Why Choose AU Small Finance Bank for Your Home Loan?
Access to Everyone: AU Bank home loan documents are required for people with regular salaries and those who work for themselves. They even help people who get paid in cash, especially in smaller towns and villages.
Easy Repayment: You can take up to 30 years to repay your loan if you have a bank salary, or up to 20 years if you don't. This makes your monthly payments easy to handle.
No Hidden Fees: The bank is upfront about all charges, so there are no hard surprises.
Wide Reach: With more and more branches, AU Bank home loans make it easy to get a loan, even if you don't live in a big city.
Great Service: You get help at your doorstep, fast processing, and personal support when you apply for a home loan.
AU Small Finance Bank Home Loan Products
AU Small Finance Bank as a home loan for almost everyone:
Want to Buy a House? Get a loan to purchase a ready-to-move-in home, a resale flat, or a new place straight from a developer.
Building Your Own Home? Finance your dream home on your own land with our construction loan.
Need Land and a House? Buy a plot and build with our easy, two-part loan.
Home Improvement Loan: Renovate or expand your current home using our improvement loan.
Want a Better Deal? Transfer your current home loan to us at AU Small Finance home loan interest rate and service.
Need Extra Cash? Get extra funds on top of your existing AU Small Finance Bank home loan for anything you need.
Flexible Scheme: We have loans for salaried individuals, self-employed people, professionals, and even those in the informal sector.
AU Small Finance Bank Home Loan Interest Rates 2025
AU SFB’s home loan rates are designed to cater to various applicants. Here’s what you can expect in 2025:
| Application Type |
Interest Rate (p.a.) |
Loan Amount |
Tenure |
Processing Fees |
| Salaried |
8% – 22% |
₹2 lakh to ₹5 crore |
Up to 30 years |
Up to 2% of loan amount |
| Self-Employed |
8% – 22% |
₹2 lakh to ₹5 crore |
Up to 20 years |
Up to 2% of loan amount |
| Top-Up & Balance Transfer |
11% – 22% |
As per eligibility |
1–15 years (top-up) |
Up to 2% of loan amount |
Rates and charges last updated June 2025. Exact rate depends on profile, scheme, and negotiation. Check with AU Small Finance home loan interest rate.
Fees and Charges
Processing Fee: It's up to 2% of your loan amount, plus GST.
Other Fees: You might have to pay for legal stuff, property valuation, statements, and collections.
Early Repayment: Usually, there's a 3% fee on the outstanding amount if you pay off the loan early, but this could change.
AU Small Finance Bank Home Loan criteria?
Basically, here's what they look for:
Nationality: You need to be an Indian resident.
Age: You should be between 18 and 70 when you apply (but some home buying plans go up to 75).
Income: You need a good, stable income, whether you are employed or run your own business.
Credit Score: They don't say exactly what score you need, but a score above 700 gives you a better shot.
Co-applicants: Adding a co-applicant (like a close family member who also owns the property) can help you get a bigger loan.
Required Documents for AU Small Finance Bank Home Loan Partner
Okay, so here's what you will need for AU bank home loan documents required :
Identity and Address: Like your Aadhaar, PAN card, passport, voter ID, or driver's license.
Proof of Age: Birth certificate, Aadhaar, or passport should work.
Income Info:
If you are salaried - your latest pay stubs, bank statements from the last half-year, Form 16, or a salary certificate if you get paid in cash.
If you are self-employed - IT returns or financial statements from the last three years, any informal income proofs, plus any business-related documents.
Property Paperwork: Title deeds, a no-dues certificate, okayed blueprints, and estimated construction costs (if it's for a construction loan).
Photos: Recent passport-size photos.
Co-applicant Info: If someone's applying with you, you will need their documents too.
Contact your local AU Small Finance Bank branch or their website for a specialized checklist suited to your profile.
How to apply -
Go to TyTil - Find the home loan area, then pick AU Small Finance Bank.
Check Out the Offers: See what AU Small Finance Bank home loan specialized for rates, features, and special deals with TyTil comparison tool.
Apply Online: Fill in your info—just the basics, how much you want to borrow, the type of property, and where it is.
Upload Documents Safely: Send all the documents they need through TyTil secure site.
Get Support: TyTil home loan team can help you with eligibility, any questions about documents, and staying in touch.
Track Your Progress: Keep tabs on your application, get updates, and approve everything online.