Axis Bank Home Loan
Axis Bank Home Loan
Axis Bank Home Loan
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Axis Bank 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
Axis Bank Home Loan Key Highlights
Loan Amount Up to Rs. 5 crores
Rate of Interest Starts at 7.95% per annum (Floating) and 14% per annum (Fixed)
Processing Fee Up to 1% of the total loan amount + GST (Minimum of Rs. 10,000)
Maximum Tenure for Repayment 30 years (Floater) and 20 years (Fixed)
Penal Rate of Interest 24% per annum
Rate Packages Fixed / Floater
Charges for Prepayment / Foreclosure Nil
Axis Bank Home Loan Interest Rates in 2026
Borrowers have to pay interest on home loans, which is often calculated on the basis of the rate package. Axis Bank home loans are offered at an interest rate starting at 7.95%. The table below enlists the Axis home loan interest rates for 2026:
| Loan Slab | Interest Rate for Home Loan |
|---|---|
| On Fixed Rate of Interest (Salaried) | 14% per annum |
| On Fixed Rate of Interest (Self Employed) | 14% per annum |
| On Floating Rate of Interest (Salaried) | 9.00% - 9.40% |
| On Floating Rate of Interest (Self Employed) | 9.10% - 9.40% |
| Repo Rate + Spread (Salaried) | Repo Rate + 2.6% to Repo Rate + 2.9% |
| Repo Rate + Spread (Self Employed) | Repo Rate + 2.5% to Repo Rate + 2.9% |
Axis Bank Home Loan Eligibility Criteria
Every bank and NBFC has different eligibility criteria for applicants keen to apply for a home loan. Some of the general Axis Bank home loan eligibility criteria include age, type of employment, nationality, and loan repayment capability of the applicant. The table below enlists the Axis Bank housing loan eligibility criteria:
For Salaried Individuals
Age Range (in years)
21 years – 60 years
Nationality
Indian Residents/ NRIs
Minimum Income Earned
For Self-Employed Individuals
Age Range (in years)
21 years – 65 years
Nationality
Indian Residents/ NRIs
Minimum Income Earned
Axis Bank Home Loan Processing Fee and Charges
Usually, all banks and NBFCs charge some fees to cover the costs and risks associated with a home loan application and processing procedure. Axis Bank home loan processing fee is up to 1% + GST, subject to a minimum amount of Rs. 10,000. The table below enlists other fees and charges levied by Axis Bank to those applying for home loans:
| Processing Fee | Up to 1% of the total loan amount + GST (Minimum of Rs. 10,000) |
| Charges of Cheque Bounce | Rs. 399 per instance |
| Re-Pricing Charges | Floater to Fixed 1% of outstanding principal with a minimum of Rs. 10,000 Fixed to Floater 2% of outstanding principal (Note: Not applicable for Axis Fast Forward and Shubh Aarambh Ho |
| Duplicate Statement Issuance Charges | Rs. 250 per instance |
| Issuance of Copy of Title Documents | Rs. 500 per document set |
| Stamp Duty and Statutory Charges | As applicable |
| Customer Initiated Requests for Document Copies | Rs. 500 per document set |
| Repayment Instruction or Instrument Return | Rs. 339 per instance |
| CERSAI Charges | Rs. 50 for loans up to 5 lakhs Rs. 100 for loans > 5 lakhs |
Axis Bank Home Loan Schemes and Top Plans
Axis Bank understands that different borrowers have different home loan needs. So, it has charted out a variety of home loan schemes for applicants to choose from. Check out the most popular Axis Bank home loan plans:
- Maximum loan amount of up to Rs. 30 lakhs
- Borrowers with a clean repayment record can get an EMI waiver for 12 EMIs
- Enjoy interest subsidy under the PMAY scheme
- Easy balance transfer facility available
- Enables the borrower to save more on loan interest
- Pay a higher principal amount in the early years of the loan tenure
- Easy balance transfer facility available
- No charges on prepayment or foreclosure
- Borrowers with a clean repayment record can get an EMI waiver for 12 EMIs
- Minimum loan amount of Rs. 30 lakhs
- Maximum loan repayment tenure of up to 30 years
- No charges on prepayment or foreclosure
- Loan amount of up to 90% of the property value
- Minimum loan amount Rs. 1 lakh
- Maximum loan amount up to Rs. 28 lakhs
- Smart option to get 12 EMIs waived based on the banking history
- Easy balance transfer facility available
- Hassle-free documentation procedure for quick loan disbursal
- The initial 2 years of the tenure will have a fixed rate of interest
- Enjoy interest subsidy under Pradhan Mantri Awas Yojana (PMAY)
- Loan amount starts from Rs. 50 lakhs
- Easy savings on the total payable loan interest
- No need to pay any prepayment or foreclosure charges
- Maximum loan repayment tenure of up to 22 years
- Offers interest subsidy on home loans
- Subsidy offered on home loans of tenure up to 20 years
- Maximum loan amount eligible to avail subsidy Rs. 9 lakhs (MIG-1), and Rs. 6 lakhs (LIG and EWS)
- Amazing benefits available for NRIs
* Note: All of the above home loan plans are made available to applicants solely at the discretion of Axis bank, taking into consideration the earning and repayment capacity of the applicant.
Documents Required for Axis Bank Home Loan
Have a look at the Axis Bank home loan documents required list below, and arrange for the same to get a home loan sanctioned within 5 days in an utterly trouble free process:
| Identity & Address Proof |
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| Documents Related to Property |
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| 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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Apply Home Loan Through BASIC Home Loan
Interested borrowers can apply for an Axis Bank home loan online through BASIC Home Loan using the simple procedure below:
Apply Now on the BASIC Website
Proceed to the 'APPLY NOW' section on the BASIC Home Loan website.
Enter Your Details and Submit
Fill in the form by entering your name, contact number, and other required details, and submit the form.
Our Expert Will Reach Out to You
A BASIC Home Loan team representative will connect with you shortly to assist you through the entire home loan application process.
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