Axis Bank Home Loan Interest Rate — 16th September 2026
Private sector bank
Here’s the home loan interest rate Axis Bank charges, taken from its own website on 16 September 2026: from 8.00% to 9.10%. We’ve set out the card as published, what decides where you land within it, and the EMI at each end.
Starting rate
8.00%
Top of published range
9.10%
Benchmark
Repo 5.25%
Effective from
Not published
Read from Axis Bank’s own website on 16 September 2026. Source and method
Axis Bank home loan interest rate card
By CIBIL score
| Borrower | Pricing | Rate |
|---|---|---|
| CIBIL 751 and above | Repo + 2.75% to Repo + 3.60% | 8.00% – 8.85% |
| CIBIL 750 and below / no credit history | Repo + 2.95% to Repo + 3.85% | 8.20% – 9.10% |
| ASHA Home Loan (affordable housing), salaried | Repo + 4.65% to Repo + 6.40% | 10.15% – 11.90% |
| ASHA Home Loan (affordable housing), self-employed | Repo + 5.65% to Repo + 6.40% | 11.15% – 11.90% |
Axis states the main ranges cover all its home loan variants, including Super Saver, QuikPay, Shubh Aarambh, Fast Forward, plot loans and banking-surrogate loans.
What Axis Bank’s interest rate card tells you
Axis Bank splits borrowers at a CIBIL score of 750. Above it you’re quoted 8.00% to 8.85%; at 750 or below — or with no credit history at all — 8.20% to 9.10%. A missing score and a middling one are priced identically, which is worth knowing if you’ve never borrowed before. Those ranges cover every mainstream Axis variant, so choosing QuikPay or Shubh Aarambh doesn’t move you out of your band. The exception is ASHA, the bank’s affordable-housing loan, priced well above the main card at 10.15% to 11.90% for salaried borrowers.
Its floor puts Axis Bank joint 27th out of 48 lenders on our list, and joint 12th among the 19 private banks. At 8.00%, Axis Bank’s starting rate sits 2.75 points over the RBI repo rate of 5.25%. On a ₹60 lakh loan over 20 years, the two ends of Axis Bank’s range are ₹4,184 a month apart.
EMI at Axis Bank’s home loan interest rate
EMI at 8.00%, Axis Bank’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 9.10% |
|---|---|---|---|---|---|
| ₹25 lakh | ₹30,332 | ₹23,891 | ₹20,911 | ₹19,295 | ₹22,654 |
| ₹40 lakh | ₹48,531 | ₹38,226 | ₹33,458 | ₹30,873 | ₹36,247 |
| ₹60 lakh | ₹72,797 | ₹57,339 | ₹50,186 | ₹46,309 | ₹54,370 |
| ₹90 lakh | ₹1,09,195 | ₹86,009 | ₹75,280 | ₹69,463 | ₹81,555 |
Reducing-balance EMI, before processing fees and insurance. Run your own numbers →
Axis Bank against lenders priced nearby
How Axis Bank’s floor compares with the four closest on our list — same ₹60 lakh, 20-year loan throughout, so the EMIs line up.
| Lender | Published rate | EMI, ₹60 lakh / 20 yrs | vs Axis Bank |
|---|---|---|---|
| Standard Chartered Foreign bank | 7.99% onwards | ₹50,149 | −₹37/mo |
| Axis Bank Private sector bank | 8.00% – 9.10% | ₹50,186 | — |
| IndusInd Bank Private sector bank | 8.00% – 15.00% | ₹50,186 | same |
| Home First Finance Housing finance company | 8.00% – 17.50% | ₹50,186 | same |
| Tata Capital Housing finance company | 8.00% – 13.00% | ₹50,186 | same |
What moves your rate at Axis Bank
- If you’ve never borrowed, Axis prices you with borrowers scoring 750 or below, so building a credit history before you apply could move you into its 751-plus band.
- If a co-applicant has a stronger score, ask how the lender treats a joint application. Some grids are applied on the primary applicant’s score alone, others on the weaker of the two.
- Get at least two written quotes before you commit. Lenders move more readily against a real competing offer than against a rate you’ve read online.
What a Axis Bank home loan costs beyond interest
| Processing fee | Up to 1% of the loan amount or ₹10,000, whichever is higher, plus GST. ₹5,000 plus GST is paid when you apply and the rest at disbursement; non-refundable. ASHA home loans: 1% to 2%. On a ₹60 lakh loan, that comes to at most ₹60,000, before GST. |
|---|---|
| Prepayment and foreclosure | None on floating-rate loans; 2% on fixed-rate loans. No lock-in period. |
| Switching floating to fixed | 1% of the outstanding, minimum ₹10,000 |
| Moving to a lower floating rate | ₹1,000 to ₹5,000, depending on the outstanding |
| Late payment | 8% a year on the overdue amount |
Source: Axis Bank’s own schedule of charges, read on 16 September 2026: https://www.axis.bank.in/loans/home-loan/interest-rates-charges
Who Axis Bank lends to
| Who can apply | Salaried and self-employed customers, resident or NRI. |
|---|---|
| Age | 21 to 65 |
| Longest term | 30 years |
| Loan amount | ₹3 lakh to ₹10 crore |
Source: Axis Bank’s home loan page, read on 16 September 2026. Meeting these criteria doesn’t guarantee approval. https://www.axis.bank.in/loans/home-loan
Axis Bank home loan interest rate — common questions
What home loan interest rate does Axis Bank charge?
How much does Axis Bank charge to process a home loan?
How long can a Axis Bank home loan run?
How much does a lower credit score cost at Axis Bank?
How much is the monthly EMI on ₹60 lakh at Axis Bank?
Is the Axis Bank home loan interest rate floating or fixed?
How does Axis Bank compare with IndusInd Bank?
Where these figures come from
Source: Axis Bank’s own interest rate page, read by BankCreds on 16 September 2026: https://www.axis.bank.in/loans/home-loan/interest-rates-charges
Axis Bank publishes no effective date for this rate, so we don’t show one.
Our record of Axis Bank’s rates starts on 16 September 2026; later changes will appear here when we find them. Axis Bank’s fees and eligibility on this page were read from Axis Bank’s own documents, and each section links to where.
Rates are what Axis Bank publishes, not an offer: the rate you’re quoted is set by Axis Bank after it assesses your application. How we collect and check rates →