AU Small Finance Bank Home Loan
Interest rates from 11% p.a. (up to 22%) · EMI from ₹47,616/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About AU Small Finance Bank home loans
India's largest small finance bank, lending from ₹50,000 up to ₹2 crore.
AU SFB home loan EMI table (11% p.a.)
Monthly EMI at AU SFB's minimum rate. Tap any amount for the full breakdown.
How much interest will a AU SFB loan cost?
A ₹50 lakh AU SFB home loan at 11% over 20 years means about ₹73.86 L in total interest — on top of the ₹50 lakh you borrowed. Prepaying even ₹10,000/month can cut years off the loan and save several lakh in interest.
See your prepayment savings →Compare AU SFB with other lenders →
AU SFB home loan by city
Compare AU SFB with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| AU SFB (this page) | 11% | ₹51,609 |
| Equitas SFB | 10.5% | ₹49,919 |
| Suryoday SFB | 10.5% | ₹49,919 |
| Chola | 10.5% | ₹49,919 |
| Muthoot Homefin | 11% | ₹51,609 |
| Aavas | 11.3% | ₹52,634 |
| Motilal Oswal HF | 11.75% | ₹54,185 |
Get the lowest rate on your AU SFB home loan
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Frequently Asked Questions
What is the AU Small Finance Bank home loan interest rate in 2026?
AU Small Finance Bank offers home loans starting at 11% p.a., going up to 22% p.a. depending on your CIBIL score, loan amount, and income profile. Rates are as of June 2026; confirm the current rate with the lender before applying.
What is the EMI for a ₹50 lakh AU SFB home loan?
At 11% p.a., a ₹50 lakh AU SFB home loan has an EMI of about ₹51,609 for 20 years — roughly ₹47,616 for 30 years and ₹56,830 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a AU SFB home loan?
AU Small Finance Bank's processing fee is Up to 1%, with a maximum tenure of 30 years and funding of up to 90% of the property value (loan-to-value).
Is prepayment allowed on a AU SFB home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a AU SFB home loan partially or fully at any time. The NestSaver prepayment simulator shows exactly how much interest and time you save.
Disclaimer: Interest rates shown are indicative, sourced as of June 2026, and the lowest published floating rate is typically reserved for borrowers with high credit scores. Actual rates depend on your profile, loan amount, and the property, and change frequently. Always confirm the current rate directly with AU Small Finance Bank before applying. NestSaver is an information and planning service, not a lender.