An AU Small Finance Bank Home Loan is designed to make homeownership simple, accessible, and affordable across urban, semi-urban, and rural India. Whether you are planning to purchase a ready-to-move-in home, construct your own house, renovate your existing property, buy land and build later, or transfer your current loan, AU Bank offers customized housing finance solutions. With attractive floating interest rates, flexible tenure up to 30 years, acceptance of RERA-approved and Gram Panchayat properties, and options for customers with minimal or informal income proof, AU Small Finance Bank ensures a transparent, customer-friendly, and quick disbursal experience.
| AU Small Finance Bank Home Loan offers flexible financing starting from ₹2 lakh, tenure up to 30 years, and options for purchase, construction, balance transfer, and even for customers with informal income proof. With competitive floating rates, doorstep service, and transparent processing, AU Bank makes homeownership simple and accessible across urban and rural India. |
AU Small Finance Bank Home Loan Highlights
Below is a snapshot of the key features and benefits of AU Small Finance Bank Home Loans:
| Feature | Details |
| Minimum Loan Amount | ₹2,00,000 (₹50,000 for Top-Up Loans) |
| Maximum Tenure | Up to 30 years (Bank salaried) / Up to 20 years (Others) |
| Customer Segments | Salaried, SEP, SENP, Informal income customers |
| Property Types Accepted | RERA-approved, Gram Panchayat, Municipal Corp, Development Authority |
| Branch Network | 400+ branches |
| Touchpoints | 1,042+ across 500+ cities |
| Service Support | Doorstep assistance & financial counseling |
| Loan Variants | Purchase, Construction, Improvement, BT, Top-Up, Land+Construction, Commercial |
AU Small Finance Bank Home Loan Interest Rates
AU Bank offers competitive floating and market-linked interest rates depending on the loan type and borrower profile.
| Loan Scheme | Interest Rate Structure |
| Home Purchase Loan | Floating / Market-linked |
| Home Construction Loan | MCLR-linked |
| Home Improvement Loan | Competitive floating |
| Balance Transfer Loan | Reduced EMI structure |
| Home Top-Up Loan | Risk-based pricing |
| Land Purchase & Construction | Market-linked |
| Commercial Property Purchase | Profile-based pricing |
Note: Final interest rates depend on credit score, repayment capacity, tenure, and internal risk assessment.
| Factors Influencing AU Small Finance Bank Home Loan Interest Rates
The interest rate offered is determined based on several internal and external parameters:
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Also Read: Impact of Repo Rate Cut on Home Loan
AU Small Finance Bank Home Loan Processing Fee & Charges
AU Bank maintains a transparent fee structure with clearly disclosed charges.
| Charge Type | Details |
| Processing Fee | Payable at the application stage (as per the loan type) |
| Hidden Charges | None (Fully transparent process) |
| Penal Interest | Applicable for delayed EMIs |
| Prepayment Charges | Generally NIL for floating loans (as per policy) |
| Other Charges | As per the Schedule of Charges at the branches |
Compare AU Small Finance Bank Home Loans Interest Rates with Top Home Loans
Below is a comparative view of AU Small Finance Bank Home Loans against leading lenders:
| Bank / NBFC Home Loan | Interest Rate (p.a.) |
| ICICI Bank Home Loan | 7.65%* onwards |
| SBI Home Loan | 7.50%* onwards |
| HDFC Home Loan | 7.90%* onwards |
| Bank of Baroda Home Loan | 7.45%* onwards |
| Union Bank of India Home Loan | 7.45%* onwards |
| Axis Bank Home Loan | 8.35%* onwards |
| Kotak Mahindra Bank Home Loan | 7.70%* onwards |
| Federal Bank Home Loan | 8.75%* onwards |
| IDFC First Bank Home Loan | 8.85%* onwards |
| Standard Chartered Home Loan | 7.99%* onwards |
| AU Small Finance Bank Home Loan | Competitive floating rates |
Note: Rates are indicative and subject to change as per bank policy and borrower profile.
