AU Bank Home Loan Interest Rate – Complete Guide & EMI Tips

Key Insights 

1. Start by using the AU Bank home loan interest rate calculator to plan your monthly budget with the projected 2025 rates before you apply.

2. Before you apply, make sure you meet the AU Small Finance Bank home loan eligibility criteria (minimum age 18 and maximum age 70) for loan amount and tenure. This will help make the approval process smoother.

3. Include processing and administrative fees (up to 2% each) along with your EMI to get a clear picture of your total repayment amount.

Are you looking for ways to finance your dream home? Find out the current AU Finance Bank home loan interest rate and see how it can work with your budget this year.

Consider this as your way to start owning a home. The AU Small Finance Bank home loan interest rate for 2025 affects your monthly EMI, so using the AU bank home loan interest rate calculator can help you plan better. 

Your loan amount and repayment period depend on the bank’s au small finance bank home loan eligibility criteria.

Example:

I called the AU Bank home loan customer care number to check if I was eligible. After that, I entered the loan amount I wanted into their online calculator to see my EMI using the 2025 rates. This made it easier for me to plan my budget.

Read More – IIFL Home Loan Interest Rate

Types of Home Loans Offered by AU Bank

Looking for the right home loan? Check out the range of options AU Bank has to help you find one that suits your property needs.

Here is the table of types of home loans offered by AU Bank:
 

If you are buying a new home or planning to renovate, AU Bank has home loans to match your needs. We provide doorstep service and simple, clear terms to help you through every stage.

Bonus Tip: Do you know? The maximum home loan tenure is 30 years for those with bank salaries, and 20 years for cash-salaried, SEP, or SENP applicants.

AU Bank Home Loan Processing Fees & Charges

It's important to know the real costs involved. Here’s a simple look at the processing fees and charges you can expect with an AU Bank home loan.
 

Include these costs with your loan principal and EMI to find out the actual total amount you will repay.

How to Apply for an AU Bank Home Loan?

Are you ready to get started? Here is a simple, step-by-step guide to help you apply for an AU Bank home loan, whether you choose to do it online or in person.

1. Go to the official AU Small Finance Bank website.
2. On the homepage, click on the ‘Loans’ tab and choose ‘Home Loan’.
3. Pick the home loan option that suits you best.
4. A new page will open for the loan option you chose.
5. Enter the required details, such as:

• First and last name
• Mobile number
• Email ID
• City
• Captcha

      6.   Click on ‘Apply Now’ to complete the process.

First, fill out the online application form. Then, wait for a representative to call you. While you wait, get your documents ready for the next steps in the verification process.

Also Read – Indiabulls Home Loan Interest Rate

Conclusion

Check out AU Bank’s home loans and use the online calculator to see the 2025 interest rates. Make sure you qualify, add up all the costs, including fees, and start your application to move closer to owning your home.

FAQs

Did I Make a Mistake Taking a Home Loan at 11% Interest Rate? 

An 11% home loan may seem high, but whether it was a mistake depends on current market rates, your income, your down payment, and whether you compared different options. If rates are now much lower, such as 7-9%, you may have missed out on some savings.

I have no CIBIL. Is it possible to get a loan in my name still? What's the procedure?  

Yes, you can get a loan in India even if you have no CIBIL score or show a 'No History' (NH) status. This just means you are new to credit, not that you are a risky borrower.

How is the AU Small Finance Bank? 

AU Small Finance Bank is recognised in India for its strong customer focus and a wide selection of digital and traditional financial products, such as savings accounts, loans, and cards. The bank offers extended hours, emphasises financial inclusion, and uses reliable technology, making it a convenient and trustworthy choice compared to larger banks

In a home loan interest rate, which one should I choose, a fixed or floating in November 2022? 

In November 2022, choosing a floating interest rate was usually the better option for a home loan in India. At that time, the Reserve Bank of India was raising rates to fight inflation. Even though rates were going up, floating rates stayed lower than fixed rates and gave borrowers the chance to benefit from future market changes without having to pay prepayment penalties.

Can applicants apply jointly with their spouse?

Yes, you and your spouse can apply together, and both your salaries will be considered when deciding the loan amount. You can apply jointly if you both own the property or if your spouse is a co-applicant.