AU Small Finance Bank Home Loan

AU Small Finance Bank Home Loans starting at just 11.00% p.a.

Au Small Finance Bank understands that owning a home is one of life’s most significant aspirations. Their home loan solutions are crafted to Read More...

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Au Small Finance Bank Home Loan Highlights

Loan AmountStarting from INR 2,00,000
TenureUpto 30 years
Rate of Interest11% onward
Processing FeeUpto 2% of the loan amount
Max Tenure30 years
Foreclosure ChargesNil

Au Small Finance Bank Home Loans Comparison Table

Compare Au Small Finance Bank Home loan interest rates with other lenders to find the best deal. See how Au Small Finance Bank competitive rates stack up in our comprehensive comparison table.

Name of LenderAmount Up toInterest RateTenure
Axis Bank₹10 cr8.75% OnwardsUp to 20 years

Au Small Finance Bank Home Loan EMI calculator

Enter the loan amount, interest rate, and loan tenure into the Au Small Finance Bank home loan EMI calculator below to determine your monthly EMI and the total interest due over the loan period.

EMI: ₹63,337.89
Total interest: ₹26,00,546.8
Total principal: ₹50,00,000

AU Small Finance Bank Home Loans Eligibility

Check Your Eligibility for AU Small Finance Bank Home Loan

AU Small Finance Bank Home Purchase Loan

AU Small Finance Bank Home Top-Up Loan

AU Small Finance Bank Home Construction Loan

AU Small Finance Bank Home Loan Balance Transfer

AU Small Finance Bank Home Purchase Loan

Owning a home has never been easier. With our streamlined approval process, competitive interest rates, and minimal paperwork, we are dedicated to helping you achieve your dream of purchasing a new house in a hassle-free manner. Our home purchase loans are available for various property types, including flats, houses, and bungalows from builders or development authorities, as well as resale properties.

Features of Home Purchase Loan

  • Inclusive Eligibility: Our loans are available for customers with both formal and informal income proof, accommodating those with minimum wages and non-income documentation.
  • Transparency: We believe in a completely transparent process with no hidden charges.
  • Convenient Doorstep Service: Our loan experts will assist you right at your doorstep, making the process even more convenient.
  • Wide Accessibility: Our services are easily available in rural, semi-urban, and urban areas, ensuring that everyone has access to our home loan products.
  • Approved Properties: We partner with a variety of property developers, including those approved by Development Authorities, RERA, Municipal Corporations, and Gram Panchayats, ensuring you have options for your preferred property.

AU Small Finance Bank Home Loan Processing Fees and Charges

AU Small Finance Bank Home Loan Processing Fees

AU Small Finance Bank Home Loan Prepayment charges

The processing fee for home loans at AU Small Finance Bank is typically up to 2% of the loan amount. This fee is charged for processing your loan application and is a standard practice among many financial institutions. It's important to check with AU Small Finance Bank directly or visit their official website for the most accurate and current information regarding their processing fees and any other associated charges.

How to Apply for Au Small Finance Bank Home Loan?

Prospective borrowers interested in an Au Small Finance Bank home loan have the option to apply online either through the bank's official website, as outlined below:

Apply here

Via the Au Small Finance Bank Official Website

  1. Visit the Au Small Finance Bank Home Loan official website.
  2. Click on Apply now
  3. Enter the necessary details to determine the eligible loan amount.
  4. Complete the required information on right side and tap "Submit".

Documents Required for Au Small Finance Home Loan

Following is the list of documents required for different categories of customers


Au Small Finance Home Loan list of documents for Salaried

Au Small Finance Home Loan list of documents for Self-employed professionals

Au Small Finance Home Loan list of documents for Self-employed

Au Small Finance Home Loan list of documents for Farmers

Au Small Finance Home Loan list of documents for NRIs

Au Small Finance Home Loan list of documents for Salaried

  1. Identity and residence proof (KYC), such as an Aadhaar, PAN card, or Voter ID card.
  2. Income proof, such as the last 3 months salary slip, the latest Form 16, and a six-month bank statement.
  3. A Cheque for The Processing Fee for The Loan Application.
  4. Property Documents Such as Sale Deed, NOC From the Builder or Housing Society, Advance Payment Receipt to The Builder, And Approved Construction Plan.

Property Related Documents

For New Home
  1. Allotment letter copy/Buyer agreement
  2. Payment receipt made to the developer
For Resale Home
  1. Title deeds including previous chain of property documents
  2. Agreement to sell copy
  3. Initial payment receipt made to the seller
For Construction
  1. Title deed of plot
  2. Copy of the plan approved by Local Authorities
  3. No encumbrance proof on the property
  4. The total estimate of construction by a Civil Engineer/Architect

Au Small Finance Bank Home Loan FAQ’S

Here are some of the frequently asked questions with regards to Au Small Finance Bank Home Loan

Au Small Finance Bank offers home loans starting from 11% p.a., varying based on the applicant's credit profile.
You can determine the interest cost using the Au Small Finance Bank Home Loan EMI Calculator. Simply input your loan amount, tenure, and interest rate into the calculator to obtain instant results.
Au Small Finance Bank adjusts its housing loan rates in accordance with the repo rate. Changes in the repo rate prompt adjustments in the rates for existing Au Small Finance Bank home loan borrowers. Additionally, Au Small Finance Bank may modify the spread over benchmark rates during special or festive home loan offers.
Co-owners of the property must also be co-applicants for the Au Small Finance Bank Housing Loan. However, not all co-applicants need to be co-owners; close family members are typically permitted as co-applicants.
Yes, partial or full prepayment of your home loan amount is allowed before the loan tenure ends. Au Small Finance Bank does not impose prepayment charges on home loans with floating interest rates.
You can reduce your Au Small Finance Bank Housing Loan interest rate by transitioning from a higher interest rate to a lower one. Au Small Finance Bank charges a conversion fee for rate reductions, or alternatively, you can transfer your home loan to another lender offering lower rates.
Kotak Mahindra Bank does not levy prepayment fees on home loans with floating interest rates. For fixed-rate home loans, prepayment incurs a fee on the outstanding loan amount plus applicable taxes, except when using own sources for pre-closure.
After property and document verification and completion of the 'own contribution' or down payment, Au Small Finance Bank sanctions the home loan. Disbursement can be requested online or offline and is contingent on construction progress.
Yes, your spouse's income can bolster your home loan eligibility. Your spouse must provide income documents to Au Small Finance Bank for consideration.
While Au Small Finance Bank doesn't specify a minimum credit score, it offers lower rates to applicants with scores of 750 and above.
Yes, you can apply for pre-approved home loan facilities based on your financial status, creditworthiness, and income. Property selection must occur within 6 months of loan sanction.
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