Aadhar Housing Finance Details

Following are the Aadhar Housing Finance fees & Charges:

Loan amountUp to 90% of Property Value
Rate of interest11.75% onwards
TenureUp to 30 years
Lowest EMI possibleRs. 1,009 Per Lakh
Processing feeNIL
Foreclosure ChargesNil for floating rates
Penal Interest Rate2% per month

Home Loan Apply Online

Features and Benefits of Aadhar Housing Finance

Opt for Aadhar Home loan if you are looking for best housing finance companies & best banks for home loans. You will enjoy following benefits & features-

  • Tailored home loans for purchase, construction, renovation or extension of a residential plot or house.
  • Most profiles including salaried, business owners & self-employed without formal documents can apply.
  • Easy funding for up to 80% of the property's value, subject to maximum of 1 Crore.
  • Choose repayment tenure ranging from 5 to 30 years.
  • Balance Transfer & Top Up facilities are available.
  • Competitive interest rates with flexible documentation starting at 11.75 % p.a.
  • Aadhar Housing Finance processing fees range up to 1.5% of the loan amount.

Aadhar Housing Finance Interest Rate

ProfileHome Loan Interest Rates
Salaried11.75% to 16.50%
Self employed12.75% to 17.00%

Types of Home Loans Offered by Aadhar Housing Finance

Aadhar Housing Finance Home Loan

  • Regular home loan for salaried & self-employed borrowers.
  • Home loan sanction up to 80% of the property value.
  • Aadhar Housing Finance rate of interest for regular home loan starts from 11.75% p.a.
  • Home loan tenure can be extended up to 30 years.
  • Maximum home loan amount is sanctioned up to Rs. 1 Crore.

Aadhar Housing Finance Home Improvement Loan:

  • Aadhar home loan scheme for home improvement/ renovation of a pre-owned/ self-occupied residential unit.
  • Funding is available for 100% cost as certified by the technical officer, subject to 80% of the market value of property.
  • Adhar Finance Home Loan Interest Rate for home improvement starts from 11.75% p.a.
  • Maximum loan tenure for home improvement loan is up to 20 years.
  • Loan sanctions can go up to Rs. 1 Crore.

Aadhar Housing Finance Home Extension Loan:

  • Home loan product for carrying out extension of pre-owned homes.
  • Available to existing as well as new customers.
  • Approval up to 100% cost of the project, as certified by technical officer, subject to 80% of property value.
  • Aadhar Housing Finance Home Extension Loan Interest rates start from 11.75% p.a.
  • Maximum loan tenure can range up to 20 years.
  • Get Adhar Finance Home Loan sanctions for up to Rs. 1 Crore for extensions.

Aadhar Housing Finance Loan for Plot Purchase and/ Construction:

  • Home loan for purchasing residential plot for construction or investment purpose.
  • The plot should be a non-agricultural land, situated within a Municipal/ Local Development Authority.
  • Plot loan is sanctioned for up to 70% of the property value.
  • In case of plot purchase & subsequent construction, approval is offered for up to 80% of the property value.
  • Aadhar Finance home loan interest rate for plot purchase and/ construction starts from 11.75% p.a onwards.
  • Maximum loan tenure for plot loan is up to 15 years.
  • Maximum loan amount is up to Rs. 1 Crore.

Aadhar Housing Finance Balance Transfer Loan:

  • Facility for existing home loan borrowers.
  • Option to transfer your home loan from another Bank/ HFC to Aadhar Housing Finance at lower interest rates.
  • You can avail additional top-up loan & extend tenure.
  • Regular home loan benefits apply.

Pradhan Mantri Awas Yojana (PMAY)

  • PMAY is a government backed scheme for first time home buyers.
  • It offers credit linked housing finance subsidy to urban & rural poor across India.
  • The borrowers can save up to Rs. 2.67 lakh per year on repayment of home loan interest.
  • The eligibility criteria are as directed by the central government.
  • The subsidy benefit is directly provided to your Aadhar home loan account.

Aadhar Housing Loan Eligibility

Aadhar Housing Loan offers customised home loans according to profile. The borrower needs to meet the following eligibility criteria to apply for a home loan for buying, constructing or renovating a residential property.

