Aavas Home Loan Interest Rate
Aavas Home Loan Interest Rate
Aavas Financiers has emerged as one of the preferred choices for potential home loan borrowers due to minimum documentation and reasonable interest rates. The lowest Aavas Bank home loan interest rate begins at 8.50% per annum and might go as high as 17% per annum. Check out the tables below to understand the Aavas home loan interest rate 2025:
Aavas 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
Aavas Bank Home Loan Key Highlights
Amount of Loan
Up to 90% of the property value
Rate of Interest
10.50% p.a. onwards
Processing Fees
Upto 2%
Max Tenure for Loan Repayment
25 years
| Loan Category | Rate of Interest on Home Loan |
|---|---|
| Salaried Applicants | 8.50% - 17% per annum |
| Self-Employed Applicants | 8.50% - 17% per annum |
Standard Home Loan Rates of Interest for Salaried and Self-Employed Applicants
Repo Linked Lending Rate (RLLR)
| Loan Category | Rate of Interest on Home Loan (p.a.) |
|---|---|
| All Loan | 8.50% - 17% per annum |
Aavas Home Construction Loan Interest Rates
| Loan Slab | Rate of Interest on Home Loan (p.a.) |
|---|---|
| All Loans | 8.50% - 17% per annum |
Top-Up Loans Interest Rates
| Loan Category | Rate of Interest on Home Loan (p.a.) |
|---|---|
| Top-Up for Existing Bank Customers | 8.50% - 17% per annum |
Interest rates were last updated on 1st July 2025
Aavas Home Loan Interest Rates for All Schemes in India
Aavas Financiers offers easy home loans to those interested in buying or constructing a home or renovating or improving an existing home. Then, there are flexible top-ups and balance transfer housing loan schemes too. To understand the types of home loan schemes available at Aavas Financiers, we suggest you go through the table below:
| Aavas Bank Home Loan Schemes | Rates of Interest for Each Plan |
|---|---|
| Aavas Home Loan | 8.50% - 17% per annum |
| Aavas Home Construction Loan | 8.50% - 17% per annum |
| Aavas Home Improvement Loan | 8.50% - 17% per annum |
| Aavas Home Loan Balance Transfer | 8.50% - 17% per annum |
| Aavas Small Ticket Size (STS) Loan | 8.50% - 17% per annum |
| Aavas Cash Salaried Plus Loan | 8.50% - 17% per annum |
Aavas Home Loan Interest Rates for Balance Transfer, Top Up and Overdraft
Aavas Financiers Ltd. offers three interesting and convenient facilities to help customers make the most of their home loans. Continue reading to learn about all these three schemes:
Aavas Bank Home Loan Top-Up
The second most popular scheme offered by Aavas Financiers Ltd. is the top-up plan. As the name suggests, it allows you to get cash on top of your loan amount without much hassle. The Aavas Bank home loan top-up interest rate starts at 8.50% per annum.
Aavas Bank Home Loan Overdraft Option
The Aavas overdraft facility on home loans comes as a big relief to those keen to get extra funds for personal or professional financial needs. With the Aavas OD facility, an existing home loan borrower can get extra money without applying for a new loan. The Aavas Bank overdraft facility is available at an interest rate of 8.50% per annum.
Aavas Bank Home Loan EMI Calculation 2025
| Loan Amount | Rate of Interest | EMI for 10-Year Loan Tenure | EMI for 20-Year Loan Tenure | EMI for 30-Year Loan Tenure |
|---|---|---|---|---|
| Rs. 10 lakh | 8.5% p.a. | Rs. 12,399 | Rs. 8,678 | Rs. 7,689 |
| Rs. 20 lakh | 8.5% p.a. | Rs. 24,797 | Rs. 17,356 | Rs. 15,378 |
| Rs. 30 lakh | 8.5% p.a. | Rs. 37,196 | Rs. 26,035 | Rs. 23,067 |
| Rs. 40 lakh | 8.5% p.a. | Rs. 49,594 | Rs. 34,713 | Rs. 30,757 |
| Rs. 50 lakh | 8.5% p.a. | Rs. 61,993 | Rs. 43,391 | Rs. 38,446 |
| Rs. 60 lakh | 8.5% p.a. | Rs. 74,391 | Rs. 52,069 | Rs. 46,135 |
| Rs. 70 lakh | 8.5% p.a. | Rs. 86,790 | Rs. 60,748 | Rs. 53,824 |
| Rs. 80 lakh | 8.5% p.a. | Rs. 99,189 | Rs. 69,426 | Rs. 61,513 |
| Rs. 90 lakh | 8.5% p.a. | Rs. 1,11,587 | Rs. 78,104 | Rs. 69,202 |
| Rs. 1 crore | 8.5% p.a. | Rs. 1,23,986 | Rs. 86,782 | Rs. 76,891 |
Disclaimer:
You just went through the estimated EMI payable at an 8.50% p.a. interest rate offered by the Aavas Bank. The figures mentioned in the above table are subject to change for different lenders, their tenures, and interest rates.
How to Calculate Aavas Home Loan Interest Rates?
Home loan EMI amount can be deduced by calculating the interest rate, and this can be quickly calculated using online EMI calculators like the one available here: EMI. Feel free to check the detailed estimate of the EMI payable for an Aavas home loan using this easy-to-use online EMI calculator.
Compare Aavas Home Loan Interest Rate with Top Banks
Do not apply for Aavas home loan just because we are recommending you. Compare the rate of interest and processing fee of Aavas with other prominent banks and financial institutions before making an informed decision. So, to help you in this regard, we are now highlighting the details of the interest rate and processing fees of the top contenders:
Aavas Bank Home Loan Balance Transfer
Aavas Financiers is one of the most popular lenders offering eligible applicants easy and quick home loans. One of the most popular schemes offered by this NBFC is the Aavas Bank Home Loan Balance Transfer. This plan aims to help customers transfer their outstanding home loan amount balance to Aavas's lower-rate-of-interest home loan schemes.
Aavas home loan balance transfer interest rates range between 8.50% and 17.00% per annum for all loans. Whether you are salaried or self-employed, you can easily apply for the Aavas Bank balance transfer home loan scheme. The easiest way to apply for the Aavas Balance Transfer home loan is mentioned below:
Visit the official BASIC Home Loan website and its Repay Right section - Repay Right
Now, enter the information in the provided form with details like your existing EMI paid on the loan amount, current outstanding loan amount, existing loan repayment tenure, existing rate of interest per annum, and new rate of interest per annum
Proceed ahead by clicking on ‘Next’ after filling in the details in the form
You will then be directed to the next page, where you can see your total savings with the Aavas Bank Home Loan Balance Transfer Scheme
The other easy way of learning in detail about the Aavas Financier Balance Transfer home loan is through the BASIC Home Loan team. Contact them for assistance in applying for this home loan from Aavas
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