Calculate your Axis home loan EMI.
Use this calculator with Axis's typical rate range. See your EMI, the principal-versus-interest split, and the tax-adjusted effective cost. Independent of Axis — we don't sell loans or pass your details to anyone.
What this loan really looks like
The lifetime split is only part of the story. These show how the principal/interest mix shifts year by year, how slowly the balance falls, and the month your payment finally tips toward principal.
About Axis Bank home loans
Axis Bank has competitive home loan products with multiple variants — Asha Home Loan for affordable housing, Shubh Aarambh for first-time buyers, Top-Up Loan for existing customers.
Axis home loan at a glance
| Typical rate range | 8.75% to 13.30% |
|---|---|
| Maximum tenure | 30 years |
| Maximum loan amount | up to 90% of property value; specific amounts depend on borrower profile |
| Eligibility (age) | salaried minimum age 21, self-employed minimum age 24; maximum age at loan maturity 60 for salaried, 65 for self-employed |
| Processing fee | up to 1% of loan amount + GST; subject to negotiation for prime customers |
Axis home loan highlights
- Asha Home Loan — for lower-income borrowers (₹30,000 to ₹50,000 monthly household income)
- Shubh Aarambh — first-time home buyer scheme with EMI waiver options
- 12 EMI waiver in last year for select profiles (subject to terms)
- Express Home Loan — paperless, faster digital processing
- Top-up loan up to ₹50 lakh against existing home loan
Disclaimer: indiaemi.com is not affiliated with Axis Bank. The rate ranges, eligibility criteria, and other figures shown here are based on publicly available information and may change without notice. Always confirm current rates and terms directly with Axis before making any loan decision.
Tax benefits apply equally — regardless of which bank
The Income Tax Act sections (24(b) and 80C) apply to all home loans from approved Indian banks and housing finance companies, under the old regime. (Section 80EEA is closed — it covered only loans sanctioned between 1 April 2019 and 31 March 2022.) — Axis loans are no exception. The calculator above incorporates these benefits automatically. For more on home loan tax benefits, see our how EMI works and glossary pages.
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Sources & standards
Every regulated figure on this page, what it is, and the primary source it comes from. Two Acts are live: the Income-tax Act, 1961 governs FY 2025-26 — the return being filed now — while the Income-tax Act, 2025 governs FY 2026-27 onward. The amounts are unchanged; only the section numbers moved.
| What | Current value | Source | Verified |
|---|---|---|---|
| Interest deduction cap — self-occupied property | ₹2,00,000/yr | Income-tax Act, 1961 — s.24(b) (FY 2025-26 & earlier) Income-tax Act, 2025 — s.22(1)(b) & (c); cap in s.22(2) (in force 1 Apr 2026) | 2026-07 |
| Principal repayment deduction cap (shared with EPF, PPF, ELSS, insurance) | ₹1,50,000/yr | Income-tax Act, 1961 — s.80C (FY 2025-26 & earlier) Income-tax Act, 2025 — s.123, read with Schedule XV (in force 1 Apr 2026) | 2026-07 |
| Additional interest deduction — first-time buyers (CLOSED) closed | ₹1,50,000/yr window 2019-04-01 → 2022-03-31 | Income-tax Act, 1961 — s.80EEA (FY 2025-26 & earlier) Income-tax Act, 2025 — s.131 (in force 1 Apr 2026) | 2026-07 |
| Optional regime — retains deductions at higher slab rates | std deduction ₹50,000 4 slabs, top rate 30% | 2026-07 |
Not tax or legal advice. See every standard this site uses →