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Finance up to 90% of the cost and secure your dream home with easy-to-manage monthly payments.
Attractive interest rates Easy & flexible eligibility norms Tenure of up to 30 yearsYEARS OF EXCELLENCE
BRANCHES ACROSS INDIA
AUM AS OF DEC, 2023
Choose from multiple repayment options you are eligible for such as Step-up, Step-down, and Extended tenure.
Invest in your future since your home isn't just a place to live but also an appreciating asset.
Enjoy quick and transparent loan application and disbursal process from ABHFL. No surprises, no hidden charges.
Reduce debt proactively with our floating-rate home loans. Make early payments without penalties and become debt-free on your terms.
Get Instant Digital Sanction for your top-up home loan applying at your convenience anytime anywhere on ABCD app.
Save taxes on both the principal amount as well as the interest paid every year under sections 80C, 24(b) and 80EEA of the Income Tax Act.
We make repaying the loan very easy and convenient with these customisable repayment options.
Step-Up Home LoanProvide higher loan amounts that start with lower EMIs that gradually increase, easing the initial financial burden. It is suitable for younger buyers who are expecting rising incomes over time
Step-Down Home LoanStarts with higher EMIs that decrease over time. It is beneficial for those who have a higher current income but are nearing their retirement.
Extended Period Home LoanOffers the flexibility of longer repayment periods with reduced EMIs for professionals working in top corporates nearing retirement.
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Find out the interest payable on the home loan so that you can plan your repayments effectively.
For Salaried/SEP| Loan Type | Interest |
|---|---|
| Regular HL (Any Amount) | 8.60% to 11.85% |
| Informal HL (Upto 50 lakhs) | 11.25% to 17.00% |
| Loan Type | Interest |
|---|---|
| Regular HL (Any Amount) | 8.75% to 12.35% |
| Informal HL (Upto 50 lakhs) | 11.50% to 17.25% |
Apply on ABCD app to get digital sanction
Complete process with assigned RM from ABHFL
Get loan sanction
Sign loan agreement
Disbursement in your account
Sign loan agreement
Disbursement in your account
Are you eligible for a home loan? Check whether you meet the criteria.
| Product | Processing Fees (% of Loan Amount) |
|---|---|
| Regular HL | 0.25% to 1.50% |
| Pragati HL | 0.25% to 2% |
| Informal HL | 0.25% to 2% |
Disclaimer: The 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 will be subject to changes from time to time
| Name of Fee/Charge levied | Transactions & Charges in Rupees |
|---|---|
| Revision of fixed rate to floating and vice-versa/ revision in loan interest rate/ tenure at discretion of abhfl | 2% of the loan outstanding |
| Loan re-schedulement (at discretion of abhfl) charges | 0.50% on principal outstanding amount |
Disclaimer: The 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 will be subject to changes from time to time
| Name of Fee/Charge levied | Transactions & Charges in Rupees |
|---|---|
| • Stamp Duty • Legal and other statutory charges • Insurance Premium • Creation charge with ROC • MOE/MOD/Registration | As per state laws, where applicable |
Disclaimer: The 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 will be subject to changes from time to time
• Part Payment / Pre-closure is allowed after 12 months from final loan disbursement date
Lock-in charges:
• 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.
Disclaimer: The 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 will be subject to changes from time to time
24% p.a. i.e 2% per month on overdue amount
Rs 750/- per instance
Rs 200/- per loan account
Disclaimer: The 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 will be subject to changes from time to time
Passport/ Aadhaar Card/ Voter's ID/ Driving License/ Job Card issued by NREGA/ Registration certificate/ PAN card (PAN Card only as identity proof)
Latest 3 months salary slip showing all deductions and Form 16
Latest 6 months
Rental receipts or documents showing receipt of income
Copy of Title documents and approved sanction plan
Passport/ Aadhaar Card/ Voter's ID/ Driving License/ Job Card issued by NREGA/ Registration certificate/ PAN card (PAN Card only as identity proof)
IT Returns or financial documents for the last 2 years and computation of income certified by a CA for the last 2 years
Latest 6 months
Rental receipts or documents showing receipt of income
Copy of Title documents and approved sanction plan
Don’t just take our word for it. Hear from our customers about their successful financial journey with us
Aditya Birla Housing Finance Customer
Seamless onboarding experience and great support provided by the Relationship Manager during the documentation process.
Mr. B. NarsimuluAditya Birla Housing Finance Customer
Aditya Birla Housing Finance Customer
I appreciate the online documentation process which helped in ease of my loan process. I could get loan information through WhatsApp and other digital platforms.
