AU Small Finance Bank Home Loan
Primary Lending Institution:AU Small Finance Bank
Up to ₹2 Crore home loan at 8.90% – 11.00% with Up to 25 years tenure.
This loan requires the property to be in an approved society/project or verified municipal layout — disputed rural land strictly ineligible.
What is AU Small Finance Bank Home Loan?
Small finance bank mortgage specialist catering to semi-urban and Tier 2/3 markets with flexible underwriting for informal income.
Key Benefits & Features
Caters to customers without formal tax returns; extensive presence in Tier 2 and rural growth hubs; flexible documentation; quick branch sanctions.
Property & Project Eligibility Requirements
Constructed residential dwelling or builder apartment with local body approval.
Borrower Eligibility Criteria
Self-employed traders, artisans, and salaried workers in semi-urban centres.
How to Apply (3 Verified Paths)
Apply online through net banking portal or visit lending branch with loan inquiry.
Apply online at https://www.aubank.in/personal-banking/loans/home-loan with digital KYC and property details.
Visit nearest branch of the institution with income proofs and sale agreement.
Documents Required Checklist
Aadhaar Card, PAN Card, Last 3 months salary slips or 2 years ITR-V, 6 months bank account statement, Title deed, Approved building plan and municipal tax receipts.
Frequently Asked Questions
What is the maximum loan tenure available for AU Small Finance Bank Home Loan?
The maximum repayment tenure offered for AU Small Finance Bank Home Loan is Up to 25 years, subject to borrower's age not exceeding 65 years at loan maturity.
What are the processing charges and prepayment rules for AU Small Finance Bank Home Loan?
The processing fee is 1.00% to 1.50% + GST. As per RBI guidelines, zero prepayment penalties apply to all individual floating-rate home loans.
What documents are required to apply for AU Small Finance Bank Home Loan?
Applicants must provide KYC (Aadhaar, PAN), 3 months salary slips or 2 years ITR with computation, 6 months bank statements, and clear property title documents with municipal sanctions.
Why does AU Small Finance Bank Home Loan require property approval in a formal layout?
This loan requires the property to be in an approved society/project or verified municipal layout — disputed rural land strictly ineligible.