Axis Bank Home Loan Ludhiana – Interest Rates 2023, Documents, Apply

Axis Bank Home Loans in Ludhiana: Check Interest Rates, Eligibility, Loan Amount, Processing Fees, Minimum loan amount, documents list in Ludhiana. Axis Bank offers affordable and flexible housing loans that can turn your dream of owning a home into reality.

Axis Bank home loan branches in Ludhiana

  • Address: No AG 1 to 3, 3A, 4, 5, 5A to 11, LGF PN 105, UN 1 & 2, The Boulevard, The Mall Rd, Ludhiana, Punjab 141001
  • Address: No, 28F, Malhar Cinema Rd, F-Block, Gurdev Nagar, Ludhiana, Punjab 141001
  • Address: Plot No 518/R, Ground Floor, Deep Hospital Rd, opposite More Super Market, Model Town, Ludhiana, Punjab 141002
  • Address: Upper Ground Floor & 1st Floor, Dugri Rd, Sant Fateh Singh Nagar, Model Town, Ludhiana, Punjab 141002
  • Address: B 15/179/1 Nirankari Kucha No 4, GT Road, near Vishwakarma Chowk, Miller Ganj, Ludhiana, Punjab 141003
  • Address: No 316, Kh No 5/12, 19/1, Ground Floor, KB Tower Khata, 326, Main Hambran Rd, Near Kali Mata Mandir, Ludhiana, Punjab 141001
  • Address: Ground Floor, Mundian Kalan, Ludhiana, Punjab 141015
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Axis Bank Home Loan Interest Rates Jan 2023

For Salaried Individuals

Type Effective Rate of Interest
Floating Rate 8.60% - 8.95% p.a.
Fixed Rate 14% p.a.

For Self Employed Individuals

Type Effective Rate of Interest
Floating Rate 8.70% - 9.05% p.a.
Fixed Rate 14% p.a.

For Salaried Individuals

Type Effective Rate of Interest
Floating Rate 9.9% - 12.25% p.a.

For Self Employed Individuals

Type Effective Rate of Interest
Floating Rate 10.95% - 12.70% p.a.
The interest rate for the customer shall depend on their credit assessment and the product variant

Why to Choose Axis Bank Home Loans in Ludhiana

Axis Bank housing loans are designed for today’s home-hunter. Easy home loans are rich in features and offer a number of benefits.

    • Attractive housing finance rates: We offer attractive interest rates that make your housing loans affordable and easier on your pocket every month.
    • Flexible rates: Choose between fixed and floating rate options depending on which way you think interest rates are moving.
    • Balance transfer facility: Not satisfied with your existing Home Loan provider? You can transfer your Home Loan to us without any hassles.
    • Doorstep service: You don’t have to go the bank for Home Loans; the bank will come to your doorstep. Perfect for those leading busy lives.
    • Nil prepayment charges* : Come into some money and want to pay off your housing loan early? You can do that at Axis Bank without worrying about prepayment charges.

Offers Available in Ludhiana:

Axis Bank Home Loan Eligibility Criteria Ludhiana

Salaried individuals eligible for home loan

  • Individuals in permanent service in the Government or reputed companies fall under the home loan eligibility criteria.
  • Applicants should be above 21 years of age at the time of loan commencement and up to the age of 60 or superannuation, whichever is earlier at the time of loan maturity. You can check the amount you need to pay as EMI with the Home Loan EMI Calculator.

Professionals eligible for Axis home loan

  • Professionals (i.e., doctors, engineers, dentists, architects, chartered accountants, cost accountants, company secretary, and management consultants only) meet the Axis Bank Home Loan eligibility criteria.
  • Applicants above 21 years of age at the time of home loan commencement and up to 65 years or less at the time of home loan maturity meet our home loan eligibility criteria.

Home Loan documents required for Axis Bank

The following documents are required along with your home loan application:

Purpose Salaried Others
Proof of identity Voter’s ID card or driving license or PAN card or photo credit card or employees ID card or defense or police or government department ID card Voter’s ID card or driving license or PAN card or photo credit card
Proof of income Latest salary slip showing all deductions or Form 16 along with recent salary certificate IT returns for the last 2 years and computation of income for the last 2 years certified by a CA
Proof of residence Bank account statement or latest electricity bill / water bill / piped gas monthly bill or latest mobile or telephone bill or latest credit card statement or employers letter certifying the current mailing address or existing house lease agreement or registered lease or leave and licence agreement with a utility bill or ration card or latest property tax / water tax bill Bank account statement or latest electricity bill / water bill / piped gas monthly bill or latest mobile or telephone bill or latest credit card statement or employers letter certifying the current mailing address or existing house lease agreement or registered lease or leave and licence agreement with a utility bill or ration card or latest property tax / water tax bill
Bank statement or Pass Book where salary or income is credited Last 6 months Last 6 months
Guarantor form Optional Optional

About Ludhiana:

Ludhiana Punjabi: ਲੁਧਿਆਣਾ is a city and a municipal corporation in Ludhiana district in the Indian state of Punjab. Ludhiana is the most populous and the largest city in the Indian state of Punjab. The Union Ministry of Housing and Urban Affairs has placed Ludhiana on the 48th position among the top 100 smart cities and has been ranked as one of the easiest city in India for business according to the World Bank.

Nearby, leafy Nehru Rose Garden features ornamental fountains and more than one thousand different rose varieties. To the north, Maharaja Ranjit Singh War Museum documents Punjabi military history.

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Top Banks for Home Loans in India
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SBI 8.70% - 9.40%
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ICICI Bank 8.75% - 9.80%
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Axis Bank 8.60% - 9.05%
Bank of Baroda 8.45% - 9.80%
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