property in question, it is necessary that he/she also be the co-applicant for the home loan. If you are the sole owner of the property, any member of your immediate family can be the co-applicant.
Yes, both of your incomes can be clubbed to calculate the loan amount. You will have to provide proofs of the same to be considered for the calculation of the loan amount.
Yes, based on your income eligibility, we can offer you PNI (Property Not Identified) Sanction Letter for your home loan. You can identify the property you need to buy based on this document. The final sanction of your home loan will be based on the assessment of the identified property. However, if the property is under construction, kindly speak to your assigned sales manager for acceptability.
The approval will be valid for 90 days from the date of sanction. However, if the loan is not drawn within 30 days of issuance of the sanction letter, a fresh sanction letter needs to be obtained.
Loans are processed within 15 working days of completing the documentation as required by ABHFL.
The interest is calculated on a monthly reducing balance at the prevailing rate of interest (ROI) of your loan. ABHFL offers floating interest rates linked to our internal floating reference rate (referred to as ABHFL Reference Rate — ARR). Click Here
ARR is the benchmark long-term reference rate. This is determined by the market conditions and the cost of funds for the company. It changes depending on various external factors, economic conditions, and business-specific changes.
As per our re-pricing policy, interest rates are reviewed from time to time and a decision is taken whether to change the interest rates or not.
Yes, you can transfer your current outstanding home loan to ABHFL. Please select “Refinance” option while filling up the form. You can also avail an additional Top-Up loan.
Due to an increase in income, decrease in existing outstanding, or additional anticipated expenses, if you wish to increase the loan amount and take a cash-out, you can do so by applying for a Top-up loan.
You can get an additional loan while transferring it to ABHFL. The eligible loan amount will be based on home loan eligibility criteria as mentioned in Question 3 above.
Yes, an initial non-refundable processing fee is charged for every home loan application. The processing fee to avail home loan is up to 1% of the loan amount plus applicable taxes.
There could be. To check the schedule of charges associated with transactions, Click here.
You repay a loan in Equated Monthly Installments (EMIs) comprising principal and interest. Repayment by way of EMI commences from the month following the month in which you take the full disbursement.
Pre-EMI interest is the interest on the loan amount disbursed. It is payable every month from the date of each disbursement until the commencement of the EMI payments.
You can make repayment through NACH.
Yes, resident Indians are eligible for tax benefits on both the principal and the interest of a home loan under the Income Tax Act. Please consult your tax advisor for details.
Yes, you can repay loan ahead of schedule. Refer most important terms and conditions for charges.
You can read more about our governance guidelines here.
Any unbanked/unused cheques, i.e., Post-dated/Undated Cheques/Security Post-dated Cheques in the custody of ABFL or ABHFL will be cancelled and shredded /destroyed, without any intimation to the customer, after the closure of the loan account.

When there is an unexpected increase in interest rates, we first attempt to make things easier on you by increasing the loan tenure within permissible limits. If this doesn’t resolve the issue covering interests under current EMI, we will need to increase the EMI. If you wish to make any changes in the impact given by ABHFL , you may call us call us on 1800 270 7000 or email us at On receipt of your request, changes will be made to Policy T&C and a revised repayment schedule will be shared.

Please note that if there is a change in ARR, we update the revised ARR on our website along with an illustrative impact of the change. Further, a communication will be sent on your registered mobile number and email ID.

To reduce the rate of interest, you need to place a request via Call Centre (1800 270 7000), Email or Branch Walk-in. On receipt of request, we will assess your request and will share the response on your registered email id within T+ 10 working days.

The ABHFL Rate of Interest (“ROI”) shall be determined based on the cost of borrowed funds, tenor of loan, liquidity conditions prevailing in the market, cost of operations, credit risk arising from the borrower or pool of borrowers and the minimum margin. Please refer the Policy for determination of Interest Rates, Processing and Other charges placed on our website for further details. The Rate of Interest for your loan is linked to the ABHFL Reference Rate and the same may be revised from time to time.

The impact of change in ROI shall be given on Loan Tenure or EMI or both as the case may be, depending upon customers’ repayment capacity. Any change in ROI will be intimated to the customers. Please connect with us on call at 1800 270 7000 or email us at in case you wish to change the options offered.

The following are the various impacts that can take place on your loan depending on multiple parameters:

Revision in Tenure with EMI Constant

Revision in Tenure & EMI

Revision in EMI


Scenario: Customer is a Salaried individual with a Home Loan from ABHFL with the following terms:

Loan Amount: Rs. 30,00,000

Loan Tenure: 240 months (20 years)

ROI: 9.00%

EMI: Rs. 26,992

The calculated EMI is Rs. 26,992 as per the above parameters.

Scenario: Loan has been paid for 10 months and there is still another 230 months to repay the same. After 10 months, the loan details are:

Loan Outstanding Amount: Rs. 29,53,536

Balance Loan Tenure: 230 months

Scenario: Reference Rate increases by 0.25% due to which ROI has also changed. Revised ROI will be: 9.00% + 0.25% = 9.25%

Considering the Loan Outstanding Amount, Remainder Loan Tenure & Revised ROI, the Revised EMI = Rs. 27,463

Increase in EMI = Rs. 27,463 (Revised EMI) – Rs. 26,992 (Original EMI) = Rs. 471.

Impact of Rate increase by 0.25% = Rs. 471 (Difference in EMI) x 230 months (Remainder Loan Tenure) = Rs. 1,08,349

Ideally, increase in tenure keeping EMI constant would be looked at (provided there is no tenure breach). In such a scenario, tenure would be increased by 12 additional months and the additional outflow is Rs.3,23,901 (12 x 26,992).

Disclaimer: The following questions and answers are provided for general information only and may not be completely accurate in every circumstance; they do not purport to be legal/ commercial advice, and are not intended to be binding on ABHFL. ABHFL shall have the right to change them from time to time. Each case would be reviewed independently, and the FAQs will have no binding effect on ABHFL.

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