Mr. Vikram Balu GavaliAditya Birla Housing Finance Customer
Different financial needs, different loans, one app - ABCDLooking for a home loan? Apply online with the ABCD app and get a quick loan. Move into your dream home with a hassle-free loan process.
Seamless digital application Check your EMIs to assess the affordability Different loan options for different needs Download our mobile app now
Scan the QR code to download our Mobile App
ABHFL will determine your home loan eligibility based on your repayment capacity and the value of the property you are purchasing. Your repayment capacity is assessed based on the following factors:
Once ABHFL has assessed your repayment capacity, it will determine the maximum loan amount that you are eligible for. The maximum loan amount is typically capped at 90% of the property value.
The following self-attested documents are required for home loan approval:
For Salaried Individuals:
For Self-employed / Professional / Partnership / Company:
ABHFL may request additional documents to process your loan.
You must submit all required documents along with your loan application form.
ABHFL requires a mortgage on the property for which the loan is being taken. This means that you will need to pledge the property as collateral for the loan. The title of the property must be clear, marketable, and free from any encumbrances, as certified by an ABHFL-approved advocate. This is done to protect both your interests and ABHFL’s interests. In addition to the title search report, you will also be required to submit a valuation report. Additional security may be required if the aforementioned criteria are not met.
The maximum tenure for a home loan from ABHFL is 30 years. However, the tenure cannot exceed the borrower's retirement age or 60 years, whichever is earlier.
Our Other Plans Balance TransferTransfer your home loan to us for a better rate
Top-Up Home LoanGet a loan against your existing home loan
Loan Against PropertyGet instant money with your property as collateral
*The interest rate constitute the rack rate for all customers. Actual interest rate for any customer and will be as communicated at the time of loan sanction and disbursal. It will be subject to changes from time to time and is at sole discretion of ABHFL.
**ABHFL reserves the rights to call upon additional documents at its discretion. The documents will be collected by ABHFL.
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CIN- U64990MH2023PLC399485, IRDAI Registration Number - CA0871, AMFI Registration Number - ARN-270149
ADITYA BIRLA CAPITAL DIGITAL LIMITED (“ABCDL”) is a corporate agent of Aditya Birla Sun Life Insurance Company under IRDAI Registration No: CA0871 and does not underwrite the risk or act as an insurer.
Registered Address: Aditya Birla Capital Digital, One World Center, Tower 1, Jupiter Mills Compound,841 Senapati Bapat Marg, Elphinstone Road Delisle Road, Mumbai Maharashtra 400013.
Participation by the ABCD’s clients in the insurance products is purely on a voluntary basis.
The trade logo “Aditya Birla Capital” displayed above is owned by ADITYA BIRLA MANAGEMENT CORPORATION PRIVATE LIMITED (Trademark Owner) and used by ADITYA BIRLA CAPITAL DIGITAL LIMITED (ABCDL) under the license.
This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI).
Mutual fund investments are subject to market risks. Please read all scheme related documents carefully before investing. Past performance of the schemes is neither an indicator nor a guarantee of future performance.
Terms & conditions and Privacy policy of website and app are applicable
BEWARE OF SPURIOUS / FRAUD PHONE CALLS!IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
Our Subsidiaries/Associate CompaniesToll Free Number
CIN - U64990MH2023PLC399485, IRDAI Registration Number - CA0871, AMFI Registration Number - ARN-270149
ADITYA BIRLA CAPITAL DIGITAL LIMITED (“ABCDL”) is a corporate agent of Aditya Birla Sun Life Insurance Company under IRDAI Registration No: CA0871 and does not underwrite the risk or act as an insurer.
Registered Address: Aditya Birla Capital Digital, One World Center, Tower 1, Jupiter Mills Compound,841 Senapati Bapat Marg, Elphinstone Road Delisle Road, Mumbai Maharashtra 400013.
Participation by the ABCD’s clients in the insurance products is purely on a voluntary basis.
The trade logo “Aditya Birla Capital” displayed above is owned by ADITYA BIRLA MANAGEMENT CORPORATION PRIVATE LIMITED (Trademark Owner) and used by ADITYA BIRLA CAPITAL DIGITAL LIMITED (ABCDL) under the license.
This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI).
Mutual fund investments are subject to market risks. Please read all scheme related documents carefully before investing. Past performance of the schemes is neither an indicator nor a guarantee of future performance.
Terms & conditions and Privacy policy of website and app are applicable
BEWARE OF SPURIOUS / FRAUD PHONE CALLS!IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
© 2023, Aditya Birla Capital Ltd. All Rights Reserved.
