Axis Bank Home Loan EMI Calculator
Calculate your Axis Bank home loan EMI, explore FastForward and Shubh Aarambh products, and view CIBIL-tier rates — pre-filled at Axis Bank's 2026 starting rate of 8.75%.
Starting Rate
8.75%
p.a. floating (EBLR)
Max Tenure
30 years
salaried borrowers
Processing Fee
0.50%–1%
min ₹10,000
FastForward
No pre-EMI
Under-construction option
Home Loan Details
Loan Amount
Interest Rate
Tenure
Monthly EMI
₹44,186
for 240 months · 20 years tenure
Principal
₹50.00 L
47.1%
Total Interest
₹56.05 L
52.9%
Total Payment
₹1.06 Cr
Principal + interest
Interest — Year 1
₹4.34 L
First 12 months
Principal vs Interest
Distribution of your total payment
Principal Interest
Yearly Breakdown
Principal and interest paid each year (first 15)
Amortization Schedule
Total Principal
₹50,00,000
Total Interest
₹56,04,527
Total Paid
₹1,06,04,530
| Month | EMI | Principal | Interest |
|---|---|---|---|
| 1 | ₹44,186 | ₹7,727 | ₹36,458 |
| 2 | ₹44,186 | ₹7,784 | ₹36,402 |
| 3 | ₹44,186 | ₹7,840 | ₹36,345 |
| 4 | ₹44,186 | ₹7,897 | ₹36,288 |
| 5 | ₹44,186 | ₹7,955 | ₹36,230 |
| 6 | ₹44,186 | ₹8,013 | ₹36,172 |
| 7 | ₹44,186 | ₹8,071 | ₹36,114 |
| 8 | ₹44,186 | ₹8,130 | ₹36,055 |
| 9 | ₹44,186 | ₹8,190 | ₹35,996 |
| 10 | ₹44,186 | ₹8,249 | ₹35,936 |
| 11 | ₹44,186 | ₹8,310 | ₹35,876 |
| 12 | ₹44,186 | ₹8,370 | ₹35,815 |
Results are indicative only. Actual EMI may vary based on your lender's rounding method, processing date, stub-period interest, and applicable fees. Always verify with your bank or NBFC before making a financial decision. See our disclaimer for full details.
Axis Bank Home Loan Interest Rates by CIBIL Score (2026)
Rates are indicative as of July 2026 (floating EBLR-linked). Actual rate offered depends on income, employer category, loan amount, and LTV. Verify with Axis Bank before applying.
| CIBIL Score | Interest Rate | Typical Borrower Profile |
|---|---|---|
| 800+ | 8.75% | Prime salaried, premium employer |
| 750–799 | 9.00% | Salaried, good credit history |
| 700–749 | 9.25% | Average credit profile |
| Below 700 | 9.50%+ | Higher risk, review required |
Why Choose Axis Bank for Home Loan?
- FastForward loan: no pre-EMI during under-construction phase — interest is capitalised and borrowers start full EMI only after possession
- Shubh Aarambh: designed for first-time homebuyers with flexible eligibility criteria and step-up EMI options
- Axis Bank Burgundy customers (HNI segment) get preferential pricing and a dedicated relationship manager
- Digital processing with Axis Bank's app for property search, valuation, and loan tracking
- No prepayment penalty on floating-rate loans; fixed-rate loans may be subject to 2% foreclosure charge
Frequently Asked Questions
Axis Bank home loan rates start at 8.75% p.a. (floating, EBLR-linked) for CIBIL 800+ salaried borrowers. The upper end of the range is 9.75% for weaker credit profiles. Rate resets occur within 3 months of RBI repo rate changes. Axis Bank Burgundy (premium banking) clients may receive an additional concession. Get a personalised rate via Axis Bank's website or your branch.