Aditya Birla Housing Finance Home Loan
NBFC / HFCAditya Birla Housing Finance offers home loans with developer tie-ups for fast pre-approved disbursal. It is competitive in the affordable housing segment.
Rates as of 2026-04-16. RBI repo rate 5.25%. Best available new-customer rate across all tracked lenders: 7.15%.
Already have a Aditya Birla Housing Finance home loan?
If your current Aditya Birla Housing Finance rate is above 7.65%, you are paying more than what Aditya Birla Housing Finance is offering new customers today. The gap could be anywhere from 50 to 385 basis points depending on when you took the loan and which benchmark it is on.
Products offered
- ABHF Home Loan
- ABHF Balance Transfer
- ABHF Top-Up Loan
Best for: Borrowers buying in developer-partner projects where Aditya Birla has pre-approved tie-ups for faster disbursal.
Strengths and weaknesses
Rate reset at Aditya Birla Housing Finance
ABHF processes rate resets through the branch.
Get the rate reset letter templateBalance transfer friction
Leaving Aditya Birla Housing Finance for a balance transfer is straightforward. Foreclosure letters are issued within a reasonable timeline and no foreclosure fee applies on floating-rate loans (RBI 2012 circular).
Read the foreclosure charges guideAditya Birla Housing Finance home loan at a glance
| Lender type | NBFC / HFC |
| Headquarters | Mumbai |
| Regulator | NHB (under RBI oversight) |
| Floating rate range | 7.65% to 11.00% (EBLR-linked) |
| Processing fee | 0.50% of loan + GST |
| Max tenure | 30 years |
| Max loan amount | ₹5 Cr+ |
| Prepayment charge | Nil on floating rate |
| Balance transfer friction | low |
| Official website | www.adityabirlacapital.com |
Data as of 2026-04-16. Rates are for salaried borrowers with CIBIL 750+. Verify with Aditya Birla Housing Finance for profile-specific quotes.
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