Fincare Small Finance Bank Home Loan

Please Note: Fincare Small Finance Bank is not a Paisabazaar partner. Offers would be from partner banks/HFCs only. 

AU Small Finance Bank Home Loan Highlights – 2025
Interest Rate	8% to 22% p.a.
Loan Amount	Up to Rs. 5 crore
Loan Tenure	Up to 10 years, may exceed as per requirements
Processing Fees	Up to 2% of the loan amount + applicable taxes
Loan to Value Ratio	Based on the type of property
Pre-payment / Foreclosure Charges	If paid up to 6 months: 5% of amount partially paid If paid after 12 months: 3% of total amount partial prepaid

Note: With effect from 17th April 2024, Fincare Small Finance Bank has been merged with Jaipur-based AU Small Finance Bank.

Interest rates as on 23 Dec 2024.

AU Small Finance Bank Home Loan Interest Rates

AU Small Finance Bank, which is now known as AU Small Finance Bank offers home loan interest rates starting from 8% to 22% p.a. Although AU Small Finance Bank has not disclosed offering differential interest rates to its home loan applicants based on their income, credit scores, occupation profile, etc., most lenders set their home loan interest rates based on these factors.

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
Bajaj Housing Finance	8.50% p.a. onwards	8.50% p.a. onwards	8.50% p.a. onwards	Check Eligibility
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

Fees and Charges for AU Small Finance Bank

Particulars	Rates
Stamping Charges	As per State’s Stamp Act
Interest on overdue EMI	At the contracted rate of interest
Penal Charges on EMI default	Rs. 0.65 per Rs. 1,000
Legal & Courier Charges	Rs 1100
Collection Charges	Rs 600 per visit
Cheque/SI/ACH/ECS Return charges	Rs. 500
Statement of account	Rs. 500
Foreclosure statement charge	Rs. 500
Duplicate Amortization/Repayment Schedule	Rs. 500
Swap Charges (Replacement of PDC/Change of Bank)	Rs. 1000
CERSAI charges	Rs. 50 for loan amt up to Rs. 5 lakhs and Rs. 100 for loan amt above Rs. 5

AU Small Finance Bank Home Loan Eligibility Criteria

Both salaried and self-employed individuals are eligible for availing Home Loan. The home loan lender has not specified the eligibility criteria for its home loan applicants based on their age, income, work experience/business continuity, occupation profile, etc. Loan applicants availing AU SFB Home Loans can check the home loan eligibility criteria set by top banks or HFCs to get a fair understanding of the eligibility conditions usually set by home loan lenders.

Eligibility Criteria

• Applicant must be an Indian Resident
• Age: 18 years at time of loan application and 70 years at time of loan maturity

Documents Required for AU Small Finance Bank Home Loan

Although AU Small Finance Bank has not provided the list of documents required for home loans to be submitted by loan applicants, home loan lenders usually require their prospective borrowers to submit the following documents for availing home loans:

• Proof of identity/age (any one): PAN Card, Passport, Driving Licence, Voter’s ID Card, Aadhaar Card, birth certificate etc.
• Proof of residence (any one): Ration Card, bank passbook, utility bills (electricity / water / telephone / gas), etc.
• Proof of income (for salaried): IT returns of last 3 years, Form 16, Promotion/Increment letter, last 3 months payslip, etc.
• Proof of income (for self-employed): IT Returns of last 3 years, professional practice licence (for doctors, consultants, etc.), Balance Sheet and P&L account statement duly attested by a Chartered Accountant, etc.
• Property documents: Title deeds of the plot, sale agreement copy, total estimate of house construction by an architect/civil engineer, copy of the plans approved by local authorities, etc.
• Proof of business address
• Additional documents for self-employed: Latest form 26 AS, list of directors and shareholders with details of individual shareholding certified by CA / CS (if the business entity is a company), business profile of the loan applicant, etc.
• Other documents: Proof of own contribution, last 6 months’ bank statements showing repayment of ongoing loans (if any), processing fee cheque in favour of the home loan lender, etc.
• Partnership Deed (for partnership firms)
• Articles of Association (AOA) and Memorandum of Association (MOA) of the company

Note: AU Small Finance Bank may ask its loan applicants to submit further home loan documents based on their discretion.