AU Small Finance Bank Home Loan

Feature	Details
Interest Rate	Starts at 9.99% p.a. (up to 22% p.a. based on CIBIL, income, and loan type)
Processing Fee	Up to 2% of loan amount + GST
Loan Amount	₹2 lakh to ₹40 lakh (higher for high-value properties or strong profiles)
Repayment Tenure	1 to 20 years
Applicant Age	18 to 70 years (at loan maturity)
Approval & Disbursal Time	7–15 working days post document submission
Prepayment Charges	Up to 3% on prepaid amount (for fixed-rate loans)
Eligibility (Salaried)	Minimum ₹25,000 monthly net income
Eligibility (Self-Employed)	Minimum 2 years in business with filed ITRs

 

 

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

Rate Comparison with Leading Banks (as of October 2025)

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
HDFC Bank	8.15%	0.5%–1.5%	30 years
ICICI Bank	8.75%	0.5%–1%	30 years
Axis Bank	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.

Why Choose AU Small Finance Bank Home Loan?

1. Speed of Approval: Most applications are processed within 7–15 days, compared to 20–30 days at larger banks.

2. Flexible Eligibility: Accepts self-employed applicants with just two years of ITR filing and stable cash flow.

3. Balance Transfer Facility: Switch existing high-rate loans and reduce EMIs by up to 20%.

4. Top-Up Loans: Additional funding for home improvement or extension without separate applications.

5. Transparent Charges: No hidden fees; full disclosure of processing, legal, and valuation costs upfront.

6. Digital Tracking: Real-time loan status updates via website and mobile app.

AU Small Finance Bank Home Loan Calculator: Plan Your EMI Accurately

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.

Example Calculation

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.

AU Small Finance Bank Home Loan Processing Fee and Other Charges

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.

AU Small Finance Bank Home Loan Requirements and Eligibility

For Salaried Applicants

● 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+

For Self-Employed Applicants

● 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

Common Documents Required

1. Identity Proof: Aadhaar, Passport, Voter ID
2. Address Proof: Aadhaar, Utility Bill
3. Income Proof:

● Salaried: Last 3 months salary slips, Form 16

● Self-Employed: ITR with computation, audited P&L, balance sheet

4. Property Documents: Sale agreement, title deed, approved plan, encumbrance certificate
5. Bank Statements: Last 6–12 months

AU Small Finance Bank Home Loan Application Process – Step by Step

1. Visit Website or Branch Go to aubank.in/personal-banking/home-loan or nearest AU Small Finance Bank branch.

2. Fill Application Form Provide personal, income, and property details online (5–7 minutes).

3. Upload Documents Scan and submit KYC, income, and property papers via portal.

4. Credit and Property Verification Bank conducts CIBIL check, income assessment, and legal/technical evaluation of property.

5. Sanction Letter Receive offer with loan amount, rate, tenure, and EMI within 3–7 days.

6. Legal Formalities Sign loan agreement, complete mortgage registration.

7. Disbursal Funds transferred to seller/builder account within 2–3 days of final compliance.

AU Small Finance Bank Home Loan Customer Care Number

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

How to Check AU Small Finance Bank Home Loan Status

1. Visit aubank.in/loan-status
2. Enter registered mobile number and OTP
3. View real-time status: Application Received → Under Verification → Sanctioned → Disbursed

Alternatively, log into AU 0101 Net Banking or mobile app for updates.

 Is AU Small Finance Bank Home Loan Right for You?

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.