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Aditya Birla Housing Finance Limited (ABHFL) is registered with the National Housing Bank as a housing finance company under the National Housing Bank Act, 1987. The company offers a complete range of housing finance solutions such as home loans, home improvement and home construction loans, balance transfer and top-up loans, loans against property and construction finance. Through their lending solutions, they enable their customers to own their dream home. ABHFL believes in "Your home is where you build memories with your loved ones. It's your own little piece of heaven". ABFHL presents home loans, especially designed just for you. 

Features and Benefits : 

  •  Attractive interest rates 
  •  Loan tenure up to 20 years 
  •  Quick & transparent processing 
  •  Choose between simple EMIs or structured repayments 
  •  Nil pre-payment charges for floating rate home loans given to individuals 
  •  Attractive balance transfer option available 
  •  Door step services 

Eligibility : 

Minimum age of applicant - 21 yrs 
Maximum age of applicant at loan maturity - 60 years 

Minimum loan amount - 

  1.  25 lakhs for Delhi & Mumbai; 
  2.  15 lakhs for all other locations 
 Loan to property value - 

  1.  Upto 20 Lakhs - 90 % 
  2. 20 Lakhs to 75 Lakhs  - 80 % 
  3. More than 75 Lakhs - 75 %

Documentation :

Purpose Salaried Self Employed / Professional / Partnership / Company
Proof of Identity and Address Passport or Voter's ID card or Driving License or Job Card issued by NREGA or Adhaar Card or Registration certificate or PAN card (PAN Card only as identity proof) or any other document as acceptable to ABHFL
Proof of Income Latest 3 months salary slip showing all deductions & Form 16 IT Returns or financial documents for last 2 years and computation of income certified by a CA for last 2 years
Bank statement where salary or income is credited Latest 6 months Latest 6 months
Proof Other Income Rental receipts or documents showing receipt of income
Property Documents Copy of Title documents and approved sanction plan

Fees And Charges :

ABHFL Reference Rate: ABHFL Reference Rate (“ARR”) is 15.00% p.a. with effect from 8th October, 2014. The interest rate on your floating rate loans is linked to the ARR and any revision in this rate would impact your interest rate.
Schedule of Charges: The indicative schedule for charges for loan products is attached herewith. Applicable taxes would be levied on these charges:

Transaction Charges
Loan Processing /Administration Fee Home Loans : Up-to 1% of the loan amount
Other Loans : Up-to 2% of the loan amount
Pre-payment Charges:
Pre-closure is allowed after 12 months from loan disbursement date for Long Term Loans
Any part pre-payments made in the last 12 months prior to closure will be counted towards the pre-closure charges

  • Floating rate loans given to individuals, where all applicants and co-applicants are individuals: Nil
  • Home Loans (other than floating rate Home Loans to individuals): 2% of principal outstanding
  • Loan against Property & Lease Rental Discounting: 4% of principal outstanding
Other Charges:
Default Penal Interest Rate / Non Conformance with
any covenants / stipulated conditions
24% p.a. i.e. 2% per month
ECS failure charges  750/- per instance
Accrued Interest As applicable based on actual delayed status or as communicated by the lender from time to time
CERSAI charges
When facility amount is equal to  5 lacs or lesser –  250+ST per property
When facility amount is greater than  5 lacs – 
 500+ST per property You may visit the website of CERSAI for all such charges at
Pre-closure quote  1,000/- per instance
Request for Copies of any collateral held with ABHFL  750/- per instance
Duplicate Statement/ Repayment Schedule / any other document held with ABHFL request  200/- per instance
Charge For Exchanging ECS mandate  750/- per instance
CIBIL report retrieval fee  50/- per instance for Consumer and  500/- for Commercial CIBIL
Loan Re-schedulement (at discretion of ABHFL) charges 0.50% of the loan outstanding + Service Tax
NOC issuance charges  500 + Service Tax
Swap Charges (Fixed or semi-fixed rate to floating and vice-versa at discretion of ABHFL) 2% of the loan outstanding
  • Stamp duty
  • Legal and other statutory charges
  • Insurance premium
  • Creation charge with ROC
As per actual, where applicable
Above charges constitute the rack rate for all customers. Actual charges for any customer, if different, will be as communicated at the time of loan sanction and disbursal and would be subject to changes from time to time.

For more information or to fill the application online you can visit

For queries you can call at :
+91 84259 55555