Beware of fraud! It has come to our notice that some unscrupulous people, who are neither affiliated with Aditya Birla Capital Ltd nor Aditya Birla Housing Finance Limited are cheating people of their money by promising loans at an unrealistic interest rate via fake marketing banners/ websites, etc. by misusing our name, brand and/or logo and employee information. Please verify the loan offer by calling us on 1800 270 7000 or writing to us on To know more, click here

Home Loan

Your home is where you build memories with your loved ones. It’s your own little piece of heaven. ABHFL presents a home loan, especially designed just for you.
For information regarding the Pradhan Mantri Awas Yojna (PMAY), click here to download brochure. ​​​​​​

Home Loan Features and Benefits

Your home is where you build memories with your loved ones. It's your own little piece of heaven. ABFHL presents home loans, especially designed just for you.

  • Attractive interest rates
  • Loan tenure up to 30 years*
  • Quick & transparent processing
  • Nil pre-payment charges for floating rate home loans given to individuals
  • Attractive balance transfer option available
  • ​Door step services

* Disclaimer - All loans will be at the sole discretion of ABHFL

Home Loan Eligibility

  • Minimum age of applicant - 21 yrs
  • Maximum age of applicant at loan maturity - 60 years for salaried, 70 years for self employed
  • Loan to property value -
    Upto 30 Lakhs 30 Lakhs to 75 Lakhs More than 75 Lakhs
    90 % ​80 % ​​​​​​​75 %

Branch Locations for Home Loan

  • Ag​ra
  • Ajmer
  • Ahmedabad
  • Aurangabad​​
  • Bangalore
  • Baroda
  • Bhopal
  • Bhubhaneshwar
  • Chandigarh
  • Chennai
  • Coimbatore
  • Dehradun
  • Delhi & NCR
  • Gurgaon
  • Hyderabad
  • Indore
  • Jaipur
  • Jodhpur
  • Kolkata
  • Kanpur
  • Lucknow
  • Ludhiana
  • Mumbai
  • Meerut
  • Nagpur
  • Nashik​
  • Noida
  • Pune
  • Raipur
  • Rajkot
  • Ranchi
  • Surat
  • Thane
  • Udaipur
  • Vashi
  • Vijaywada
  • Vishakhapatnam

Home Loan Fees and Other Charges

Transaction Charges​
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:
Any part pre-payments made in the last 12 months prior to closure will be counted towards the pre-closure charges (applicable for non individuals/ individuals with other than floating rate)
  • Floating rate loans given to indivi​duals, where all applicants and co-applicants are individuals: Nil​
  • Home Loans (other than floating rate Home Lo​ans to individuals): 2% of principal outstanding
  • Loan against Property & Lease Rental Discounting: 4% of principal outstanding
  • Loan against Property or Lease Rental discounting (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
NACH failure charges ₹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 ₹.5 lacs or lesser – ₹.50 per property
  • When facility amount is greater than ₹5 lacs – ₹100 per property
Pre-closure quote ₹1,000/- per instance
Request for Copies of any collateral held with ABHFL ₹750/- per instance
Duplicate Statement/ Repayment Schedule / any other document held with ABHFL request ₹200/- per instance
Cheque Return Charges/ECS failure charges ₹750/- per instance
CIBIL report retrieval fee ₹50/- per instance for Consumer and ₹500/- for Commercial CIBIL
Loan Re-schedulement (at discretion of ABHFL) charges 0.50%
NOC issuance charges ₹500
Cancellation Charges if any 4.00% of loan amount disbursed
Swap Charges (Fixed or semi-fixed rate to floating and vice-versa 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
Above charges constitute the rack rate for all customers. Actual charges for any customer, if different, will be as communicated at the time of loan sanction and disbursal and would be subject to changes from time to time.​​

Fees and Other charges (applicable GST @ 18% will be levied on these charges)

Documents Required for Home Loan

Purpose Salaried Self Employed / Professional / Partnership / Company
Proof of I​dentity and Address Passport or Voter's ID card or Driving License or Job Card issued by NREGA or Adhaar 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 months salary slip showing all deductions & 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 ​​​​​​

Home Loan Frequently Asked Questions

1) What is a Home Loan?

