Aadhar Housing Finance Home Loan Interest Rate — 16th September 2026

Q: What home loan interest rate does Aadhar Housing Finance charge?

Aadhar Housing Finance publishes home loan rates from 11.75% to 17.00% , read from its own rate page on 16 September 2026. Aadhar Housing Finance doesn’t publish an effective date for it. The rate you’re offered depends on Aadhar Housing Finance’s assessment of your application.

Q: How long can a Aadhar Housing Finance home loan run?

Aadhar Housing Finance publishes a maximum term of 30 years . On ₹10 lakh at 11.75%, stretching to the full term costs ₹10,094 a month, against ₹11,841 over 15 years.

Q: How much is the monthly EMI on ₹10 lakh at Aadhar Housing Finance?

At 11.75%, ₹10 lakh costs ₹10,837 a month over 20 years, or ₹11,841 over 15 years. At the top of Aadhar Housing Finance’s range, 17.00%, the 20-year EMI is ₹14,668.

Housing finance company

The lowest home loan interest rate Aadhar Housing Finance publishes is 11.75%, and its range runs to 17.00%. We read Aadhar Housing Finance’s rate page on 16 September 2026; this page reproduces what it says, explains the parts that matter, and turns the rates into EMIs you can plan around.

Starting rate

11.75%

Top of published range

17.00%

Benchmark

RPLR 17.50%

Effective from

Not published

Read from Aadhar Housing Finance’s own website on 16 September 2026. Source and method

Aadhar Housing Finance home loan interest rate card

By employment

Borrower	Rate	Set by
Salaried — home loan	11.75% – 16.50%	Income and property
Self-employed — home loan	12.75% – 17.00%	Income and property
Individual housing loans issued, Oct – Dec 2025 (mean)	12.63%	Disclosure

Aadhar’s RPLR fell from 17.65% to 17.50% on 10 February 2026.

What Aadhar Housing Finance’s interest rate card tells you

Aadhar Housing Finance’s card starts where most banks’ cards end: salaried borrowers pay 11.75% to 16.50% and self-employed borrowers 12.75% to 17.00%, depending on income and property. Its own disclosure for October to December 2025 shows a mean contracted rate of 12.63%, much nearer the floor than the ceiling. The cost of that access is real — on ₹20 lakh over 20 years, 11.75% costs ₹4,318 a month more than 8.50%, where several private banks start. If Aadhar is where you can get approved, a clean repayment record is also the strongest case you can take to a bank to refinance later.

Ranked by published starting rate, Aadhar Housing Finance comes 45th of 48 — 15th within the 18 housing finance companies we track. Unlike a repo-linked bank loan, Aadhar Housing Finance’s pricing follows its RPLR — which Aadhar Housing Finance can move independently of the RBI. Its starting rate sits 6.50 points over today’s 5.25% repo rate. That range isn’t academic: on ₹10 lakh for 20 years it’s the difference between ₹10,837 and ₹14,668 a month.

EMI at Aadhar Housing Finance’s home loan interest rate

EMI at 11.75%, Aadhar Housing Finance’s published floor. Where a loan size has its own guide on BankCreds, the amount links to it.

Loan amount	10 years	15 years	20 years	25 years	20 yrs at 17.00%
₹10 lakh	₹14,203	₹11,841	₹10,837	₹10,348	₹14,668
₹15 lakh	₹21,304	₹17,762	₹16,256	₹15,522	₹22,002
₹25 lakh	₹35,507	₹29,603	₹27,093	₹25,870	₹36,670
₹40 lakh	₹56,812	₹47,365	₹43,348	₹41,392	₹58,672

Reducing-balance EMI, before processing fees and insurance. Run your own numbers →

Aadhar Housing Finance against lenders priced nearby

The four lenders whose published starting rates sit closest to Aadhar Housing Finance’s, with the EMI each floor produces on ₹10 lakh over 20 years.

Lender	Published rate	EMI, ₹10 lakh / 20 yrs	vs Aadhar Housing Finance
Capri Global Housing Finance Housing finance company	10.50% – 21.25%	₹9,984	−₹853/mo
Sundaram Home Finance Housing finance company	10.65% onwards	₹10,085	−₹752/mo
Aadhar Housing Finance Housing finance company	11.75% – 17.00%	₹10,837	—
Muthoot Homefin Housing finance company	12.25% – 15.00%	₹11,186	+₹349/mo
Vastu Housing Finance Housing finance company	12.50% – 19.50%	₹11,361	+₹524/mo

All 48 lenders → Filter and compare → Lowest rates →

How to land near the bottom of Aadhar Housing Finance’s range

Salaried applicants start a full percentage point below the self-employed at Aadhar — 11.75% against 12.75% — so a salaried co-applicant’s income is worth including if they can join the loan.
A salaried co-applicant can help if the lender assesses the household rather than one person. Ask whether their income counts toward eligibility and whose profile sets the rate.
A bigger down payment helps at almost every lender: it lowers the loan-to-value ratio and the loan size at once, and both feed into pricing.

