Available For Formal & Informal Income Proof Customers
Loan is available with minimal or no income proof and with the support of other documentation.
Home Loan EMI Calculator
Make an informed decision regarding taking a Home Loan.
Loan Amount
₹
15000
Monthly EMI
₹ 15000
Up To 100% Estimated Cost
Home Construction Loan is available up to 100% of the estimated cost.
Different Modes For Payment Available
E-NACH/ ECS/ ACH and other state-of-the-art modes.
Easily Available Across India
With branches across rural, semi-urban and urban locations, AU Bank is always within your reach.
Tax Benefit
Under Section 24, 80EE & 80C of Income Tax Act.
No Hidden Charges
Completely transparent process without any hidden charges.
Doorstep Service
Door-to-door services along with expert financial counselling and quick processing and disbursal of loans
Things to know
How to apply
There are two ways to apply:
AU Bank website
AU Bank branch
Eligibility
- Indian Resident
- Minimum age – 21 years
- Maximum age –
For Salaried - Maximum 65 years or age of retirement whichever is earlier at the time of loan maturity
Self Employed (SEP & SENP) - 75 years at the time of loan maturity Minimum Home Loan tenure - 1 Year - 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
Documents required
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 Documents
For Salaried
- Salary Slips / Bank Statements / Form 16
- Salary Certificate (Cash Salaried Cases)
For Self-Employed
- IT Returns and/or Financial Statements of the Last 3 Years
And/Or - Informal Income Documents
Other Documents
- Application Form with Photograph Duly Signed
- Proof of Business Existence
- Last 6 Months' Bank Statements
Property-Related Documents
- Title Deeds of the Plot
- Proof of No Encumbrances on the Property
- Construction Estimate by an Architect / Civil Engineer
Please go through the Schedule of Charges for further details.
More from the world of AU
Things to consider Before you avail a Home Loan
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Consider the interest when deciding on a loan tenure.
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Avoid applying for a disputed property.
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Keep an eye on your credit card purchases before applying for a loan.
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Avoid making major life changing decisions like a job change to avoid default on loan repayment.
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Taking on a big loan? Pair it with insurance. This way, your loved ones will be protected.
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Share loan responsibility with a co-applicant. Women can avail a lower rate of interest.
Why AU
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National presence
Bank with us through a network of 3,000+ touchpoints.
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Get a bit more
Enjoy quality services at competitive rates.
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Visit branches without the wait
Our ample touchpoints ensure all our customers are conveniently served.
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Superfast app
Manage and track all your transactions on the AU 0101 App.
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Sustained growth
Expanding by every quarter, with a balance sheet of over ₹1 lakh crore.
Bank anywhere anytime, on the AU 0101 mobile app
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View balance and transactions
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Download account statement
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Request cheque book
40+ lakh customers banking on app
Our range of cards for your range of needs
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Xpress EMI
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Silverspoon Dining Program
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300+ exclusive AU Rewardz
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Customer support
24x7 help
Frequently Asked Questions (FAQs)
What is Home Loan?
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.au.bank.in) Alternatively, you may visit the nearest AU Bank branch to submit your loan application.
What is the mode of Re-payment for Home Loan?
Repayment can be done through Standing Instructions (SI), NACH or other electronic banking remittances mode.
What is the Instalment schedule for Home loan repayment?
The repayment schedule is generally based on Equated Monthly Instalments (EMIs), subject to the terms and conditions mentioned in the repayment schedule and sanction letter. The EMI repayment instrument will be presented as per the registered repayment mode on the EMI due date specified in the schedule or sanction letter. To avoid operational issues, holidays, delayed clearance, penal interest, additional charges, or delinquency status, customers are advised to maintain sufficient balance in their bank account 2–3 days before the EMI due date. The repayment schedule may be tailored to the customer’s specific requirements at AU Small Finance Bank’s discretion.
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
