Services & Charges

Home Loans Now for Everyone

Home Loan Interest Rates

Customer Type Home Loan Interest Rate*
Salaried - Home Loan 11.75% to 16.50%
Self-Employed - Home Loan 12.75% to 17.00%
Loan against Property 15.00% to 17.00%

* final offered rate will depend on the income level and property being offered as security (for Loan Against Property)


Tariff Schedule effective from 1st October 2019

Fees/Charges Type Amount
Login Fee
(Paid along with loan application. It's non-refundable.)
₹ 3500 + Applicable GST
Documentation Charges From ₹ 2000 to ₹ 5000 + Applicable GST
(charge varies on Loan Sanction Amount slab)
Legal, Valuation and Technical Charges From ₹ 3000 to ₹ 5800 + Applicable GST
(charge varies for each Loan Sanction Amount slab)
CERSAI Creation Charges ₹ 100 + Applicable GST
Administrative Charges (Inclusive of Documentation, Legal Valuation, Technical & CERSAI Charges) Home Loan/Top up: ₹ 5100 or 1.5% + Applicable GST on Sanction Amount, whichever is higher
LAP/NIP/Project Loan: ₹ 5100 or 2% + Applicable GST on Sanction Amount, whichever is higher
Subsequent Technical Verification (Only In Construction Cases) ₹ 500 + Applicable GST
Cheque/Ecs/Direct Debit/ACH Bounce (Per Instrument/Transaction) ₹ 500 + Applicable GST
Additional Interest on Default Instalment – (EMI/PRE-EMI) 2% of Due Amount
Recovery (Legal/Possession & Incidental Charges) As per the actual + Applicable GST
Cheque/Ecs/Direct Debit/Ach Swapping (Per Set) ₹ 500 + Applicable GST
Duplicate No Dues Certificate ₹ 500 + Applicable GST
Copy Of Property Papers ₹ 500 + Applicable GST
Prepayment/Part Payment For Home Loan/LAP at variable rate: NIL
For Home Loan/LAP at fixed rate: 2% of the loan outstanding + Applicable GST
(for amount prepaid through refinance from any Bank/HFC/NBFC or Financial Institution and not through own source and shall be applicable to all partial or full prepayments.)
For Project Loan: 2% of the Loan Outstanding + Applicable GST
Document Handling ₹ 2000 + Applicable GST
Any Type of Statement ₹ 500 + Applicable GST
Switch Fees Fixed to Variable: 1% + Applicable GST on Outstanding
Variable to Fixed: 1.5% + Applicable GST on Outstanding
Conversion Fees - Switch to Lower Rate under Variable Home Loan Product Category as per Changes 0.50% of the Principal Outstanding and Undisbursed Amount (if any) at the time of conversion
Insurance Charges As per Actuals
  • All charges/fees to be paid through AHFL Branches/ AHFL Representatives by A/c payee crossed cheque in favour of "Aadhar Housing Finance Ltd."
  • The loan application will be disposed -off within a period of 4 weeks from the date of receipt of duly completed loan application i.e with all requisite information /Papers
  • Cash payments to be made ONLY against valid receipt issued by AHFL officials.
  • AHFL does NOT charge any amount over and above the charges mentioned above and will NOT be liable or responsible for making payment of any amount to unauthorized persons.
  • Applicable GST or Govt. taxes will be charged extra along with above mentioned charges as applicable.


You can now avail subsidy from the Central Govt. on purchase of your first house under "Pradhan Mantri Awas Yojna". For more details click below


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Call us at : 1800 3004 2020 (Toll Free)