Axis Bank Home Loan comes with competitive interest rates and flexible repayment options, making it an attractive choice for homebuyers. With interest rates starting at 8.75% p.a. for salaried individuals and 9.10% p.a. For self-employed applicants, Axis Bank ensures affordable financing for purchasing, constructing, or renovating a home. The loan has high eligibility, minimal documentation, and customizable EMI options to suit different financial needs. Whether you're a first-time buyer or looking to refinance, Axis Bank Home Loan provides a seamless borrowing experience with quick approvals and dedicated customer support.

Axis Bank Home Loan Interest Rate Details 2025

Below is the table showing the home loan interest rate, maximum loan amount, tenure, and processing fee applicable to Axis Bank home loans.

Standard Home Loan Interest Rates( per Annum)

Note: Interest rates are subject to change at the bank's discretion. Check with the bank for the latest rates.

Different Schemes of Axis Bank Home Loans

Axis Bank is presently offering 7 types of home loans namely-

1. Axis Bank Asha Home Loan
2. Axis Bank Shubh Aarambh Home loan
3. Axis Bank Super Saver Home Loan
4. Axis Bank Fast Forward Home Loan
5. Axis Bank Home Loan Balance Transfer
6. Axis Bank Top-Up Home Loan 
7. Axis Bank QuickPay Home Loan 
8. Axis Bank 24x7 Home Loan Top-Up

Axis Bank Asha Home Loan

Axis Bank offers Asha Home Loans, an affordable home loan scheme for applicants with a minimum combined family income of Rs.8,000 per month. This loan can be used for purchasing ready, under-construction, or resale homes, self-construction, home repairs/extensions, and plot purchase + home construction.

Key Features:

• Loan Amount: Rs 1 lakh to Rs 35 lakh
• LTV Ratio: Up to 90% (for loans up to Rs.30 lakh)
• Tenure: 20 to 30 years

EMI Waiver Benefit:

Borrowers with a clear repayment history can get 12 EMIs waived—4 EMIs each at the end of the 4th, 8th, and 12th year. However, no more than 3 instances of 30+ days overdue are allowed, and dues should never exceed 90 days overdue.

• Part-prepayment is allowed as long as the loan tenure remains at least 4 years.

Axis Bank Shubh Aarambh Home Loan

Axis Bank's Shubh Aarambh Home Loan is designed for purchasing under-construction, ready, or resale homes, plot + construction, self-construction, and home extensions/improvements. Part-prepayment is allowed if the tenure remains at least 4 years.

Key Features:

• Loan Amount: Up to Rs 30 lakh
• Tenure: 20 to 30 years
• Balance Transfer: Available for existing home loan borrowers from other lenders

EMI Waiver Benefit:

Eligible borrowers with a clean repayment record receive 12 EMI waivers—4 EMIs each at the end of the 4th, 8th, and 12th year. The loan should not have more than 3 instances of 30+ days overdue, and dues should never exceed 90 days overdue.

Axis Bank Super Saver Home Loan

Super Saver Home Loan is an overdraft facility where borrowers can deposit surplus funds in a linked account and withdraw as needed within the approved limit.

Key Features:

• Loan Amount: Rs. 10 lakhs to Rs. 5 crore
• Tenure: Up to 20 years (+2 years moratorium for partially disbursed loans)

LTV Ratio:

• Up to Rs 30 lakh – 90% of the property cost
• Rs 30 lakh – Rs 75 lakh – 80% of the property cost
• Above Rs.75 lakh – 75% of the property cost

Axis Bank Fast Forward Home Loan

Axis Bank's Fast Forward Home Loan is designed for home purchase, plot + construction, self-construction, and home extensions/improvements. It also supports home loan balance transfer from other lenders. Part-prepayment is allowed if the tenure remains at least 10 years.

Key Features:

• Loan Amount: Rs 30 lakh and above
• Tenure: 20 to 30 years
• LTV Ratio:
• Rs 30 lakh – Rs 75 lakh – Up to 80% of property cost
• Above Rs.75 lakh – Up to 75% of the property cost

EMI Waiver Benefit:

Borrowers with a clean repayment record get 12 EMI waivers—6 EMIs waived after 10 years and another 6 after 15 years. The loan should not have more than 3 instances of 30+ days overdue, and dues should never exceed 90 days overdue.

