Indian Resident Minimum age – 21 years Maximum age – 70 years at maturity Minimum Home Loan tenure – 1 Year Maximum Home Loan tenure – 30 years for Bank salaried and 20 years for Cash Salaried/SEP/SENP Minimum amount – INR 2,00,000

Identity, age and address proof Valid Passport Voter ID Card Aadhaar Card PAN card Valid Driving License For the complete list of acceptable KYC documents, please contact the nearest AU Small Finance Bank branch Income proof Salaried 1. Salary Slips/ Bank Statements/ Form-16 2. Salary Certificate (cash salaried cases) Self-Employed 1. IT Returns and/ or Financial Statements of the last 3 years and/ or 2. Informal Income Documents Other documents Application form with photograph duly signed Processing fee cheque Proof of business existence Last 6 months bank statements Property related documents A letter on the letterhead of the existing lender stating the list of property documents held by them Latest outstanding balance letter from the existing financial institution on their letterhead Photocopy of the property documents

Home Loan vertical is one of the retail product serving the purpose of loan funding to an individual or an entity for the purpose of purchase/ construction/ upgradation of residential property or acquisition of land and construction to be used for residential purposes.

How do I apply for Home Loan at AU BANK?

You can apply for a Home loan from Au Small Finance Bank through our website ( www.aubank.in ). Or, you could visit the nearest branch of AU Bank to submit your application for a loan.

What is the mode of Re-payment for Home Loan?

Repayment can be done through Standing Instructions (SI), Post-dated Cheques (PDC), NACH or other electronic banking remittances mode.

What is the Instalment schedule for Home loan repayment?

Installment schedule is normally equated monthly installments (it could be quarterly or Half yearly in case of Tractor loans) subject to the terms & conditions of the repayment schedule and Repayment instrument for EMI will be presented (as per registered repayment mode) on EMI Due date as specified in the schedule/sanction letter. To overcome operational issues ,holidays etc., It is advised to keep sufficient balance in bank accounts 2-3 days prior to due date of EMI ,for clearance of EMI on due dates ,to avoid penal Interest and other charges and avoid delinquency status. and further schedule can be tailored to customer's specific requirement at AU Small Finance Bank’s discretion. We do not allow balloon repayments or step up structures

What is the need of Home Loan?

Customer can avail Home Loan for variety of purpose that includes but not limited to, For the purpose of purchasing the Home/Flat. For the purpose of Renovation. For the purpose of Construction of Home. For the purpose of Balance transfer of running Home Loan to AU Bank.

What are type of facilities available at AU BANK Home Loan?

Home Purchase Home Refinance Home Improvement Home Construction Land Purchase + Construction HL Balance Transfer Loan Against Property Commercial Property Purchase