What a Aadhar Housing Finance home loan costs beyond interest

Processing fee	A login fee of up to ₹3,500, plus an administrative charge of up to ₹5,100 or 1.5% of the loan, whichever is higher — all plus GST. On a ₹10 lakh loan, that comes to at most ₹15,000 — ₹18,500 with the login fee, before GST.
Prepayment and foreclosure	None on floating-rate loans. Fixed-rate loans: none from your own funds; 3% via a balance transfer.
Documentation	₹2,000 to ₹5,000 plus GST, by loan size
Legal, valuation and technical	₹3,000 to ₹5,800 plus GST, by loan size
Late EMI	24% a year on the overdue amount

Aadhar’s page says the administrative charge includes documentation, legal and valuation costs, but it also lists those charges separately. Check which apply on your sanction letter.

Source: Aadhar Housing Finance’s own schedule of charges, read on 16 September 2026: https://aadharhousing.com/more/service-and-charges

Aadhar Housing Finance home loan eligibility

Who can apply	Salaried and self-employed individuals, professional or not.
Longest term	30 years
Minimum income	Salaried: ₹10,000 a month
Loan amount	Up to ₹75 lakh, or 80% of property value

Source: Aadhar Housing Finance’s home loan page, read on 16 September 2026. Meeting these criteria doesn’t guarantee approval. https://aadharhousing.com/loans/salaried

Aadhar Housing Finance home loan interest rate — common questions

What home loan interest rate does Aadhar Housing Finance charge?

Aadhar Housing Finance publishes home loan rates from 11.75% to 17.00%, read from its own rate page on 16 September 2026. Aadhar Housing Finance doesn’t publish an effective date for it. The rate you’re offered depends on Aadhar Housing Finance’s assessment of your application.

How much does Aadhar Housing Finance charge to process a home loan?

A login fee of up to ₹3,500, plus an administrative charge of up to ₹5,100 or 1.5% of the loan, whichever is higher — all plus GST. On a ₹10 lakh loan, that comes to at most ₹15,000 — ₹18,500 with the login fee, before GST. Aadhar’s page says the administrative charge includes documentation, legal and valuation costs, but it also lists those charges separately. Check which apply on your sanction letter.

How long can a Aadhar Housing Finance home loan run?

Aadhar Housing Finance publishes a maximum term of 30 years. On ₹10 lakh at 11.75%, stretching to the full term costs ₹10,094 a month, against ₹11,841 over 15 years.

What sets my home loan rate at Aadhar Housing Finance?

Aadhar Housing Finance publishes its rates by employment. For example — Salaried — home loan: 11.75% – 16.50% · Income and property; Self-employed — home loan: 12.75% – 17.00% · Income and property; Individual housing loans issued, Oct – Dec 2025 (mean): 12.63% · Disclosure. The full card is reproduced above.

How much is the monthly EMI on ₹10 lakh at Aadhar Housing Finance?

At 11.75%, ₹10 lakh costs ₹10,837 a month over 20 years, or ₹11,841 over 15 years. At the top of Aadhar Housing Finance’s range, 17.00%, the 20-year EMI is ₹14,668.

Is the Aadhar Housing Finance home loan interest rate floating or fixed?

The home loan interest rate Aadhar Housing Finance publishes is floating. Aadhar Housing Finance quotes its home loan rates against RPLR, currently 17.50%. When the benchmark moves, floating rates linked to it move with it; the spread Aadhar Housing Finance adds for your profile generally stays the same.

How does Aadhar Housing Finance compare with Muthoot Homefin?

Muthoot Homefin publishes home loans from 12.25%, against 11.75% at Aadhar Housing Finance — 0.50 points higher. On ₹10 lakh over 20 years that’s ₹349 a month at those rates. Compare the full rate cards and get a written quote from each before deciding.

Where these figures come from

Source: Aadhar Housing Finance’s own interest rate page, read by BankCreds on 16 September 2026: https://aadharhousing.com/more/service-and-charges

Aadhar Housing Finance publishes no effective date for this rate, so we don’t show one.

We began recording Aadhar Housing Finance’s home loan rates on 16 September 2026, and any change will be logged against that date as we detect it. Fees and eligibility come from Aadhar Housing Finance’s own schedule of charges and home loan pages, with the full address printed in those sections — never from third-party sites.

Rates are what Aadhar Housing Finance publishes, not an offer: the rate you’re quoted is set by Aadhar Housing Finance after it assesses your application. How we collect and check rates →