Axis Bank Home Loan Interest Rate November 2026
Axis Bank advertises home loan rates starting from 8% per annum. For ₹50 lakh over 20 years that is an EMI of about ₹41,822 a month.
Source: Axis Bank official page, checked on November 2026 (2026-11-01).
| Starting interest rate | 8% per annum |
| Applies to | 8.00% to 8.85% for a CIBIL score of 751 and above; 8.20% to 9.10% for 750 or below |
| Processing fee | Up to 1% of the loan amount or ₹10,000 (whichever is higher) + GST |
| Prepayment | Nil on floating-rate loans; 2% of the amount prepaid on fixed-rate loans |
| Maximum tenure | Not stated on the page we checked |
These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.
Prepayment options (optional): pay extra to finish sooner
EMI for popular amounts
₹20 lakh for 15 years₹20 lakh for 20 years₹20 lakh for 25 years₹30 lakh for 15 years₹30 lakh for 20 years₹30 lakh for 25 years₹50 lakh for 15 years₹50 lakh for 20 years₹50 lakh for 25 years₹75 lakh for 15 years₹75 lakh for 20 years₹75 lakh for 25 years₹1 crore for 15 years₹1 crore for 20 years₹1 crore for 25 years
Compare Axis Bank with other banks
Axis Bank vs Bank of MaharashtraAxis Bank vs Indian BankAxis Bank vs Canara BankAxis Bank vs PNBAxis Bank vs Central BankAxis Bank vs SBIAxis Bank vs Federal BankAxis Bank vs KotakAxis Bank vs IDFC FIRSTAxis Bank vs ICICI BankAxis Bank vs HDFC Bank
Home loan calculators
Home loan EMI calculatorHome loan eligibility calculatorHome loan prepayment calculatorHome loan balance transfer calculatorHome loan amortization schedule
Frequently asked questions
What is the Axis Bank home loan interest rate?
Axis Bank's website advertises home loan rates starting from 8% per annum (checked 2026-11-01). The rate you get depends on your credit score, income and loan amount.
What is the EMI on a ₹50 lakh home loan from Axis Bank?
At the starting rate of 8% over 20 years the EMI is about ₹41,822 a month, with total interest of about ₹50,37,281. A higher personal rate would raise this.
What is the processing fee for a Axis Bank home loan?
Axis Bank states: Up to 1% of the loan amount or ₹10,000 (whichever is higher) + GST.
Does Axis Bank charge prepayment charges on a home loan?
Nil on floating-rate loans; 2% of the amount prepaid on fixed-rate loans. Terms can differ between floating and fixed rates, so confirm with the bank.