Axis Bank Home LoanEMI Calculator
Calculate your monthly EMI instantly with Axis Bank's latest interest rates. Plan your home loan with confidence using our advanced calculator.
Current Axis Bank Rates
Lower than market average
Min ₹10,000 • Max ₹50,000
Min ₹1L
Min 1 years
Calculate Your EMI
Use our advanced calculator to plan your home loan with Axis Bank's latest rates
Axis Bank Home Loan
Axis Bank offers innovative home loan products with special schemes like Shubh Aarambh for first-time buyers and exceptional benefits for women borrowers. Known for digital innovation and customer-centric approach.
Key Features
- Interest rates from 8.75%
- 12 EMI waiver on bundled life insurance for women
- Shubh Aarambh - 6 EMI holidays for first-time buyers
- Fast Track approval in 72 hours
- Super Save Home Loan with interest savings
- Balance transfer facility with top-up
- Part prepayment without charges
- Doorstep service available
- Digital loan journey through mobile app
Interest Rates & Fees
EMI Calculator
EMI Details
Monthly EMI
₹44,826
Principal Amount
₹50,00,000
Total Interest
₹57,58,240
Total Amount Payable
₹1,07,58,240
Payment Breakdown
Eligibility Criteria
- Age: 21 to 65 years (salaried), 21 to 70 years (self-employed)
- Minimum income: ₹18,000 per month
- Employment: 2 years total, 1 year current job
- Credit Score: 650 and above (750+ for best rates)
- Joint application with family members allowed
Documents Required
- Identity and address proof (Aadhaar, PAN)
- Income proof documents (Salary slips, Form 16, ITR)
- Employment proof (ID card, appointment letter)
- Bank statements (6 months)
- Property related documents
- Photographs
- Processing fee cheque/DD
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Why Choose Axis Bank Home Loan?
Frequently Asked Questions
Everything you need to know about Axis Bank home loans
What is the current home loan interest rate for Axis Bank?
Axis Bank currently offers home loan interest rates starting from 8.75% and going up to 9.15% per annum. The exact rate depends on various factors including:
- •Your Credit score (750+ preferred)
- •Loan amount and loan-to-value ratio
- •Employment type (salaried/self-employed)
- •Property location and type
How much home loan can I get from Axis Bank?
Axis Bank offers home loans ranging from ₹1 lakhs to ₹5 crores. Your eligibility depends on:
Eligibility Criteria:
Salaried Individuals:
- • Age: 21-65 years
- • Min income: ₹25,000/month
- • Work experience: 2+ years
Self-Employed:
- • Age: 25-70 years
- • ITR: 3+ years
- • Business stability: 5+ years
What is the processing fee for Axis Bank home loan?
Axis Bank charges a processing fee of 0.5% of the loan amount:
Note: This is a one-time non-refundable fee. Some banks offer processing fee waivers during festive seasons.
Can I prepay my Axis Bank home loan?
Yes, Axis Bank allows both partial and full prepayment of home loans:
Floating Rate Loans:
No prepayment charges as per RBI guidelines
Fixed Rate Loans:
May attract 2-4% prepayment penalty
Pro Tip: Making even small prepayments can save significant interest. A ₹50,000 annual prepayment on a ₹50L loan can save ~₹15L in interest!
What documents are required for Axis Bank home loan?
Axis Bank requires the following documents for home loan application:
Identity & Address Proof
- ✓PAN Card (Mandatory)
- ✓Aadhaar Card
- ✓Passport/Driving License
Income Documents
- ✓Income proof documents (Salary slips, Form 16, ITR)
Note: Additional documents may be required based on employment type and property details.
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Expert Tips for Home Loan Success
Maximize your savings and get the best deal on your Axis Bank home loan
Before Applying
Check Credit Score
Aim for 750+ for best rates
Save up to 0.5% on interest
Calculate Eligibility
Know your borrowing capacity
Avoid rejection & save time
Compare Banks
Research rates across lenders
Save lakhs in interest
Prepare Documents
Get all papers ready
Fast-track approval by 7-10 days
After Loan Approval
Setup Auto-Debit
Never miss an EMI payment
Maintain perfect credit record
Make Prepayments
Pay extra when possible
Save 40-50% on total interest
Claim Tax Benefits
Use 80C & Section 24
Save up to ₹2L annually
Consider Transfer
Switch for better rates
Save ₹10-20L on ₹50L loan
💡 Pro Tip: The 5% Prepayment Strategy
Prepaying just 5% of your loan amount annually can reduce your tenure by 8-10 years and save up to 45% of total interest!
₹50L
Loan Amount
₹2.5L
Annual Prepayment
₹22L
Interest Saved
Ready to Get Your Dream Home?
Start your Axis Bank home loan journey today with our exclusive rates and fast processing
2L+
Happy Customers
₹5000Cr+
Loans Processed
20+
Bank Partners
4.8★
Customer Rating