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Home Loan
Axis Bank is one of India’s most trusted private-sector banks headquartered in Mumbai, known for fast loan approvals, transparent processing, and customer-first home loan solutions.
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NEVER BEEN SO EASY
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🏡 Axis Bank Home Loan – Smart, Fast & Budget-Friendly Home Financing with PoketCare
Axis Bank Home Loan Types & Features
Your dream home becomes affordable, simpler, and faster with India’s trusted banking partner.
Axis Bank offers simple and flexible home loan solutions designed for everyone—salaried, business owners, and NRIs. Here’s a quick comparison of the most important features to help you choose confidently.
🧾 All Types & Features Table
| Home Loan Type | Floating Interest Rate (Approx.) | Fixed Interest Rate (Approx.) | Max Tenure | LTV | Loan Amount |
|---|---|---|---|---|---|
| Regular Home Loan | 8.70%–9.60% p.a. | 9.90%–10.50% p.a. | Up to 30 years | Up to 90% | ₹5 lakh – ₹5 crore+ |
| Balance Transfer | 8.70%–9.50% p.a. | 9.90%–10.40% p.a. | Up to 30 years | As per existing loan | ₹5 lakh – ₹5 crore |
| Top-Up Loan | 9.20%–11.50% p.a. | — | Up to 20 years | Based on property value | ₹1 lakh – ₹1 crore+ |
| Plot + Construction Loan | 8.80%–9.70% p.a. | 9.95%–10.60% p.a. | Up to 30 years | Up to 80% | Based on project cost |
| NRI Home Loan | 8.90%–9.80% p.a. | 10.10%+ | Up to 30 years | Up to 85% | ₹10 lakh – ₹5 crore+ |
✨ PoketCare Pro Tip
Always compare fixed vs floating rates before deciding. Floating is ideal for long tenures, while fixed suits short-term stability seekers.
🧩 Loan Types That Fit Borrower Profiles
Different borrowers have different financing needs. Axis Bank personalises home loans based on your income pattern, family structure, and repayment comfort.
🎯 Best Fit Match
- Salaried Individuals: Regular Home Loan / Balance Transfer
- Self-Employed: Top-Up Loan / Plot + Construction Loan
- NRIs: NRI Home Loan
- Higher Eligibility Needed: Add co-applicant + balance transfer + top-up combo
- Building a house: Plot + Construction Loan
✨ PoketCare Pro Tip
Add spouse/parents as co-applicant to increase your eligibility instantly—Axis Bank allows combined income for higher loan amounts.
🛡️ Home Loan Insurance Recommendation
Home loan insurance keeps your family financially protected during unforeseen events. Axis Bank offers multiple protection plans to secure your loan liability fully.
✔ Recommended Insurance Plans
- Axis Bank Loan Protection Plan (Max Life / HDFC Life)
- Property Insurance for fire, theft & natural calamities
✨ PoketCare Pro Tip
Always choose single premium insurance clubbed with loan disbursement to avoid annual renewals.
👤 Ideal Borrowers & Eligibility Criteria
Axis Bank evaluates your income, age, profession, credit score, and banking habits to finalize your loan eligibility. Here’s the simplest breakdown.
✔ Who Can Apply?
Salaried, Self-employed, NRIs applicants with co-borrowers.
✔ Eligibility Criteria
- Age: 21–65 years
- Minimum income: ₹25,000/month
- Preferred CIBIL score: 700+
- Co-applicant allowed
- Additional income considered: rent, incentives, variable pay, business income, agricultural income, NRI remittance
✨ PoketCare Pro Tip
Maintain strong banking habits for 6 months to improve loan approval speed.
📑 Required Documents Checklist to apply online
Axis Bank keeps documentation simple and digital. Here’s a clean table for all borrowers.
Documents Checklist
| Borrower Type | KYC | Income Documents | Property Documents |
|---|---|---|---|
| Salaried | Aadhaar, PAN, Address Proof | Salary slips (3–6 months), Bank statements (6 months), Form 16 | Sale agreement, Allotment letter, Property tax, Approved plan |
| Self-employed | Aadhaar, PAN, Address Proof | ITR (2–3 years), Profit & Loss, Balance Sheet, Bank statements | Title deed, NA order (if any), Valuation report |
| NRIs | Passport, Visa, Overseas Address Proof | Salary slips / Employment contract / NRE-NRO bank statements | Property documents as required by local authority |
✨ PoketCare Pro Tip
Upload clean, high-resolution PDFs—unclear documents often delay approval by 24–72 hours.
All Charges (Pre & Post Disbursement of Home Loan)
Knowing the charges upfront helps you avoid last-minute surprises. Axis Bank maintains transparent fees across all stages.
💸 Charges Details
| Charge Type | Amount / Range |
|---|---|
| Processing Fee | 0.25% – 1% of loan amount |
| Legal & Technical Fee | ₹5,000 – ₹15,000 |
| Documentation Charges | ₹2,500 – ₹5,000 |
| MODT (if applicable) | 0.1% – 0.3% |
| Prepayment (Floating) | NIL |
| Prepayment (Fixed) | 2%–3% |
| Penal Interest | 2% per month |
| EMI Bounce | ₹500 – ₹750 |
| Statement / Duplicate Copy | ₹200 – ₹500 |
✨ PoketCare Pro Tip
Always choose floating rate if you want zero prepayment charges & flexible repayment freedom.
🎁 Benefits of Axis Bank Home Loan
Axis Bank home loans give unbeatable flexibility, lower EMI load, and smarter features to make homebuying easier than ever.
⭐ Key Benefits
🏦 Competitive interest rates
📝 Fully digital processing
🕒 Quick approval & disbursement
🧾 Flexible tenure up to 30 years
👨👩👦 Higher eligibility with co-applicant
🔄 Balance transfer savings
💳 Top-up for renovation/expenses
📉 No prepayment charges on floating rate
✨ PoketCare Pro Tip
Use PoketCare’s AI comparison tool to find the lowest rate + maximum eligibility in seconds.
🔗 Useful Links for Home Loan Borrowers
🧮 Home Loan EMI Calculator
📈 CIBIL Score Check
🔁 Balance Transfer Calculator
🏠 Property + Construction Loan Guide
📘 PMAY Benefits (If Applicable)
🏁 Conclusion
Axis Bank Home Loan is one of India’s most reliable and borrower-friendly home financing options. With PoketCare’s AI-backed comparison, expert guidance, and paperless process, you get maximum loan eligibility, faster approval, and the best interest rate—all in one place.