Laying the foundation for your dream home

AHFCL also offers Composite Loans towards purchase of non-agricultural land and construction on the same thereby offering end to end finance towards building of your dream home.


Loan Amount

Purchase of Plot Up to
65% of the market value
Covering up to
85% of the construction cost
25 Lakhs
* At the discretion of AHFCL

Loan Tenure

5 Years
25 Years
20 Years

Purchase of Plot: Up to 65% of the market value of the land including stamp duty and registration charges

Construction Cost: Covering up to 85% of the construction cost approved by a certified engineer / architect and verified by an AHFCL valuer.

Loan tenor may not be extended beyond the age of sixty (60) years in case of Salaried and Seventy (70) in case of self-employed customers at the time of loan maturity

Interest Rate
Customer Type Interest Rate RPLR Minus Spread AHFCL RPLR
Salaried 12.00% to 16.00% 6.20 % to 3.20 % 18.20%
Self Employed 12.50% to 16.00% 5.70 % to 3.20% 18.20%
Self Employed / Non Professional 12.50% to 16.00% 5.70 % to 2.20 % 18.20%
* RPLR - Retail Prime Lending Rate
Processing Fees
Sr. No. Fees / Charges Type Description
1. Non-refundable Processing fees: Rs. 5,900 /- (Five Thousand and Nine Hundred only) The processing fee is a onetime non-refundable fee, and is collected by AHFCL for the purpose of appraising the application for the Loan and the same are independent of the outcome/result of such appraisal. Please note that the processing fees is payable at the time of submitting Application Form, duly filled in by way of cheque/Demand Draft favouring AHFCL and /or such other mode as may be acceptable to the Company.
2. Total Processing Fees (Inclusive of the non – refundable amount) 1.5% to 3% of the sanction amount plus applicable taxes and/ or other statutory levies

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