AU Bank Home Loan EMI Calculator
Estimate your monthly instalment and loan repayment schedule for an AU Housing Loan. AU Small Finance Bank provides structured home financing designed for both formal salaried borrowers and self-employed micro-entrepreneurs in semi-urban and urban growth centers.
Official Rate Formula & Benchmark:
AU Housing Loans use reducing balance monthly amortization tied to the AU SFB External Benchmark Lending Rate (EBLR). Starting interest rate begins from 8.90% p.a. for borrowers with strong credit appraisal and verified property title documentation.
Current official starting rate: 8.90% p.a. (Range: 8.90% – 13.50% p.a.).
AU Bank Home Loan EMI Calculator
Interactive calculation engine using official AU Small Finance Bank rates
For 20 years at 8.90% p.a. reducing balance
Yearly Repayment Schedule
| Year | Principal Paid | Interest Paid | Total Paid | Balance |
|---|---|---|---|---|
| Year 1 | ₹56,871 | ₹2,64,717 | ₹3,21,588 | ₹29,43,129 |
| Year 2 | ₹62,144 | ₹2,59,444 | ₹3,21,588 | ₹28,80,985 |
| Year 3 | ₹67,906 | ₹2,53,682 | ₹3,21,588 | ₹28,13,079 |
| Year 4 | ₹74,202 | ₹2,47,386 | ₹3,21,588 | ₹27,38,877 |
| Year 5 | ₹81,082 | ₹2,40,506 | ₹3,21,588 | ₹26,57,795 |
Rate Verification & Official Notice
8.90% p.a.
8.90% – 13.50% p.a.
floating RateAU SFB EBLR
Applicable Conditions & Eligibility Factors:
- Affordable housing loans up to 30 years
- Caters to salaried and self-employed borrowers
Source: AU Bank Housing Loan Schemes & Rates
Rates subject to borrower risk-grade & RBI regulatory changes.How It Works
- 1Caters to formal salaried and informal self-employed income earners.
- 2Loan amounts up to ₹1 Crore with tenures up to 30 years.
- 3Pegged to AU SFB repo-linked lending benchmark.
Key Factors Influencing Your Rate
- •Assessment of informal income cash flows
- •Property technical valuation and legal clearance
- •EBLR benchmark rate resets
Worked Numerical Example: AU Bank Home Loan EMI Calculator
For a ₹30,00,000 loan at 8.90% p.a. for 20 years (240 months), your monthly EMI is ₹26,799, with total interest of ₹34,31,852.
Frequently Asked Questions: AU Bank Home Loan EMI Calculator
- Can self-employed applicants apply without ITR?
- Yes, AU SFB provides custom surrogate income appraisal for informal businesses.
- What is starting rate?
- Starts from 8.90% p.a.