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Axis Bank Home Loan

Private Bank

Axis Bank is the third-largest private-sector home loan lender in India. Its Shubh Aarambh scheme, which waives EMIs on timely repayment, is a differentiated product that no other major bank matches. Rates start at 8.00%, which is higher than SBI and Bank of Baroda.

8.00%

Starting rate

11.90%

Max rate

Up to 1% of loan amount

Processing fee

30 yrs

Max tenure

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 Axis Bank home loan?

If your current Axis Bank rate is above 8.00%, you are paying more than what Axis Bank is offering new customers today. The gap could be anywhere from 50 to 475 basis points depending on when you took the loan and which benchmark it is on.

Check my overpayment Rate reset letter for Axis Bank

Products offered

Axis Home Loan
Axis Shubh Aarambh Home Loan
Axis Aram Home Loan
Axis Balance Transfer
Axis Power Saver Home Loan (OD)
Axis Top-Up

Best for: Borrowers looking at the Shubh Aarambh scheme which waives 12 EMIs on timely repayment, effectively reducing the cost of borrowing.

Strengths and weaknesses

+ Shubh Aarambh scheme waives 12 EMIs across the loan tenure for borrowers who maintain a clean repayment record.

+ Aram Home Loan offers lower EMI in the first few years, useful for early-career borrowers.

+ Competitive on balance transfers into Axis, especially for borrowers leaving PSU banks.

- Processing fee of up to 1% of loan amount is the highest among large private banks.

- Rate spread is wide (8.00% to 11.90%) meaning sub-par CIBIL profiles pay a steep premium.

Rate reset at Axis Bank

Axis Bank has a dedicated home loan retention desk that kicks in when you mention a rate reset. Getting a real quote requires pressing past the retention conversation.

Get the rate reset letter template

Balance transfer friction

Medium friction

Leaving Axis Bank involves some retention friction. Expect a call from a retention officer. Getting a competing sanction letter before you ask for the foreclosure letter speeds the process up.

Read the foreclosure charges guide

Axis Bank home loan at a glance

Lender type	Private Bank
Headquarters	Mumbai
Regulator	RBI
Floating rate range	8.00% to 11.90% (EBLR-linked)
Processing fee	Up to 1% of loan amount
Max tenure	30 years
Max loan amount	₹5 Cr+
Prepayment charge	Nil on floating rate
Balance transfer friction	medium
Official website	www.axisbank.com

Data as of 2026-04-16. Rates are for salaried borrowers with CIBIL 750+. Verify with Axis Bank for profile-specific quotes.

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