Axis Bank Home Loan Balance Transfer

Axis Bank allows existing home loan borrowers to transfer their outstanding loan balance to avail of lower interest rates or extend their tenure.

Key Features:

• Loan Amount: Up to Rs 50 lakh
• Tenure: Matches the remaining tenure of the existing home loan. 

Axis Bank Top-Up Home Loan

Axis Bank offers Top-up Home Loans to existing home loan borrowers and balance transfer customers needing extra funds for personal or business expenses or property construction (residential/commercial).

Key Features:

• Loan Amount: Up to Rs 50 lakh
• Tenure: Matches the remaining tenure of the existing home loan
• Flexible Usage: Funds can be used for multiple financial needs without restrictions. 

Axis Bank QuickPay Home Loan

QuikPay Home Loan lets you repay a higher principal earlier, reducing monthly EMIs over time and helping you save on interest costs. Nil Prepayment charges. 

Key Features:

Loan Tenure - Up to 30 years

Axis Bank 24x7 Home Loan Top-Up

Axis Bank offers 24x7 Top-up Home Loans to existing home loan customers without requiring additional collateral. The loan can be used for personal or business needs and is instantly disbursed into the borrower's account.

Key Features:

• Loan Amount: Rs 20,000 – Rs 25 lakh
• Tenure: Up to 7 years or the remaining home loan tenure, whichever is lower. 

Eligibility Criteria for Axis Bank Home Loan

Below are the eligibility criteria that have been set for Salaried, self-employed, and professionals who want to avail Axis Bank Home loan -

For Salaried Individuals

• A stable employment history is required, preferably within government sectors or reputed private companies.
• Applicants must be between 21 and 65 years (or the age of retirement at loan closure).
• Essential documents include employment verification, income proof, and financial stability records to ensure a smooth application process.

For Professionals (Doctors, Lawyers, CAs, Management Consultants, etc.)

• Eligible to apply with an age limit of 21 to 65 years.
• Additional documentation, such as professional qualifications and proof of practice, may be required to establish credibility and repayment capacity.

For Self-Employed Individuals & Business Owners

• Entrepreneurs and business owners must demonstrate a stable income through tax returns and financial statements.
• Eligibility requires applicants to be over 21 years at loan initiation and under 65 years at loan closure.
• A strong financial record is crucial to support the application and ensure loan approval.

Documents Required to Apply for Axis Bank Home Loan

When applying for an Axis Bank Home Loan, it is essential to have all necessary documents ready. Below is a checklist of required documents:

COMMON DOCUMENTS-

1. Proof of Identity (Any one of the following)

• PAN Card
• Passport
• Voter ID
• Aadhaar Card

2. Proof of Address (Any one of the following)

• Utility Bills (Electricity, Water, Gas – Latest 3 months)
• Aadhaar Card
• Passport

3. Proof of Income

• For Salaried Individuals:
  • Last 3 months’ salary slips
  • Form 16 or the latest Income Tax Return (ITR)
• For Self-Employed Individuals:
  • Last 2-3 years’ Income Tax Returns (ITR) 
  • Bank statements for the last 6 months

4. Property Documents

• Sale Agreement
• Title Deed (Ownership Proof)
• Approved Building Plan

5. Employment Details

• Employment Certificate (for salaried applicants)
• Income Tax Returns (ITR) (for verification of financial stability)

Having these documents ready ensures a smooth and hassle-free home loan approval process.

Calculate your Monthly Axis Bank Home Loan EMI

You can calculate the EMI with the help of the Wishfin Axis Bank Home Loan EMI Calculator. You can use this tool to calculate your EMIs on a home loan, simply by putting up the three details - 

1. Loan Tenure 
2. Loan Amount 
3. Interest Rate 

Suppose - You want to avail a home loan from Axis Bank for 10,00,000 for the tenure of 30 years, the bank has the interest rate on home loans starting from 8.75% p.a. for the salaried and 9.10% p.a. for the self-employed. In the table, we are taking both the interest rates for tenures from 5 years to 30 years. Look at the table carefully to understand better -

Fees/ Charges on Axis Bank Home Loan

Benefits of Axis Bank Housing Loan

• Low Interest Rates - The interest rate is the most important thing that an individual looks for in a home loan facility. Axis Bank Home Loan Interest Rates range from 8.75% to 9.15% per annum. Lower interest rates help you decrease the EMI amount.