  • The applicants with legal income source and limited documentation can qualify. For instance, salaried borrowers such as 3rd or 4th grade employees in private firms or government departments such as police, defence, municipality and self-employed business owners/ professionals including plumber, carpenter, electricians, masons, auto-rickshaw drivers can apply and qualify for Aadhar home loans.
  • Loan eligibility is assessed according to profile, work stability & experience and up to 80% of property value.
  • The borrower’s age during the tenure should be between 18 to 60 years for salaried & 18 to 70 years for self-employed.
  • Use Aadhar Housing Finance Home Loan Eligibility Calculator to instantly assess home loan eligibility. To use a calculator, share primary applicant & co-applicant’s monthly income and existing EMIs along with home loan tenure, interest rate.

Additional Info: Also check Aadhar Housing Finance Home Loan EMI Calculator

Documents Required for Aadhar Home Loan

Aadhar Housing Finance requires minimal documentation for approving Home Loans. Here is the list of Aadhar Housing Finance Home Loan document list requirement-

Salaried Individuals


Identity proof (copy of any one): Aadhar Card, PAN Card, Passport, Voter’s ID Card, Driving License

Residence Proof (copy of any one): Passport, Electricity Bill, Telephone Bill, Ration Card, Letter from Employer

Income Proof:

Salary slip for last 3 months or Salary Certificate

(for including variable components & incentives salary slips of 6 months are required)

Age Proof:

Class X certificate or Birth certificate


  • Copy of bank pass books/ bank statements for last 6 months including first page
  • Company profile for lesser known organizations

Self - Employed: Business owners & Professionals

KYC: As above

Income Proof:

  • Copy of last 3 Years’ Income Tax Returns
  • Computation of income, last 3 Years’ Balance Sheet and Profit & Loss Account
  • (duly attested by CA)
  • Brief business profile on the letter head (including front page)
  • Others:
  • Last year’s Bank Statement for Savings A/c & Current A/c
  • Copy of Shop & Establishment License / VAT Registration or any other mandatory license / registration
  • Copy of the Partnership Deed (as applicable)
  • Copy of tax deduction certificate / Form - 16A (as applicable)
  • Details of Contract (as applicable)
  • Copy of Advance Tax paid / self-assessment tax paid challan

Additional documents required by self-employed professionals

  • Copy of Educational Qualification Certificate
  • Copy of Professional Practice Certificate
  • Salary Certificate (in case of doctors drawing salary)

*Submit only copy of these documents. Do not submit original documents. Originals are used for verification purpose only.

Aadhar Housing Finance - Processing Fee & Other Charges

Let’s walk through Aadhar Housing Loan fees & charges below:

PurposeFee/ Charge (in Rs)
Login fee (non-refundable)Rs. 3500
Documentation chargesRs. 2000 to Rs. 5000
Legal, valuation and technical chargesRs. 3000 to Rs. 5800
CERSAI creation chargesRs. 100

Total administrative charges

(inclusive of documentation, legal valuation, technical & CERSAI charges)

Home Loan/ Top Up: Rs. 5100 or 1.5% of sanction amount (whichever is higher)

LAP/ NIP/ Project Loan: Rs. 5100 or 2% of sanction amount (whichever is higher)

Subsequent technical verification

(Construction Cases)

Rs. 500

Cheque/ ECS/ Direct Debit/ ACH Bounce

(per instance)

Rs. 500
Additional interest on default instalment – (EMI/PRE-EMI)2% of due amount


(Legal/ Possession & Incidental Charges)

As per actuals

Cheque/ Ecs/ Direct Debit/ Ach Swapping

(per set)

Rs. 500
Prepayment/ part payment

Home Loan/ LAP at flexible or variable rate: NIL

For Home Loan/ LAP at fixed rate: 2% of the loan outstanding

(including for amount prepaid through refinance & not through own source)

For Project Loan: 2% of the loan outstanding

Document handlingRs. 2000
Statement copyRs. 500
Switch fees

Fixed to variable: 1% of outstanding

Variable to fixed: 1.5% of Outstanding

Conversion Fees

(Switching to Lower Rate under Variable Home Loan Product)

0.50% of the principal outstanding & undisbursed amount (if any)
Insurance chargesas per actuals

*GST applicable on all fees & charges

Aadhar Home Loan Approval and Disbursement Process

Aadhar Housing Finance follows a customer-friendly approval & disbursement process. Here is a step by step process followed by AHFL for home loan applications.