A home loan is a type of a secured loan that is availed by a user from financial institutions to purchase a house. A house loan is repaid by paying regular equated monthly installments (EMI) which includes of a part of the principal taken as a loan and the interest accrued.

2) How do I apply for home loan?

You can apply for our housing loans through various options:

  • Download the home loan application form from our website
  • Submit the duly filled form to your nearest branch
  • Pay home loan processing fee
  • Get home loan approval

3) What is the maximum home loan that I can get?

Aditya Birla Housing Finance provides home loans starting at an interest of 8% p.a. It offers home loan tenure as long as 30 years and maximum loan can be up to 90% of property's cost.

4) Is there a lower limit on the housing loan amount I can apply for?

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

5) Do I get tax benefits on housing loan?

As per sections 80C, 24(b) and 80EEA of the Income Tax Act, you are eligible to receive tax benefits on repayment of home loan principal and interest of your home Loan. Please consult your tax advisor for details.

6) What are the factors that determine home loan eligibility?

Given below are some of the crucial factors that determine your home loan eligibility:

  • Income of all applicants.
  • Age of the primary applicant
  • Other income, existing EMIs
  • Stability and continuity of the primary applicant's occupation
  • Repayment Capacity
  • Credit Score

7) Can I get approval for home loan without finalizing on my property?

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.

8) What is the process of getting a home loan?

ABHFL’s home loan application procedure is simple. Given below is a guide to home loan application process-

Step 1: Home Loan Application
Step 2: Loan Document Submission
Step 3: Legal & Technical Verification
Step 4: Home Loan Approval
Step 5: Home Loan Sanction
Step 6: Home Loan Disbursement

9) What are the different types of Home Loans available in India?

The following types of home loans are provided in India by Housing Finance Institutions:

  • 1. Home Construction Loan
  • 2. Home Loan for Plot Purchase and Construction
  • 3. Home Extension Loan
  • 4. Home Renovation Loan
  • 5. Construction Finance
  • 6. Loan Against Property

10) What is the maximum tenure allowed for repayment of your home loan?

ABHFL offers home loan tenure as long as 30 years and maximum loan can be up to 90% of property's cost.

11) How long will it take to process my home loan application?

Housing loans are processed within 15 working days of completing the documentation as required by ABHFL.

12) Who can be a co-applicant to my house loan?

All the co-owners of the residential property can be co-applicants to the housing loan.

13) Can I prepay my outstanding home loan amount?

You may prepay your housing loan before your home loan tenure is completed. Please note that there may be some prepayment charges on home.

14) Do I need a home loan guarantor?

No. You don’t require a guarantor for your housing loan. You will need a home loan guarantor in specific situations given below:

  • If the primary applicant has a weak financial position
  • If the applicant wants to borrow a housing loan which is more than his eligibility
  • If the applicant is earning less than the required minimum income

15) What do you mean by a home loan provisional certificate and how can I obtain one?

A home loan provisional certificate is your home loan account given by your lender. Home loan provisional statement is a summary of the principal amount and interest repaid by you towards your house loan for the given financial year.

16) Is taking home loan insurance from your lender compulsory?

Taking Home loan insurance is not compulsory. It is however suggested that you may take insurance to protect yourself against any unexpected circumstances.

Toll free (Within India):


Timings – 9am to 9pm

Email on:

If your query hasn't been resolved, you can
write to the ABHFL CEO desk by filling the form

Choose your nearest location
Locate Us

Branch Timings – 10 am to 6 pm
(Lunch – 1 pm to 1.30 pm)
Holidays - Every 1st & 2nd Saturday & all Sundays