• Go for Balance Transfer with Ease - Struggling with an existing high-interest Home Loan and finding ways to get out of it? Well, you can easily transfer your existing loan balance to Axis Bank Home Loan at affordable interest rates without any hassle. You will only need to pay the Balance Transfer Fee to opt for this facility, which will depend on your overall loan amount.

• Avail Doorstep Services - Want the convenience of applying for the home loan from your doorstep only? The bank offers the best services to its customers, so you can apply for this from your residential space or office. You just need to apply for it,t and the representatives of Axis Bank will visit you and tell you about all the related details. You can also submit the application form and other required documents to the representatives.

• No Prepayment Charges - Axis Bank doesn’t charge any prepayment charges if you want to repay your loan amount before the original loan tenure. By prepaying the loan amount, you can reduce your interest amount considerably. The Nil prepayment charges will only be on the loan facility at floating rates of interest.

• Flexible Repayment of Loan - With the repayment tenure up to 30 years, Axis Bank ensures that you can choose the repayment schedule that fits your budget. You can choose the tenure according to your repayment capacity and monthly income. A longer repayment tenure will also help you in paying smaller EMIs, but will increase your interest burden. Whereas, shorter tenures reduce the interest outgo but can raise the EMI. So, choose a tenure that keeps your interest obligations in check while also ensuring the EMI is affordable at the same time.

• Earn eDGE Loyalty Points - A borrower can gain 500 to 2000 points from the time of loan disbursal to the completion. The points vary according to the disbursed loan amount. You can utilize these reward points for various purposes such as recharge, hotel bookings, flight bookings, online shopping, and many others.

Do’s and Don’ts While Applying For the Axis Bank Home Loan

Dos: -

• Research Thoroughly: Evaluate property prices, builder credibility, project approvals, and loan terms like interest rates and fees.
• Plan for Expenses: Account for down payment, processing fees, stamp duty, and registration costs.
• Keep Documents Ready: Ensure salary slips, ITR, property agreements, and registration documents are in place.
• Maintain a Good Credit Score: Pay bills on time and manage credit responsibly to secure better loan offers and lower interest rates.

Don’ts:

• Avoid Multiple Applications: Applying on multiple aggregator sites may label you as "loan-hungry," reducing approval chances.
• Limit Borrowing: Avoid excessive loans (personal, auto, etc.) before applying, as it impacts eligibility.
• Use Credit Wisely: High credit utilization and late payments can negatively affect your credit score.
• Borrow Within Means: Choose a loan amount that aligns with your repayment capacity to prevent financial stress.

Axis Bank Home Loan Application Status

You can check the status of your loan application online. When you apply through Wishfin, you are free to ask any questions related to your home loan application. The executives will make sure you are aware of the application status and get the approval as soon as possible.

Online Steps - 

• Step 1: Apply – Fill out the home loan application with accurate details.
• Step 2: Pay Fee – Submit the processing fee for application validation.
• Step 3: Upload Documents – Use the online portal to submit required documents.
• Step 4: Loan Approval – Receive a sanction letter with loan details.
• Step 5: Property Check – The property undergoes legal and valuation verification.
• Step 6: Disbursement – The Loan is disbursed upon successful verification.

Conclusion

Axis Bank Home Loan stands out as a flexible and affordable financing option for homebuyers, offering competitive interest rates, high loan eligibility, minimal documentation, and one of the best home loans in India. With various loan schemes like Asha Home Loan, Shubh Aarambh Home Loan, Super Saver Home Loan, and QuickPay Home Loan, the bank caters to diverse financial needs, whether for purchasing, constructing, or refinancing a home. The added benefits of EMI waivers, balance transfer options, and zero prepayment charges enhance its appeal. With a seamless online application process, dedicated customer support, and doorstep services, Axis Bank ensures a hassle-free home loan experience, making homeownership more accessible and convenient for borrowers.

FREQUENTLY ASKED QUESTIONS

1. What is the latest Axis Bank home loan interest rate?

2. How to apply for an Axis Bank home loan online?

3. What are the different types of Axis Bank home loans?

4. What is the maximum home loan tenure in Axis Bank?

5.How long does it take for an Axis Bank home loan?

6. What is the Axis Bank home loan processing fee?

7. What is the minimum CIBIL score for Axis Bank home loan?

8. What is the minimum home loan amount in Axis Bank?

9. What is the maximum limit of an Axis housing loan?