Step 1: Assessment

The credit team conducts income verification & validates information submitted along the application. Following successful assessment of documents, a credit check is performed to further assess credit score, credit history & creditworthiness.

Step 2: Conditional Sanction

On completion of the initial assessment, Aadhar Housing Finance will offer a conditional sanction letter listing out the terms and conditions. The lender expects acknowledgement & consent from the applicant(s). The team will also assist & guide the applicant(s) for further documentation, if required.

Step 3: Security Assessment

This step involves technical & legal assessment. A technical officer from the HFC will carry out the valuation of the property/ collateral security. Further an assigned lawyer will examine the property documents and prepare a legal scrutiny report.

Step 4: Loan Disbursement

On according the final sanction, the company executive calls on the applicant to complete the documentation formalities and submit the final processing fee via a cheque favouring Aadhar Housing Finance Ltd.

Also Read - 15 Lakh Home Loan EMI Interest Rate

Aadhar Housing Finance Customer Care

You can contact Aadhar Housing Finance through the following ways:

Toll-free number: 1800-300-420-20

Email: customercare@aadharhousing.com

Corporate Office Address:

Aadhar Housing Finance Ltd, 201, Raheja Point-1, Near Shamrao Vithal Cooperative Bank, Nehru Road, Vakola, Santacruz East, Mumbai 400055

Tel No - 022-39509900, Fax - 022-39509934

 Registered Office Address:

2nd Floor, No 3, JVT Towers, 8th A Main Road, Sampangi Rama Nagar, Hudson Circle, Bengaluru, Karnataka, 560027

Apply for Lowest Home Loan Online @ Rs. 762/Lakh* EMI

Apply for instant home loan online at Interest Rate starting from as low as 8.50% p.a. Pay EMI of just Rs. 762 per Lakh. Loan can be repaid in flexible tenure of up to 30 years. Apply now with minimal documentation. Check eligibility & get instant approval here.

Aadhar Housing Finance Home Loan FAQs

✅ How to Calculate Aadhar Housing Finance EMI?


You can instantly calculate Aadhar Housing Finance EMI using Home Loan EMI Calculator. Share loan details like loan amount, tenure & interest rate and the calculator will fetch the instalment amount with details of a interest as well as principal component.

✅ How to apply for an Aadhar Housing Finance Home loan?


You can apply for Aadhar Housing Finance Home Loan online or offline according to your choice. The online application establishes instant communication with the NBFC & you can get immediate in-principal approval. Do provide required documents for faster sanction as well as disbursal.

✅ Are there any pre-payment charges on Aadhar Home Loan?


There are no prepayment charge applicable for Aadhar Home Loan on floating basis. However for a home loan repayment during the fixed rate term, applicable prepayment charges are levied.

✅ How can I increase my chances of getting a higher loan amount?


To improve home loan amount eligibility for Aadhar Housing Finance, add a co-applicant. The NBFC allows you to add eligible co-applicants from multiple states so that you can conveniently improve the loan amount for home purchase & construction needs.

✅ Are there any tax benefits available to home loan customers?


Both individual as well as co-applicants can claim a deduction for repayment of home loan interest rate for up to Rs 2 lakh and also for principal amount up to Rs 1.5 lakh u/s 80C in individual tax returns.

✅ What are the minimum and maximum repayment periods available for home loans?


Aadhar Housing Finance offers home loans for a minimum of 5 years and the maximum of 30 years.  Self-employed borrowers can get extension till 70 years of age, particularly up till working age as business owners/ professionals.

✅ How much loan can I get from Aadhar Housing Finance?


You can apply for Aadhar Housing Finance Home Loans up to 1 crore. However loan eligibility is determined basis loan purpose, repayment capacity, current liability and property value. In general, loans are approved for up to 80% of property value. Subject to fulfilment of this criteria, you can avail home loans for 100% construction/ renovation cost.