AU Small Finance Bank Home Loan
AU Small Finance Bank Home Loan
AU Small Finance Bank Home Loan AU Small Finance Bank has been operating in India since 2017, intending to make home-building a reality for all rural and urban areas in the country. The bank offers rather attractive interest rates to customers nationwide, encouraging them to avail of home loans and make their dream of buying a house turn into reality. AU Small Finance Bank (SFB) interest rates start at 8% p.a. and go up to 22% p.a. for loans availed for a maximum tenure of 30 years.
AU Small Finance Bank Home Loan
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AU Small Finance Bank Home Loan EMI Calculator
Your Monthly EMI
₹ 77,530
Total Principal
₹ 1,00,00,000
Total Interest
₹ 86,07,174
Total Payable
₹ 1,86,07,174
AU Small Finance Bank Home Loan Key Highlights
Loan Amount: Starting at Rs. 2 lakh
Rate of Interest: 8% – 22% p.a.
Processing Fee: Up to 2% of the loan amount
Maximum Tenure for Repayment: 30 years (bank-salaried employees) | 20 years (cash-salaried / Self-Employed Professionals / Self-Employed Non-Professionals)
Prepayment / Foreclosure Charges: 3% p.a. of the outstanding amount
AU Small Finance Bank Home Loan Interest Rates in 2026
AU SFB rates of interest start at 8% per annum. These competitive interest rates help attract more customers to avail of home loan facilities at the bank. The table below provides a fair idea of AU Bank home loan interest rates for its applicants:
| Loan Slab | Interest Rate for Home Loan |
|---|---|
| For Salaried Employees Applicants | 8% - 22% p.a. |
| For Self-Employed Applicants | 8% - 22% p.a. |
AU Small Finance Bank Home Loan Eligibility Criteria
For Salaried Individuals
Age Range (in years)
18 to 70 years
Nationality
Indian
Minimum Income Earned
For Self-Employed Individuals
Age Range (in years)
18 to 70 years
Nationality
Indian
Minimum Income Earned
AU Small Finance Bank Home Loan Processing Fee and Charges
The processing fee is the amount levied by a bank on its loan applicants, charging them for the additional expenses that the bank incurs for processing customers' loan applications. Tabulated below are the AU Small Finance Bank home loan processing fee and other charges levied by the bank on home loan applications:
| Processing Fee | Up to 2% of the loan amount |
| CERSAI Fees | Nil |
| Legal Handling/Incidental Charges | At Actuals |
| Charges for ECS Return/Cheque Bounce | Rs. 500 |
| Foreclosure Statement Charges | Rs. 500 |
| Administrative Charges | Up to 2% of the loan amount |
| Overdue Interest | 3% every month on the amount outstanding |
| Stamping Charges | Following the State’s Stamp Act |
| Collection Charges | Rs. 600 for every visit |
| Statement of Account | Rs. 500 |
| Repayment Schedule/Duplicate Amortisation | Rs. 500 |
| Loan Document/Duplicate Copy of the Property | Rs. 1,000 |
| Replacement of Asset/Property/Collateral | Rs. 2,500 |
| Property Valuation Charges | Rs. 1,500 for every property |
| Duplicate Issue of No Dues Certificate | Rs. 500 |
AU Small Finance Bank Home Loan Schemes and Top Plans
AU Small Finance Bank offers a varied choice of home loan schemes to its customers so that they can use the loan amount appropriately for their personalised needs. Some of the top home loan products offered by the bank include the following:
- Loan available up to 100% of the estimated cost of the property
- Easy availability of the facility in rural parts of the country
- Tax benefits offered under Sections 80EE, 24, and 80C of the Income Tax Act
- Fast loan approvals to help you construct the home of your dreams faster
- Loan available for buying ready-to-move-in houses, flats, and bungalows from Development Authorities and Builders
- Also available for resale residential properties
- Loans can be availed for the purchase of RERA-approved houses and flats, freehold and leasehold properties, Municipal Corporation/Nagar Palika houses, and Gram Panchayat properties
- Can be used for making upgrades and renovations to existing residential properties
- Loan amount is offered for making all repairs and transformations to the house to make it appear more spacious and comfortable
- Competitive rates of interest offered
- Add-on loan amount available on existing home loan from AU SFB
- Minimum documentation required for the top-up loans
- Additional funds available to meet personalized home and financial requirements
- Can be availed by both existing and new customers of the bank
- Lower your existing home loan burden with convenient transfers to AU Small Finance Bank
- Reduced EMIs and lower rates of interest on balance transfers of home loans
- Facility can be availed by customers with no income proof
- Can be availed by rural India as well
- Ideal for buying a land/plot and building a home of your choice
- Competitive rates of interest
- Door-to-door service provided by the bank staff in addition to expert financial counseling services
- Ideal for buying a commercial office space to help operate your dream business setup
- Competitive interest rates on loan for buying commercial property
- Loan can be conveniently availed of at the bank’s over 400 branches in India
- Seamless and hassle-free loan application process with minimal documentation required
- Commercial property can be freehold, belong to Development Authority, Gram Panchayat, or Municipal Corporation
- Loan repayment tenure ranges between 1 and 15 years
- Minimum amount of loan that can be availed - Rs. 2 lakh
* Note: All of the above home loan plans are made available to applicants solely at the discretion of AU Small Finance Bank, taking into consideration the earning and repayment capacity of the applicant.
Documents Required for AU Small Finance Bank Home Loan
AU Small Finance Bank requires its home loan applicants to submit a set of documents along with the application for the loan amount. The exact home loan documents required by AU Small Finance Bank are as follows:
| Proof of Income |
|
| Other Required Documents |
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| Proof of Income |
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| Other Required Documents |
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| Identity & Address Proof |
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| Documents Related to Property |
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How to Apply for an AU Small Finance Bank Home Loan?
Ready to apply for an AU Small Finance Bank home loan but don’t know how? The process is extremely simple and hassle-free and can be completed in minutes online:
Just visit BASIC home loan to get started on your home loan application process.
Next, visit the section ‘BASIC Apply Now’ on the portal.
Enter the key details required on the form provided - your name, contact details, and all other information as may be mentioned on the form.
Check the form carefully upon completion, and when ready, hit the 'Submit' button.
Your form to initiate the home loan application with AU SFB has been submitted. A BASIC Home Loan team representative will now connect with you shortly to assist you through the home loan filing procedure with the AU bank and also explain the complete details about the same.
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