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

Plot And Home Construction Loan

A plot plus construction loan is primarily meant for those who want to purchase a plot and build a house on that piece of land within the next few years. This kind of loan is disbursed in various installments.​​

Features and Benefits of Plot and Construction Loan

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.

  • Differential Loan Amounts & Tenures:

    We understand your needs are unique, and hence, we offer loan amounts varying Rs. 3-25 lakhs. Use our instalment calculator to choose a flexible repayment schedule for tenures raging up to 20 years. We have simple application and documentation processes to help you complete the formalities quickly.

  • Efficient Disbursal Process:

    Once the loan amount is approved, the amount is disbursed in phases. The first disbursal helps with purchasing the plot of land. Once the formalities of purchase are complete, the money for construction is disbursed.

  • Tax Benefits on Your Loan:

    You can claim deduction of up to Rs. 2,00,000 against interest paid from your gross income on our home loan products and as specified under Section 24(b) of the Income Tax Act, 1961. Under Section 80 (CCE) and 80C, the principal deductible amount is up to Rs 1,50,000 under.

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

Plot & Construction Loan Eligibilty

  • 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 %


  • 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

Fees for Plot & Construction Loan

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
  • 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 Plot Loan for Salaried and Self Employed

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 ​​​​​​

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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

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