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Dream of owning a house? Now it is possible with axis bank home loans

Dream of owing a house_(A) -min

Our affordable and flexible home loans are designed to help you get closer to the home of your dreams. Our mortgage accessibility calculator is based on your needs, such as B. Duration, loan amount and interest rate to give you an estimate of your NDE. Explore our wide range of products to get the most competitive interest rates on mortgages, long term loans and other benefits such as EMI exemptions.


Make your mortgage easy and affordable in your pocket every month with attractive mortgage rates

  • Choose your type of interest

Interest rates for fixed and variable mortgages according to your wishes.

  • Service at your doorstep

Take advantage of your mortgage or pay it off easily from home

  • Do not pay prepaid fees

No prepayment fees to pay off your mortgage before the due date

Eligibility criteria

Axis Bank home loans offer a number of advantages to help you realize your dream of homeownership. Find out below the eligibility criteria for the Axis Bank mortgage loan:

Employees eligible for mortgage loans

  • People in permanent service in government or reputable businesses meet the mortgage eligibility criteria.
  • Applicants must be over 21 years of age at the start of the loan and up to 60 years of age or retired, whichever comes first before the loan ends. You can check the amount you have to pay as an EMI with the EMI calculator for mortgages.

Professionals eligible for mortgage loans

  • Professionals (i.e. Doctors, engineers, dentists, architects, public accountants, cost accountants, company secretaries, and management consultants only) meet the eligibility criteria for Axis Bank mortgages.
  • Applicants over the age of 21 at the start of the mortgage and up to age 65 or younger at the time of the expiration of the mortgage meet our mortgage eligibility criteria.

Self-employed workers eligible for a mortgage

Any individual tax return can be applied.

Applicants must be over 21 years of age at the start of the mortgage and up to 65 years of age or under when the mortgage expires

Borrowing limits

Minimum – Rs. 3 lakhs

Documents required:

  • Compulsory Documents
    • Application form
    • PAN card


  • Identity proof

     Anyone of the following:

  • Passport
  • Aadhaar card
  • Driving license
  • Voter id
  • GOI issued photo id
  • employee id


  • Address proof :

Anyone of the following

  • Aadhaar card
  • Driving license
  • Voter id
  • GOI issued photo id
  • employee id
  • Electricity bill
  • Gas bill
  • Telephone bill ( landline)
  • Property tax receipt



  • Date of birth proof:

    Any of the following

  • PAN card
  • Aadhaar card with DOB
  • Passport
  • Driving license
  • Birth certificate
  • SSC mark sheet


  • Proof of income:

Any of the following

  • Salaried

 3 month proof of payment

  • Payment slip for 6 months / 2 years. Bonus test (with variable payment)
  • 6-month bank statement with salary credits
  • 2 years. Form 16 (or proof of continuity of work)
  • For NRIs employed
  • Payment receipt for 3 months
  • Letter of appointment/contract
  • Certificate of continuous download for shipping boxes
  • Declaration of the NRE / NGO a / c national 6 months
  • Declaration of an international salary of 6 months
  • Credit reports abroad
  • Copy of valid Visa / OCI card
  • Copy of passport
  • POA details
  • Independent
  • 2 years. ITR, calculation of income, profit and loss account, balance sheet with seal and CA sign
  • For Asha HL – 1 year. ITR, calculation of income, profit and loss account, balance sheet with seal and CA sign
  • Tax audit report (if gross sales exceed Rs 1 Cr or gross income exceeds 25 Lac)
  • 6-month bank statements from private and business accounts
  • If ITR is displayed without a digital sign: CPC and Jalá with taxes
  • Business continuity test (3 years for HL / 5 years for LAP)

Variable-rate loans linked to the external benchmark interest rate are calculated as follows:

  • The benchmark interest rate is the RBI repo rate (currently 5.15%).
  • The bank charges additional fees on the reference interest rate, called the spread, to reach the final loan rate
  • The interest rate of existing customers is reset every three months.
  • The bank checks the reference interest rate applicable at the beginning of the month and the difference. These prices are valid until the next revision

For loans with a loan rate based on marginal costs:

  • MCLR; the lending rate based on marginal costs is 8.10%.
  • MCLR rates are reset every six months.

For base rate / MRR / BPLR loans:

  • The current base rate of the bank is – 9.40%
  • The benchmark mortgage interest rate (MRR) is 14.15%.
  • The prime rate on preferential loans (BPLR) is 17.15%.


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