Disclaimer: Adani Housing Finance is not a Paisabazaar partner and all content herein is strictly informative in nature. Paisabazaar is not affiliated with, sponsored by or in any way connected to Adani Housing Finance for home loans. No offers/services from Adani Housing Finance are being provided by Paisabazaar for home loans. For further information about Adani Housing Finance for home loans, users are required to reach out directly to Adani Housing Finance.
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Adani Housing Finance Home Loan Highlights |
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| Interest Rate | 12.00%-14.00% p.a. |
| Loan Amount | Rs 2 lakh to Rs 30 lakhs |
| Loan Tenure | 1 year to 20 years |
| Admin Fees | Up to 3% of the loan amount |
Note: Rates as of 7 August 2024
Table of Contents
Adani Housing Finance Interest Rates
Adani Housing Finance Private Limited home loan interest rates start from 12.00% p.a. onwards. The home loan interest rates offered by the housing finance is floating in nature.
| Particulars | Interest Rates (p.a.) |
| Home Loan | 12.00%-14.00% |
Compare Interest Rates on Home Loans for Top Banks & HFCs
| Name of Lender | Up to Rs. 30 Lakh | Above Rs. 30 Lakh to Rs. 75 Lakh | Above Rs. 75 Lakh | |
| SBI | 8.50%-9.85% p.a. | 8.50%-9.85% p.a. | 8.50%-9.85% p.a. | Check Eligibility |
| HDFC Bank Limited | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Check Eligibility |
| LIC Housing Finance | 8.50% - 11.25% p.a. | 8.50% - 10.55% p.a. | 8.50% - 10.75% p.a. | Check Eligibility |
| ICICI Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Check Eligibility |
| Kotak Mahindra Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Check Eligibility |
| PNB Housing Finance | 8.50% - 14.50% p.a. | 8.50% - 14.50% p.a. | 8.50%-11.45% p.a. | Check Eligibility |
| Punjab National Bank | 8.45% - 10.25% p.a. | 8.40% - 10.15% p.a. | 8.40% - 10.15% p.a. | Check Eligibility |
| Bank of Baroda | 8.40% - 10.65% p.a. | 8.40% - 10.65% p.a. | 8.40% - 10.90% p.a. | Check Eligibility |
| IDFC First Bank | 8.85% p.a. onwards | 8.85% p.a. onwards | 8.85% p.a. onwards | Check Eligibility |
| L&T Finance Limited | 8.65% p.a. onwards | 8.65% p.a. onwards | 8.65% p.a. onwards | Check Eligibility |
| Tata Capital Housing Finance | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Check Eligibility |
| Federal Bank | 8.80% p.a. onwards | 8.80% p.a. onwards | 8.80% p.a. onwards | Check Eligibility |
| Axis Bank | 8.75%-13.30% p.a. | 8.75%-13.30% p.a. | 8.75%-9.65% p.a. | Check Eligibility |
| Godrej Housing Finance | 8.55% p.a. onwards | 8.55% p.a. onwards | 8.55% p.a. onwards | Check Eligibility |
Check Lenders Offering Home Loan With Overdraft Facility Click Here
Adani Housing Finance Fees & Charges
Part-Prepayment/Foreclosure Charges
| Particulars | Fixed Rate | Floating Rate |
| Part-prepayment or foreclosure | NIL (if made from own sources) | NIL |
| If prepayment through Balance Transfer from other Banks/HFC/NBFC/HFC and/or Financial Institution etc. |
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NIL |
Processing Fees & Other Charges
| Particulars | Charges |
| Admin Fees | Up to 3% of the sanctioned loan amount |
| Technical and Legal fees | Rs 4,000 per property offered as mortgage |
| CERSAI Fees | Rs 50 (for loans up to Rs 5 lakhs) |
| Rs 100 (for loans above Rs 5 lakhs) | |
| Stamp Duty | As per applicable law of the state |
| Document handling charges | Rs 3,000 |
| Late Payment Interest | 3% p.m. compound for the number of days delayed in PEMI/EMI |
| Cheque/ECS/ACH Bounce Charges (Per Instrument/Transaction) | Rs 1,000 as per instrument |
| Duplicate No dues certificate | Rs. 500 |
| Document Retrieval Charges | Rs 500 |
| Copy of property documents | Rs 500 |
| Duplicate Annual Account statement, provisional certificate | Rs 500 |
| Cancellation Charges | If request received within 7 days of the disbursement – Rs.1,000
If received after 7 days of the disbursement: Rs 1,000 & PEMI till the cancellation request |
| Loan repayment/closure(fully) statement/ Repayment schedule charges/SOA | Rs 500 |
| Disbursement cheque cancellation & re-issuance | Rs 1,000 and PEMI will be charged |
| Disbursement cancellation (Deal postponed etc) | If request received within 7 days of the disbursement – Rs.1,000
If received after 7 days of the disbursement: Rs 1,000 & PEMI till the cancellation request |
| Cheque/ECS Swapping Charges | |
| PDC to PDC | As per actuals |
| PDC to ECS | NIL |
| ECS to ECS | Rs 1,000 |
| ECS to PDC | Rs 1,000 |
ACheck Lenders Offering Home Loan at Attractive Interest Rates Click Here
Types of AHFPL Home Loan
Adani Home Loans
Purpose: Prospective borrowers can avail home loan for the acquisition of ready/under construction residential property or for construction of a residential property on owned land. The housing finance company also offers loan to refinance home loan availed by an applicant from other banks or HFCs.
Tenure: 1 year to 20 years (up to 25 years for self-employed applicants)
Loan Amount: Rs 2 lakh to Rs 30 lakhs
Adani Home Improvement Loans
Purpose: Adani Housing Finance offers Home Improvement Loans for renovation of an existing space, external and internal repairs and other structural improvements in existing home. The AHFPL Home Improvement Loans covers tiling, painting, electrical work, plumbing work, waterproofing, flooring, roofing, furniture work, and grill work for windows.
Tenure: 5 years to 20 years (up to 25 years for self-employed applicants)
LTV Ratio: 80% of the market value of the property
Adani Home Extension Loans
Purpose: Home loan applicants planning to create extra space or construct additional room(s) or floor within the permissible residential property can avail Home Extension Loans from Adani Housing Finance.
Tenure: 5 years to 20 years (up to 25 years for self-employed applicants)
LTV Ratio: 80% of the market value of the property
Eligibility Criteria for Adani Housing Finance Home Loan
Stated below are the eligibility criteria for availing home loans from Adani Housing Finance:
- Minimum age: 21
- Maximum age: 60 years (at end of tenure) (for self-employed non-professionals and self-employed professionals is 65 years
- The net monthly income of an applicant should be Rs.10,000
- ITR of last 2 years, along with the financials
- Salary Slips of the last 6 months
Adani Housing Finance Home Loan Documents
Stated below are the home loan documents required for availing loan from Adani Housing Finance:
- Bank Statement of 1 year
- Loan Account statements (if any) for any other loan already being paid for
- Photocopy of Property Chain Documents/Agreement to Sell
- KYC documents: Aadhar Card/ Passport/Voters ID/ PAN Card/Driving License/Utility bill