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Home Construction Loan

For hassle-free construction of your home

Apply For Home Construction Loan

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Top Features Of Home Construction Loan

About Home Construction Loan

    Now construct your dream home with AU Home Construction Loan. With speedy approvals, competitive rates, easy process, and minimum paperwork, we help bring you close to your dreams of constructing a new house in an easy and hassle-free manner. 

    Our relationship officers will guide you through the Home Loan application procedure. They also provide guidance regarding the selection of the right Home Loan mix to the calculation of suitable Home Loan EMI value and tenure. Apart from guiding you through the Home Loan application procedure, we also provide excellent post-disbursement services.

Features of Home Construction Loan

  • Available for formal & informal income proof customers: Loan is available with minimal or no income proof and with the support of other documentation.
  • No hidden charges: Completely transparent process without any hidden charges.
  • Doorstep services: Door-to-door services by AU Home Loan experts along with expert financial counselling.
  • Easily available in rural India: Wide branch network with availability in rural, semi-urban and urban areas across locations.
  • Up to 100% estimated cost: Home Construction Loan is available up to 100% of the estimated cost.

Benefits of Home Construction Loan

  • Wide branch network: Available at 400+ locations across India.
  • Tax benefit: Under Section 24, 80EE & 80C of Income Tax Act.
  • Different modes for payment available: E-NACH/ ECS/ ACH and other state-of-the-art modes.
  • Highest Home Loan eligibility: So that you can construct a good and comfortable dream home for you and your loved ones.
  • Experienced staff: Door-to-door services with quick processing and disbursal of loans.

Eligibility Criteria

  • Indian Resident
  • Minimum age – 18 years
  • Maximum age – 70 years at maturity
  • Minimum Home Loan tenure – 1 Year
  • Maximum Home Loan tenure – 20 years
  • Minimum loan amount – INR 2,00,000

Documents required for Home Construction Loan

Purpose Documents
Identity, age and address proof 1. Valid Passport
2. Voter ID Card
3. Aadhaar Card
4. PAN card
5. Valid Driving License
For the complete list of acceptable KYC documents, please contact the nearest AU Small Finance Bank branch
Income proof
1. Salary Slips/ Bank Statements/ Form-16
2. Salary Certificate (cash salaried cases)
1. IT Returns and/ or Financial Statements of the last 3 years
And/ Or
2. Informal Income Documents
Other documents 1. Application form with photograph duly signed
2. Processing fee cheque
3. Proof of business existence
4. Last 6 months bank statements
Property related documents 1. Title deeds of the plot
2. Proof of no encumbrances on the property
3. Construction estimate by an Architect / Civil engineer

Please go through the Schedule of Charges for further details.

Know more about the different types of Home Loans we offer.

Click here for FAQs.


Make an informed decision regarding taking a Home Loan by using our Home Loan calculator here.

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