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 Interest Rates

The interest rate applicable to any particular kind of loan will be determined with reference to the following factors:

  • The rate of interest 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
  • The customer level credit risk premium as mentioned above shall be based on credit and default risk of the customer as assessed from profile & risk rating of customer, earning and repayment ability of the customer, nature ​and value of primary and collateral securities, repayment track record of the customers, external ratings of the customers , industry trends, Credit Bureau ratings amongst other factors
  • The rate of interests for the same product and tenor availed during same period by different borrowers need not be standardized. It could vary from borrower to borrower depending upon consideration of any or combination of above factors. The annualized rate of interest would be intimated to the customer. The interest rates would be offered on fixed, floating, variable basis. The reference rates, viz ARR for the floating rates would be reviewed on a periodic basis and revised interest rates will be intimated to the customer. .The ARR is determined by a combination of customer segment, customer profession and product and is determined from time to time basis decision in Asset Liability Management Committee.
  • In case of staggered disbursements, the rate of interest would be subjected to review and the same may vary according to the prevailing rate at the time of disbursement or as may be decided by the Company
  • Besides normal interest, the company may levy additional/penal interest for delay or default in making payments of any dues. These additional or penal interests may vary for different products.

Floating Rate Loans

Home Loans Salaried Self Employed
Rate of Interest 8.50% to 13.00%
9.25% to 13.50%
Non Home Loan Rate of Interest
Loan against property 9.50% to 16.50%
Lease rental discounting 10.00% onwards

ABHFL Reference Rate (ARR) is between 12.70% to 18.30% (effective from 12th October 2022)
Disclaimer- All loans will be at the sole discretion of ABHFL 
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