Axis Bank Home Loan interest rates · November 2026
Your home loan at Axis.
Choose a scheme. Understand the rate. Explore your repayment.
What would I pay each month?
See scheme conditions Scheme selected for illustration. Check eligibility with the bank.
About you
Axis's published home loan rates are the same whatever your credit score, income, gender or employer, so there's nothing to ask. Where you land inside a scheme's range is up to the bank.
At 8.00%, you repay ₹1 crore: ₹50 lakh borrowed and ₹50.37 lakh interest.
In the first 11 years, most of each EMI is interest. From year 12, most of it repays the loan.
Every 0.25% off the rate saves about ₹775 a month. Worth asking for.
Range estimate, not your approved offer. Excludes fees. Assumes the rate stays unchanged.
Scheme conditions & source
Understand this scheme
- Published rate
- 8.00%–8.85% p.a.
- Rate type
- Floating
- Pricing published as
- REPO + 2.50% to REPO + 3.35%
- Benchmark
- –
- Who it's for
- Cibil Score - 751 and above
What still needs confirming
- Your eligible rate and the scheme's conditions
- Processing fees and other charges
- How often the rate resets, and to what
Effective date not stated · checked 15 Nov 2026
Compare Axis's home loan schemes
Different schemes have different conditions. Starting rates are not personalised quotes.
| Scheme | Published rate | EMI range* | Choose |
|---|---|---|---|
| Axis home loan2 borrower bands | 8.00%–9.10% | ₹41,822–₹45,308 | Selected |
| ASHA Home Loans2 borrower bands | 10.00%–12.25% | ₹48,251–₹55,928 |
*₹50 lakh over 20 years, before fees. Scheme names follow the bank's published wording.
Every home loan rate Axis publishes
4 rates across 2 schemes, by who each is for.
| Scheme and band | Who it's for | Rate | EMI* | Use |
|---|---|---|---|---|
| Axis home loanCibil Score - 751 and above | As the band says | 8.00%–8.85% | ₹41,822–₹44,505 | |
| Axis home loanBetween 750 and below / No credit history | As the band says | 8.20%–9.10% | ₹42,446–₹45,308 | |
| ASHA Home LoansSalaried | As the band says | 10.00%–12.25% | ₹48,251–₹55,928 | |
| ASHA Home LoansSelf Employed | As the band says | 10.15%–12.25% | ₹48,749–₹55,928 |
*₹50 lakh over 20 years, before fees. Band names are the bank's own; “who it's for” is what they state.
How Axis compares
Each bank's lowest published rate, and what the same loan would cost a month there. Before charges.
Home loan · EMI on ₹50 lakh over 20 years
- 1.Central · 7.25%₹39,519/mo₹2,303 a month less
- 2.Maharashtra · 7.25%₹39,519/mo₹2,303 a month less
- 3.Indian · 7.35%₹39,822/mo₹2,000 a month less
- 4.BoB · 7.40%₹39,974/mo₹1,848 a month less
- 5.PNB · 7.45%₹40,127/mo₹1,695 a month less
- 6.Kotak · 7.60%₹40,586/mo₹1,236 a month less
- 7.Axis · 8.00%₹41,822/moThis bank
What Axis charges
In the bank's own words. Ask for the Key Facts Statement before you sign: it must show every charge and the yearly cost (APR).
The bank's full wording
Up to 1% of the loan amount or ₹10,000 (whichever is higher) + GST (as applicable) *1% -2% of the loan amount + GST applicable for ASHA HL An upfront processing fee of ₹5,000 plus GST shall be collected at the time of application submission. The balance processing fee, as applicable, shall be collected at the time of loan disbursement. The processing fee is a non-refundable fee collected by the Bank for the purpose of reviewing the loan application and same is independent of the outcome of such assessment.
Axis home loan: questions borrowers ask
Which Axis home loan scheme has the lowest rate?
Axis home loan, from 8.00% a year (priced as REPO + 2.50% to REPO + 3.35%). Axis Bank publishes 2 home loan schemes we read; each has its own conditions, so check which you qualify for.
What is the Axis home loan interest rate?
As of 15 Nov 2026, Axis Bank publishes home loan rates of 8.00% to 12.25% a year (floating). The lowest, 8.00%, is for: Cibil Score - 751 and above. The rate you are offered depends on your credit score, income and the loan amount.
What is the EMI on a ₹50 lakh home loan from Axis?
At Axis's lowest published rate of 8.00%, a ₹50 lakh home loan over 20 years costs about ₹41,822 a month, or ₹50,37,281 in interest over the loan. Charges and insurance are extra.
Are Axis loans linked to the repo rate?
Yes. Axis Bank states its floating home loan rates as the RBI repo rate plus a spread (REPO + 2.50% to REPO + 3.35%). When the RBI changes the repo rate, the rate on these loans changes at the next reset.
What does Axis charge on a home loan?
Processing: Up to 1% of the loan amount or ₹10,000 (whichever is higher) + GST (as applicable). Prepayment charges for floating rate loan (including part payment/foreclosure): NIL, No Lock-in period for making part payment / foreclosing the loan.
Is Axis cheaper than other banks for a home loan?
Of the 8 banks we read for home loans, Axis's lowest published rate (8.00%) ranks number 7; the lowest is 7.25% at Central. Compare the charges as well as the rate.
Does RateScan get paid by Axis?
No. We take no referral fees, show no ads and don't take loan applications. Every figure is read from the bank's own page, which is linked from every scheme.
How we collect loan rates
From the bank's own pages. Every figure is read from the lending-rate page the bank publishes, and links back to it. Benchmarks are re-read every day.
A published rate is not an offer. Banks set your rate from your credit score, income, the loan amount and the property or vehicle. We show the range the bank publishes; "7.60% onwards" means the bank gave no top figure.
Benchmark plus spread. A floating loan's rate is the bank's benchmark (its repo-linked rate, or MCLR for older loans) plus a spread fixed when you borrow. When the benchmark moves, your rate moves with it at the next reset.
The EMI is worked out on a reducing balance with monthly instalments: EMI = P × r × (1 + r)n ÷ ((1 + r)n − 1), where r is the yearly rate ÷ 12 and n the number of months. It leaves out processing charges and insurance.
No referral fees. We don't take loan applications or get paid by lenders, so the order is the order.
Independent. No referral fees. Official sources.
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