Aadhar Housing Finance Home Loan
Aadhar Housing Finance Home Loan
Aadhar Housing Finance offers affordable home loans aimed at the low-income segment, encouraging first-time buyers to own a house on economical terms. Rates start at 11.75% per annum and go up to 17% depending on the borrower profile. Processing fees are up to Rs. 3,500 plus taxes. Aadhar Housing Finance also lends without formal proof of income under certain schemes, at EMIs that are easy on the pocket.
Aadhar Housing Finance Home Loan
Built for Low-Income and Informal Borrowers
Aadhar lends where large banks often will not, and we help you make the case.
Lending Without Formal Income Proof
Under schemes such as Aadhar Gram Unnati, no income proof is required, and we help you document what you do have.
Loans up to Rs. 1 Crore
Aadhar lends across a wide ticket range, and we help you size the loan to what you can comfortably repay.
One Relationship Manager, Start to Finish
A dedicated BASIC expert handles your file end to end, not a rotating call centre.
Aadhar Housing Finance Home Loan EMI Calculator
Your Monthly EMI
₹ 77,530
Total Principal
₹ 1,00,00,000
Total Interest
₹ 86,07,174
Total Payable
₹ 1,86,07,174
Aadhar Housing Finance Home Loan Key Highlights
Get the lowest interest rates with Aadhar Housing Finance
Loan Amount: Up to Rs. 1 crore
Rate of Interest: 11.75% p.a. onwards
Processing Fee: Up to Rs. 3,500 + GST
Maximum Tenure for Repayment: 30 years
Aadhar Housing Finance Home Loan Interest Rates in 2026
Aadhar Housing Finance offers loans at rates set by borrower profile and product. The table below sets out the current Aadhar Housing Finance interest rates:
| Loan Slab | Interest Rate for Home Loan |
|---|---|
| Salaried Applicants | 11.75% - 16.50% per annum |
| Self-Employed Applicants | 12.75% - 17.00% per annum |
| Loan Against Property | 15.00% - 17.00% per annum |
Aadhar Housing Finance Home Loan Eligibility Criteria
When applying for a home loan from Aadhar Housing Finance, it is essential to meet specific eligibility criteria. The requirements are set out below:
For Salaried Individuals
Age Range (in years)
60 years or less at the end of the loan repayment tenure
For Self-Employed Individuals
Age Range (in years)
70 years or less at the end of the loan repayment tenure
Aadhar Housing Finance Home Loan Processing Fee and Charges
Aadhar Housing Finance charges a fee to process loan applications and to meet other expenses involved in the approval process. The table below sets out the processing fee and other charges:
| Processing Fee | Up to Rs. 3,500 + GST |
| Login Fee (non-refundable, payable at application) | Up to Rs. 3,500 + GST |
| Legal, Technical and Valuation Charges | Rs. 3,000 - Rs. 5,800 + GST |
| Administrative Charges | Rs. 5,100 or 1.5% + GST on the sanctioned amount, whichever is higher (home loan / top-up); up to Rs. 5,100 or 2% + GST (LAP / NIP / project loan) |
| Cheque / Direct Debit / ECS / ACH Bounce | Rs. 500 |
| Recovery Charges (legal, incidental, possession) | As per actuals + GST |
| Copy of Property Papers | Rs. 500 + GST |
| Charges for Handling of Documents | Rs. 2,000 + GST |
| Switch Fees | 3% (fixed to variable) + GST on outstanding; 1.5% (variable to fixed) + GST on outstanding |
| Insurance Charges | As per actuals |
| Documentation Charges | Rs. 2,000 - Rs. 5,000 + GST |
| CERSAI Charge Creation Charges | Rs. 100 + GST |
| Subsequent Technical Verification (construction cases only) | Rs. 500 + GST |
| Conversion Fees | 0.5% of the principal outstanding and undisbursed amount, if any, at the time of conversion |
| Loan Cancellation Charges After Disbursement | Rs. 3,000 for sanctions up to Rs. 10 lakh; Rs. 5,000 for Rs. 10-25 lakh; Rs. 10,000 above Rs. 25 lakh |
Aadhar Housing Finance Home Loan Schemes and Top Plans
Aadhar Housing Finance offers a variety of schemes for customers looking for home loans at affordable EMIs. Listed below are the top plans:
- Loan amount up to Rs. 1 crore, not exceeding 80% of the registered cost or market value of the property, whichever is lower
- Tenure of 30 years for bank-salaried and 20 years for cash-salaried employees, subject to retirement age
- Individual and joint home loans available, with children, parents or spouse as co-applicants
- Loan amount up to Rs. 1 crore, not exceeding 80% of the cost of the property (75% above Rs. 75 lakh)
- Applicant should have a minimum of 3 years experience in the same domain, or an inherited business
- Monthly income of Rs. 10,000 or above
- Maximum tenure of 20 years, with age under 70 years at loan maturity
- Up to Rs. 1 crore for buying or constructing on a plot, not exceeding 60% of the registered plot cost and 80% of the construction cost
- Construction must take place within the period laid down by NHB guidelines
- Tenure of 30 years for bank-salaried and 20 years for cash-salaried and self-employed non-professionals
- Up to Rs. 1 crore, not exceeding 100% of the renovation cost certified by a chartered engineer or estimated by an Aadhar officer, whichever is lower
- Subject to a maximum of 80% of the market value of the property (75% above Rs. 75 lakh)
- Covers electrical work, doors and windows, flooring, water tanks, plumbing, grills and similar work
- Up to Rs. 1 crore, not exceeding 100% of the projected extension cost certified by a chartered engineer or an Aadhar officer
- Available for constructing new floors or adding rooms within the home premises
- Up to Rs. 25 lakh for salaried applicants and up to Rs. 1 crore against commercial or residential property
- Tenure of up to 15 years, restricted to retirement age for salaried and 70 years at maturity for self-employed applicants
- Available for a single applicant or with an immediate family co-applicant
- Useful for longer loan durations, higher outstanding amounts and lower rates on switching
- EMI payments can be made directly to Aadhar Housing Finance
- Loans from Rs. 2 lakh up to Rs. 1 crore
- Not exceeding 70% of the registered cost or 50% of the market value, whichever is lower
- Tenure of up to 15 years, based on retirement age for salaried and 70 years at maturity for self-employed applicants
- No income proof required to avail the loan facility
- No bias against the income or profession of the applicant
- Easy repayment options, available to government employees, Class 4 and 5 grade employees and small business owners
* Note: All of the above home loan plans are made available to applicants solely at the discretion of Aadhar Housing Finance, taking into consideration the earning and repayment capacity of the applicant.
Documents Required for Aadhar Housing Finance Home Loan
Aadhar Housing Finance requires applicants to submit a set of documents as part of the loan application. Below is the complete list:
| Proof of Income |
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| Other Required Documents |
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| Proof of Income |
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| Other Required Documents |
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| Identity & Address Proof |
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| Documents Related to Property |
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Apply for an Aadhar Housing Finance Home Loan Through BASIC Home Loan
You can apply online for an Aadhar home loan by following the simple steps below:
Apply Now on the BASIC Website
Head to the APPLY NOW section on the BASIC Home Loan website.
Share Your Requirement
Enter your name, contact details, loan amount and pincode, then submit the form.
We Take It Forward With Aadhar
The BASIC Home Loan team gets in touch and initiates a seamless home loan application process.
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