Also Read: All Bank Home Loan Interest Rates
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AU Small Finance Bank Home Loan Eligibility
AU Bank follows inclusive eligibility criteria to serve a broad customer base.
- Nationality: Resident Indian
- Minimum Age: 21 years
- Maximum Age at Maturity: 70 years
- Occupation: Salaried, Self-Employed Professional (SEP), Self-Employed Non-Professional (SENP)
- Income Type: Formal and informal income profiles accepted
- Tenure Range: 1 to 30 years, depending on profile and product
Documents Required for AU Small Finance Bank Home Loan
To ensure quick processing, applicants should submit the following documents:
Identity & Address Proof
- PAN Card
- Aadhaar Card
- Passport / Voter ID / Driving License
Income Proof (Salaried)
- Last 3 months salary slips
- Form 16
- 6 months bank statements
- Salary certificate (if applicable)
Income Proof (Self-Employed)
- 3 years Income Tax Returns
- Financial statements
- Business proof
- Informal income documents (if applicable)
Property Documents
- Title deed
- Approved building plan
- Allotment letter (if applicable)
- Encumbrance certificate
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Types of AU Small Finance Bank Home Loan
AU Small Finance Bank offers a wide range of housing finance products to suit various needs.
| Loan Type | Purpose |
| Home Purchase Loan | Buy a ready or under-construction home |
| Home Construction Loan | Build a home on owned land |
| Home Improvement Loan | Renovation and upgradation |
| Balance Transfer Loan | Transfer existing home loan |
| Home Top-Up Loan | Additional funds on the existing loan |
| Land Purchase & Construction Loan | Buy land and construct |
| Commercial Property Purchase | Buy an office/shop for business |
- Home Purchase Loan: Helps customers buy RERA-approved flats, independent houses, Gram Panchayat properties, or APF-listed projects with technical and legal assistance.
- Home Construction Loan: Provides funding (up to 100% of estimated construction cost) disbursed in stages based on progress.
- Home Improvement Loan: Used for repairs, remodeling, and modernization. Eligible customers may benefit from PMAY CLSS.
- Balance Transfer Loan: Allows transfer of existing high-interest loans to AU Bank for a lower EMI burden and potential savings.
- Home Top-Up Loan: Provides additional funds for personal or housing-related expenses with simplified documentation.
- Land Purchase & Construction Loan: Combined solution for buying land and constructing a house with customized EMI options.
- Commercial Property Purchase Loan: Designed for SEP and SENP customers to purchase business premises under flexible eligibility norms.
AU Small Finance Bank Home Loan EMI Calculator
Your Amortization Schedule (Yearly/Monthly)
The EMI calculator helps you estimate your monthly repayment and total interest burden.
Steps to Use the EMI Calculator:
- Visit the AU Bank website or AU 0101 App.
- Enter the desired loan amount.
- Select the applicable interest rate.
- Choose tenure (up to 30 years).
- Instantly view EMI, total interest payable, and repayment schedule.
This helps you plan your finances before applying.
Also Check: Home Loan EMI Calculator
Apply for AU Small Finance Bank Home Loan
The application process is simple and structured.
Steps to Apply:
- Apply online via the AU Bank website or visit the nearest branch.
- Consult a loan executive for product guidance.
- Submit the application form along with KYC, income, and property documents.
- Pay the applicable processing fee.
- The bank conducts technical and legal verification.
- Receive the sanction letter upon approval.
- Loan amount is disbursed as per the agreement.
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Track AU Small Finance Bank Home Loan Application Status
You can track your loan application through digital and offline channels.
Steps:
- Log in to the AU 0101 App or visit the official website.
- Enter the registered mobile number and application reference.
- View real-time status updates such as Under Review, Approved, or Disbursed.
- Contact the branch or customer care for additional support if required.
AU Small Finance Bank Home Loan Customer Care
AU Bank offers 24×7 multi-channel customer support.
| Support Channel | Details |
| Toll-Free Numbers | 1800 1200 1200 / 1800 26 66677 |
| customercare@aubank.in | |
| Available via website | |
| Video Banking | Available |
| Branch Visit | 400+ branches across India |
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