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Loan Interest Rate
Processing Fees
Loan Amount of Property value
Prepayment / Foreclosure Charges
AU Small Finance Bank is dedicated to making homeownership accessible and swift for a diverse range of borrowers across India. Our home loan solutions are specifically designed to cater to the unique needs of first-time homebuyers, self-employed individuals, and those looking for smart financial moves through home loan balance transfers. We offer comprehensive support for various property needs, ensuring a smooth journey to owning your dream home.
AU Small Finance Bank offers competitive interest rates designed to suit various borrower profiles. Current interest rates for AU Small Finance Bank Home Loans start from 9.99% p.a. for eligible borrowers under government-backed affordable housing schemes, such as those linked to the Pradhan Mantri Awas Yojana (PMAY). Standard interest rates can range up to 22% p.a., and are dynamically determined by several key factors including:
AU Small Finance Bank provides comprehensive home loan solutions for a wide array of property-related needs:
AU Small Finance Bank provides flexible home loan amounts ranging from ₹2 Lakh to over ₹40 Lakh, tailored to your eligibility and the value of the property. The maximum repayment tenure extends up to 20 years, allowing you to choose a comfortable EMI plan that fits your financial situation, thereby reducing the monthly burden and making homeownership more affordable.
To qualify for an AU Small Finance Bank Home Loan, applicants typically need to meet the following criteria:
AU Small Finance Bank is committed to a streamlined home loan application process, with approvals often completed within 7-15 working days, subject to complete documentation, verification, and credit assessment.
If you have an existing home loan with another bank or financial institution, AU Small Finance Bank offers a seamless Home Loan Balance Transfer facility. This allows you to transfer your outstanding loan to AU Small Finance Bank, potentially benefiting from lower interest rates, reduced EMIs, or more flexible repayment terms in 2026. This is an excellent option for borrowers looking to optimize their home loan finances and save on interest costs over the loan tenure.
AU Small Finance Bank stands out as a preferred choice for home loans due to its:
Interest rates start from 9.99% p.a. for eligible borrowers under affordable housing schemes, ranging up to 22% p.a. These rates are primarily influenced by your credit profile (CIBIL score), income stability, Loan-to-Value (LTV) ratio, and the loan's purpose and amount.
AU Small Finance Bank caters to a diverse range of borrowers, including first-time homebuyers and self-employed individuals. Eligibility also depends on factors like a strong CIBIL score (typically 650+) and stable income, with salaried individuals often receiving preferential rates.
You can avail a loan amount from ₹2 Lakh up to ₹40 Lakh+, tailored to your financial capacity and property value. The maximum repayment tenure offered is 20 years, allowing for manageable EMIs.
While specific requirements vary, you will generally need to provide identity proof, address proof, income documents (like salary slips or IT returns), and property-related documents. It's best to consult with the bank for a personalized checklist.
Your Equated Monthly Installments (EMIs) are determined by the loan amount, interest rate, and chosen repayment tenure. You can typically use an online EMI calculator to estimate your monthly payments based on these factors.
Yes, AU Small Finance Bank provides home loan balance transfer solutions for borrowers looking to move their existing home loan from another bank. This allows for potentially better interest rates or more favorable terms.
AU Small Finance Bank offers swift processing, with approvals often completed within 7-15 working days. This ensures a quick journey to homeownership for eligible applicants.
Discover the key features and eligibility criteria for AU Small Finance Bank Home Loans in 2026. We offer competitive interest rates and flexible repayment options to help you achieve your dream of homeownership, whether you're looking to purchase, construct, or transfer your existing home loan.
|
Feature |
Details |
|
Interest Rate |
Competitive Interest Rates: Starts at 9.99% p.a. The final AU Small Finance Bank home loan interest rate, which can range up to 22% p.a., is dynamically determined by factors such as your CIBIL score, monthly income, employment type (salaried/self-employed), and the specific home loan product chosen (e.g., purchase, construction, balance transfer). Floating rate loans are generally linked to an external benchmark (EBLR) as per RBI guidelines in 2026. |
|
Processing Fee |
Processing Fee: Up to 2% of the sanctioned loan amount + applicable Goods and Services Tax (GST). This fee covers the administrative costs associated with processing your AU Small Finance Bank home loan application. |
|
Loan Amount |
Flexible Loan Amount: From ₹2 lakh up to ₹40 lakh. For applicants with exceptionally strong financial profiles or those purchasing high-value properties, AU Small Finance Bank may offer higher loan amounts, subject to our internal credit policies and Loan-to-Value (LTV) ratio norms (typically up to 80-90% of property value). |
|
Repayment Tenure |
Extended Repayment Tenure: From 1 year up to 20 years. A longer tenure can result in lower EMIs, making your AU Small Finance Bank home loan more affordable, though it may increase the total interest paid over the loan period. |
|
Applicant Age |
Applicant Age: Minimum 18 years to Maximum 70 years (at the time of loan maturity). This ensures that the repayment period is completed before the applicant reaches the age of 70. |
|
Approval & Disbursal Time |
Swift Approval & Disbursal: Typically 7–15 working days from the date of complete document submission and successful verification. Timely provision of all required home loan documents can expedite this process. |
|
Prepayment Charges |
Prepayment Charges: Up to 3% on the prepaid amount for fixed-rate home loans. As per RBI guidelines for individual borrowers, there are no prepayment penalties on floating-rate home loans. |
|
Eligibility (Salaried) |
Eligibility (Salaried Individuals): Minimum net monthly income of ₹25,000. Applicants must be permanent employees with a stable employment history, typically for at least 2-3 years, to qualify for an AU Small Finance Bank home loan. |
|
Eligibility (Self-Employed) |
Eligibility (Self-Employed Individuals): Minimum 2 years in current business with consistently filed Income Tax Returns (ITRs). Business stability and profitability are key considerations for AU Small Finance Bank home loan eligibility. |
|
General Eligibility Criteria |
Indian Resident, Minimum CIBIL Score of 650-700 (varies by product and internal policy), and other bank-specific criteria such as debt-to-income ratio and property type. |
AU Small Finance Bank links interest rates to the borrower’s risk profile. The base rate starts at 9.99% p.a. for loans under the Affordable Housing segment (property value up to ₹45 lakh in metro cities). Standard home loans begin at 10.5%–12.5% p.a. for salaried applicants with CIBIL scores above 750 and stable employment. Self-employed borrowers typically see rates from 11.5% to 15% p.a., depending on business vintage and cash flow.
