Axis Bank Home Loan
Programs
Axis Bank Schemes & Offers
Flagship retail home loan programs available through our DSA desk (indicative, subject to bank policy).
Shubh Aarambh
Step-up EMI plan for young salaried buyers expecting income growth; smaller EMI in early years.
Paperwork
Documents Required
Common documents every lender asks for, plus the bank-specific list from the 2026 DSA sheet.
Axis Bank-specific requirements
- Salary account statement for last 6 months (Axis account preferred)
- Existing loan statements for FOIR computation
- Employment continuity proof (relieving/offer letters where applicable)
Common documents (all banks)
- KYC: Aadhaar card + PAN card for all applicants and co-applicants
- Photographs: 2 passport-size photos per applicant
- Address proof: Aadhaar / passport / voter ID / utility bill
- Income proof (salaried): 3 months salary slips + Form 16 or 2 years IT returns
- Income proof (self-employed): 3 years IT returns with computation + balance sheet / P&L
- Bank statements: 6 months of savings account statements (primary account)
- Property papers: Sale agreement, chain of title, approved plan, commencement certificate
- Existing loan statements: Outstanding statements for any running EMIs (FOIR check)
Know before you apply
Eligibility with a DSA Estimate
The FOIR + LTV math banks run — applied to the current best partner rate.
Loan Eligibility Checker
FOIR 55% · LTV 90/80/75Run the EMI for this rate
Our EMI calculator applies the reducing-balance formula — plug in your loan amount at 8.55% p.a. to see the monthly outgo, total interest and amortization.
FAQ
Axis Bank Home Loan FAQ
Indicative Axis Bank home loan rates start at 8.55% to 9.60% p.a., varying with your CIBIL score, loan amount, tenure and whether you choose a fixed or floating rate. Women borrowers and select salary segments may get a concessional spread. Confirm the live rate for your profile with our loan specialist before applying.
Axis Bank extends up to 80% loan-to-value (subject to RBI slabs: 90% up to ₹30 lakh, 80% for ₹30-75 lakh, 75% above ₹75 lakh) with tenure of up to 30 years. Your final LTV also depends on the bank's valuation of the property.
Start with the common set (KYC, photographs, address proof, income proof, 6-month bank statements, property papers) plus the Axis Bank-specific requirements listed on this page. Our DSA desk reviews your file for gaps before submission, so re-work cycles are avoided.
0.50% + GST (min ₹10,000) (indicative — Axis Bank revises fees periodically and festive offers often waive them). Processing fees are one-time charges on the sanctioned amount and are refundable in some banks if the loan is rejected before sanction.
Click Apply on this page and share your name and phone number. As an authorized DSA partner we submit your file directly to Axis Bank, negotiate the rate, and follow it through sanction and disbursement — at no cost to you.
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Apply for a Axis Bank Home Loan
We file directly with Axis Bank, negotiate your rate and follow the sanction to disbursement. Free — the bank pays the DSA commission.