Aditya Birla Housing Finance Home Loan Interest Rate — 16th September 2026
Housing finance company
The lowest home loan interest rate Aditya Birla Housing Finance publishes is 7.75%. We read Aditya Birla 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
7.75%
Top of published range
Not published
Benchmark
ABHFL Reference Rate 13.15% (salaried home loan)
Effective from
Not published
Read from Aditya Birla Housing Finance’s own website on 16 September 2026. Source and method
Aditya Birla Housing Finance home loan interest rate card
Card rate and what borrowers actually paid
| Borrower | Rate |
|---|---|
| Salaried / self-employed professional | Starting from 7.75% |
| Self-employed non-professional | Starting from 8.00% |
| Home loans issued, quarter to 30 June 2026 — minimum / mean / maximum | 7.15% / 10.33% / 20.00% |
The last row is a disclosure of rates on loans actually contracted, not an advertised rate.
What Aditya Birla Housing Finance’s interest rate card tells you
Aditya Birla Housing Finance advertises home loans from 7.75% for salaried and self-employed professional borrowers, and from 8.00% for other self-employed applicants. Its own disclosure for the quarter to June 2026 puts those floors in context: loans it actually issued ranged from 7.15% to 20.00%, with a mean of 10.33%. That mean is nearly 2.60% above the advertised starting rate, so on average borrowers paid well above it. Plan around the mean unless your profile is clearly prime.
Ranked by published starting rate, Aditya Birla Housing Finance comes joint 22nd of 48 — 4th within the 18 housing finance companies we track. Unlike a repo-linked bank loan, Aditya Birla Housing Finance’s pricing follows its ABHFL Reference Rate — which Aditya Birla Housing Finance can move independently of the RBI. Its starting rate sits 2.50 points over today’s 5.25% repo rate. With no upper figure published, 7.75% is the only fixed point on Aditya Birla Housing Finance’s card; anything above it is decided case by case.
EMI at Aditya Birla Housing Finance’s home loan interest rate
Monthly EMI at Aditya Birla Housing Finance’s starting rate of 7.75%. These are the best case — if you’re quoted above the floor, your EMI will be higher.
| Loan amount | 10 years | 15 years | 20 years | 25 years |
|---|---|---|---|---|
| ₹25 lakh | ₹30,003 | ₹23,532 | ₹20,524 | ₹18,883 |
| ₹40 lakh | ₹48,004 | ₹37,651 | ₹32,838 | ₹30,213 |
| ₹60 lakh | ₹72,006 | ₹56,477 | ₹49,257 | ₹45,320 |
| ₹90 lakh | ₹1,08,010 | ₹84,715 | ₹73,885 | ₹67,980 |
Reducing-balance EMI, before processing fees and insurance. Run your own numbers →
Aditya Birla Housing Finance against lenders priced nearby
How Aditya Birla Housing Finance’s floor compares with the four closest on our list — same ₹40 lakh, 20-year loan throughout, so the EMIs line up.
| Lender | Published rate | EMI, ₹40 lakh / 20 yrs | vs Aditya Birla Housing Finance |
|---|---|---|---|
| Kotak Mahindra Bank Private sector bank | 7.60% onwards | ₹32,469 | −₹369/mo |
| Aditya Birla Housing Finance Housing finance company | 7.75% onwards | ₹32,838 | — |
| HDFC Bank Private sector bank | 7.75% – 13.20% | ₹32,838 | same |
| IDFC FIRST Bank Private sector bank | 7.75% onwards | ₹32,838 | same |
| Tamilnad Mercantile Bank Private sector bank | 7.90% – 9.30% | ₹33,209 | +₹371/mo |
What moves your rate at Aditya Birla Housing Finance
- If you’re a self-employed professional, make sure Aditya Birla classifies you that way: you then start at 7.75% alongside salaried borrowers rather than 8.00%.
- 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.
- If you already bank with the lender, say so. An account the lender can see removes much of the income checking and gives you something to negotiate from.
What a Aditya Birla Housing Finance home loan costs beyond interest
| Processing fee | From 0.25% of the loan amount plus GST, depending on your risk profile. No maximum is published — Aditya Birla’s terms say the fee is set in the sanction letter. On a ₹40 lakh loan, that starts at ₹10,000, before GST. |
|---|---|
| Prepayment and foreclosure | None on floating-rate loans. Fixed-rate loans: none from your own funds; 2% of the outstanding otherwise. |
| Rate revision on request | 0.25% of the outstanding plus GST, capped at ₹7,500 |
| Late payment | 12% a year above your rate, up to 24% in total |
Source: Aditya Birla Housing Finance’s own schedule of charges, read on 16 September 2026: https://homefinance.adityabirlacapital.com/home-loan/prime-home-loan
Aditya Birla Housing Finance home loan eligibility
| Who can apply | Salaried and self-employed individuals, Indian citizens and NRIs. |
|---|---|
| Longest term | 30 years |
| Minimum income | Salaried ₹25,000 a month; self-employed ₹3 lakh a year |
| Loan amount | Up to ₹25 crore |
Source: Aditya Birla Housing Finance’s home loan page, read on 16 September 2026. Meeting these criteria doesn’t guarantee approval. https://homefinance.adityabirlacapital.com/home-loan/prime-home-loan
Aditya Birla Housing Finance home loan interest rate — common questions
What is Aditya Birla Housing Finance’s home loan interest rate today?
How much does Aditya Birla Housing Finance charge to process a home loan?
How long can a Aditya Birla Housing Finance home loan run?
What sets my home loan rate at Aditya Birla Housing Finance?
How much is the monthly EMI on ₹40 lakh at Aditya Birla Housing Finance?
Is the Aditya Birla Housing Finance home loan interest rate floating or fixed?
How does Aditya Birla Housing Finance compare with HDFC Bank?
Where these figures come from
Source: Aditya Birla Housing Finance’s own interest rate page, read by BankCreds on 16 September 2026: https://homefinance.adityabirlacapital.com/interest-rate-model
Aditya Birla Housing Finance publishes no effective date for this rate, so we don’t show one.
This is the first reading in our Aditya Birla Housing Finance rate history, taken on 16 September 2026, and future changes will be dated from it. The fees and eligibility shown were read from Aditya Birla Housing Finance’s own schedule of charges and product pages.
Rates are what Aditya Birla Housing Finance publishes, not an offer: the rate you’re quoted is set by Aditya Birla Housing Finance after it assesses your application. How we collect and check rates →