|
Borrower Category |
Starting Rate |
Max Rate |
Key Factors Influencing Rate |
|
Salaried (CIBIL ≥750) |
9.99% |
14% |
Income, job stability, employer category |
|
Self-Employed Professionals |
11.5% |
16% |
ITR, business continuity, profit trends |
|
Self-Employed Non-Professionals |
12.5% |
18% |
Cash flow, industry type, audited financials |
|
Balance Transfer |
10.5% |
15% |
Existing loan track record, new property value |
|
Bank |
Starting Rate (p.a.) |
Processing Fee |
Max Tenure |
|
AU Small Finance Bank |
9.99% |
Up to 2% |
20 years |
|
State Bank of India |
7.50% |
0.35%–1% |
30 years |
|
8.15% |
0.5%–1.5% |
30 years |
|
|
8.75% |
0.5%–1% |
30 years |
|
|
8.50% |
Up to 1% |
30 years |
While public sector and large private banks offer lower headline rates, AU Small Finance Bank remains competitive for borrowers with moderate credit scores or non-traditional income sources. The bank’s faster processing and flexible underwriting often outweigh the slight rate difference.
Speed of Approval: Most applications are processed within 7–15 days, compared to 20–30 days at larger banks.
Flexible Eligibility: Accepts self-employed applicants with just two years of ITR filing and stable cash flow.
Balance Transfer Facility: Switch existing high-rate loans and reduce EMIs by up to 20%.
Top-Up Loans: Additional funding for home improvement or extension without separate applications.
Transparent Charges: No hidden fees; full disclosure of processing, legal, and valuation costs upfront.
Digital Tracking: Real-time loan status updates via website and mobile app.
The official loan calculator at aubank.in allows instant EMI computation. Enter loan amount, interest rate, and tenure to view monthly installments, total interest, and amortization schedule.
Loan Amount: ₹30 lakh
Interest Rate: 10.5% p.a.
Tenure: 20 years
|
Monthly EMI |
Total Interest Payable |
Total Amount Payable |
|
₹29,850 |
₹41.64 lakh |
₹71.64 lakh |
Adjust tenure or rate to fit your budget. Reducing tenure to 15 years drops EMI to ₹33,200 but saves ₹10 lakh in interest.
|
Charge Type |
Amount |
|
Processing Fee |
1.5%–2% of loan amount + GST |
|
Legal & Technical Valuation |
₹3,500–₹5,500 (one-time) |
|
CERSAI Registration |
₹500–₹1,000 |
|
Stamp Duty on Agreement |
As per state laws (0.1%–0.2%) |
|
Prepayment (Fixed Rate) |
Up to 3% on prepaid amount |
|
Prepayment (Floating Rate) |
Nil (for individuals) |
All charges are disclosed in the sanction letter. GST at 18% applies on processing and service fees.
● Minimum age: 21 years
● Maximum age at maturity: 70 years
● Net monthly income: ₹25,000+
● Employment stability: 2+ years total, 1+ year with current employer
● CIBIL score: Preferably 700+
● Minimum 2 years in current business
● Filed ITR for last 2 years showing positive profit
● Minimum annual turnover: ₹3 lakh (professionals), ₹5 lakh (non-professionals)
● Age: 25–70 years at loan end
● Salaried: Last 3 months salary slips, Form 16
● Self-Employed: ITR with computation, audited P&L, balance sheet
Visit Website or Branch Go to aubank.in/personal-banking/home-loan or nearest AU Small Finance Bank branch.
Fill Application Form Provide personal, income, and property details online (5–7 minutes).
Upload Documents Scan and submit KYC, income, and property papers via portal.
Credit and Property Verification Bank conducts CIBIL check, income assessment, and legal/technical evaluation of property.
Sanction Letter Receive offer with loan amount, rate, tenure, and EMI within 3–7 days.
Legal Formalities Sign loan agreement, complete mortgage registration.
Disbursal Funds transferred to seller/builder account within 2–3 days of final compliance.
|
Service |
Contact Details |
|
Toll-Free Helpline |
1800 1200 1200 / 1800 26 66677 |
|
Email Support |
customercare@aubank.in |
|
Grievance Redressal |
nodal.officer@aubank.in |
|
Working Hours |
24×7 for calls; 10 AM–6 PM for branches |
Alternatively, log into AU 0101 Net Banking or mobile app for updates.
AU Small Finance Bank home loan is a strong choice if you value speed, flexibility, and inclusive eligibility over the lowest possible interest rate. It suits self-employed borrowers, small business owners, and those needing quick funds for under-construction properties. While rates are slightly higher than PSU giants, the streamlined process, transparent charges, and responsive support make it a practical option in today’s fast-moving property market.
Zero Hidden Charges
Hassle Free and Fast Approval Process
Personalized Loan Assistance
Exciting Cashbacks
