✓ Home Loan from ₹2 Lakhs to ₹15 Crores ✓ Interest Rates Starting @ 8.50% Apply Now

Home loans are a great lending option that you can avail to become a proud owner of a house or apartment. Aditya Birla Home Finance helps you make this dream come true, providing competitive interest rates and a simplified home loan application procedure.

Provided by the Aditya Birla Capital Housing Finance Loan (ABCHFL), this housing loan facility is backed by the trust of a reputed financial organisation. Here are some of the Aditya Birla Housing Loan details:

Aditya Birla Housing Loan Details 

Interest Rate

9% p.a. onwards

Loan Tenure

Up to 20 years

Loan Amount

Up to 90% of the property’s value

Aditya Birla Housing Finance Interest Rate & Charges 2024

The following table presents the Aditya Birla Home Loan interest rate and other charges:

Particulars

Rates and Charges

Interest Rate 

9% onwards

Processing Fees

Up to 1% of the loan amount

Part-payment/Pre-payment Charges

2% of outstanding balance (except for home loan with floating rates)

Cancellation Charges (if any)

4% of the loan amount

Disclaimer: Aforementioned interest rates and other loan specifics are subject to change at the lender’s discretion.

Compare Aditya Birla Housing Finance Home Loan with Other Lenders

The following table presents interest rates offered on home loans offered by partner lenders on Bajaj Markets. You can compare these with the Aditya Birla Housing Finance rate of interest, and decide accordingly. 

Name of the Partner

Interest Rates

Bajaj Housing Finance Limited

8.50% p.a. onwards

Home First Finance Company

9.50% p.a. onwards

ICICI Bank

9.00% p.a. onwards

India Shelter

10.50% p.a. onwards

Kotak Mahindra Bank

9.00% p.a. onwards 

LIC Housing Finance

8.65% p.a. onwards

PNB Housing Finance Limited

8.50% p.a. onwards

Shriram Housing Finance

11.50% p.a. onwards

Shubham Housing Finance

10.90% p.a. onwards

Union Bank of India

8.50% p.a. onwards

Disclaimer: The interest rates mentioned are subject to change at the lender’s discretion.

Aditya Birla Housing Finance Home Loan EMI Calculator

Loan Amount
Tenure
Months
Rate of Interest
Home Loan
Your Monthly Home Loan EMI
Principal Amount
Total Interest
Total Amount Payable
Amortization Schedule
Download
Year EMI Principal Interest Balance

The tenure of Aditya Birla Housing Loan may extend up to 20 years, which is a huge financial commitment. So, before applying for a Aditya Birla Home Loan, it is better to know your repayment obligations on the loan.

An Aditya Birla Home Loan EMI calculator can help you determine your monthly outflow toward the loan. Having clarity about the EMIs can help you structure your budget accordingly.  

Using a home loan EMI calculator also helps you compare various loan offers. This way, you can even shift your existing loan to a lender offering affordable interest rates. All you have to do is opt for a home loan balance transfer facility.

Documents Required for Aditya Birla Housing Finance Home Loan

When you apply for Aditya Birla Finance Home Loan, you will be required to attach some documents along with the application form.

  • Proof of Identity: PAN card, Aadhaar card, Voter’s ID card, passport, or driving license

  • Proof of Age: Mark sheet from class 10th, birth certificate, driving license, bank passbook, passport, etc. 

  • Proof of Residence: Ration card, passport, Voter’s ID, bank passbook, utility bills, and LIC policy report

  • Proof of Income: Form 16, salary slips of the last two months, ITR for the last three years for salaried. Company’s balance sheet, profit and loss statement, business or professional license, business’ address proof of the business for the self-employed.

  • Property Documents: Buyer agreement or allotment letter, title deeds, sale agreement copy, etc.

Aditya Birla Housing Finance Home Loan Eligibility

To avail of this Aditya Birla Home Loan, you need to fulfil certain eligibility requirements. The following are some of the Aditya Birla Home Loan eligibility requirements: 

  • The minimum age of the applicant must be 18 years

  • For salaried employees, the maximum age to apply for Aditya Birla Home Loan is 60 years

  • Self-employed persons can apply for a home loan from Aditya Birla Housing Finance till the age of 70 years

Features and Benefits of Aditya Birla Housing Finance Home Loan

The following are some of the features and benefits of availing an Aditya Birla Home Loan:

Competitive Interest Rates

The Aditya Birla Finance home loan interest rate is quite competitive as compared to other financial institutions. You can get an Aditya Birla Home Loan starting from 9% p.a.

Quick Processing

Since the entire application and approval procedure can be carried out online, your loan is processed almost instantly.

Flexible Repayment Tenure

You can avail of a flexible Aditya Birla Housing Loan repayment tenure that can extend up to 20 years.

Doorstep Service

You can get an Aditya Birla Housing Loan by requesting to have an authorised representative visit you at your residence and process the loan.

Types of Home Loan Schemes Offered by Aditya Birla Housing Finance

The following are the types of home loan schemes available with Aditya Birla Housing Finance: 

  • Home Improvement Loan: An instrument to help you upgrade your home to match your unique style. 

  • Home Extension Loan: A loan to help you add the extra room, widen the backyard, or even put in a gym. 

  • Plot and Home Construction Loan: A simple solution to help you get the funds you need to build your dream home, as you see fit. 

How to Apply for Aditya Birla Housing Finance Housing Loan Online

To apply for the Aditya Birla Housing Loan online, follow these simple steps: 

  • Visit the official website of Aditya Birla Housing Finance

  • Click on the ‘Home Loan’ category of the top-down menu

  • Select the type of loan according to your financial requirement

  • Click the ‘Apply Now’ button to proceed

  • Fill in the application form and attach the required documents 

  • Click on the ‘Submit’ button 

  • The bank will review your application before approving your loan request

Aditya Birla Housing Finance Customer Care

For any query related to Aditya Birla Home Loan, you can reach out to Aditya Capital customer support by calling 1811-270-7000 or by sending an email to ‘care.housingfinance@adityabirlacapital.com’.

Conclusion

home loan is a smart option, and the Aditya Birla Home Loan is one you can trust. However, before you apply, compare the  home loan interest rate offered and pick a lender with the best terms. 

Disclaimer

The information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs for Aditya Birla Housing Finance Home Loan

Does Aditya Birla Housing Finance check CIBIL for a home loan?

Yes, Aditya Birla Housing Finance checks your CIBIL score before approving your home loan request.

What is the maximum loan tenure I can opt for under Aditya Birla Housing Finance Home Loan?

The maximum loan tenure available on an Aditya Birla Home Loan is 30 years.

 

Can I transfer my house loan from another bank to Aditya Birla Housing Finance?

Yes, you can apply for a home loan balance transfer facility with Aditya Birla Housing Finance. 

 

Can I club the income of my spouse with mine and apply for an Aditya Birla Housing Finance joint Home Loan?

Yes, you can club the income of your spouse with yours to apply for an Aditya Birla Housing Finance Joint Home Loan.

 

How do I repay my Aditya Birla Housing Finance home loan?

You can opt to have your EMIs paid automatically through the auto-debit feature, or you can manually pay your EMI via cheque or bank transfer. 

 

What is the maximum limit of an Aditya Birla Housing Finance Home Loan?

With the Aditya Birla Home Loan, you can get up to 90% of your property’s value as a home loan amount.

 

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