How to Check Your Axis Bank Home Loan Application Status Online?

Applying for a home loan is a significant step towards securing your dream home. However, the waiting period for loan approval can be both exciting and nerve-wracking. To help you stay informed and reduce uncertainty, Axis Bank offers multiple convenient ways to track your home loan application status. 

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Check Your Axis Bank Home Loan Application Status Online

One of the most straightforward ways to monitor your Axis Bank home loan application is through the official Axis Finance website. Follow these simple steps to check your application status:

1. Visit the Official Website: Go to Axis Finance Track Application.

2. Enter Required Details: Provide your name, application number, date of birth, and registered mobile number.
3. Generate OTP: Click on the “Generate OTP” button. An OTP will be sent to your registered mobile number.
4. Submit OTP for Verification: Enter the received OTP to verify your details.
5. View Application Status: After successful verification, your application status will be displayed on the screen.

Check Out: Axis Bank Home Loan Interest Rates 2025

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How to Check Axis Bank Home Loan Application Status Via Mobile Application

Axis Bank’s official mobile application provides a convenient platform to check your home loan application status on the go. Here’s how you can do it:

Downloading the App

You can download the Axis Bank mobile app through one of the following methods:

• App Store: For Apple device users, download the app from the App Store.
• Google Play Store: Android users can find the app on the Google Play Store.

Registering on the App

1. Open the App: After downloading, open the Axis Bank mobile app.
2. Register or Login:
   • New Users: Click on ‘Login’ for Android devices, and an SMS will be sent to your device. For Apple phones, click on ‘Send’ in the message inbox to receive the SMS.
   • Existing Users: Click on ‘Login’ and authenticate using your debit card or internet banking credentials.
3. Activate Your Number: Enter the security code received via SMS to activate your mobile number.
4. Set Up Your Account: Enter your name and choose an mPIN for secure access.
5. Access Your Account: Once registered, log in to access your account dashboard.
6. Check Loan Status:
   • Navigate to the ‘Other Accounts’ button on the Account Summary screen.
   • Select the ‘Loans’ option.
   • View the details of your loan status.

Check Out: Axis Bank Home Loan Eligibility Calculator

Read More: Axis Bank Home Loan Top Up

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How to Check Axis Bank Home Loan Status Offline

If you prefer offline methods, Axis Bank offers options to check your home loan status via SMS or phone call:

Method	Customer Type	Instructions	Contact Number
SMS	Standard Customers	Send an SMS with your application details	18604195555 or 18605005555
	NRI Customers	Send an SMS with your application details	+919717000002
Call	Standard Customers	Call from your registered mobile or landline	18604195555 or 18605005555
	All Customers	For assistance, use the alternative toll-free number	18004190231

Also Read: Home Loans in Bangalore

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How to Email Axis Bank for Home Loan Application Status Updates

Another method to inquire about your Axis Bank home loan application status is by sending an email directly to the bank. Here’s how:

1. Visit the Official Website: Navigate to Axis Finance.
2. Go to ‘Get in Touch’: Click on the ‘Get in Touch’ section.
3. Select ‘Support’: From the dropdown, choose ‘Support’.
4. Click on ‘Track Your Application’: On the support page, find and click on ‘Track Your Application’.
5. Choose ‘Home Loans’: In the left-hand panel, select ‘Loans’ and then ‘Home Loans’.
6. Send an Email: Click on the ‘Send us an email’ box and fill out the form with your details:
   • Name as per your account or card
   • Email address
   • Mobile number
   • Customer ID
7. Compose Your Message: Write a message enquiring about your home loan application status.
8. Submit: Send the form, and the customer care team will respond to your query.

Check Out: Axis Bank Home Loan Application Process

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How Long Does it Take to Process a Home Loan Application?

Stage	Key Activities	Estimated Time	Factors Affecting Time
1. Application Submission	Submit application (online/offline) with documents.	Online: Instant Offline: 1–2 days	Document completeness, submission mode (online vs. offline).
2. Eligibility Check	Credit score assessment, income verification, debt analysis.	3–5 business days	Credit profile, income stability, existing debts.
3. Property Valuation	Third-party valuation of property’s market value.	3–7 days	Property type (under-construction/ready), legal clarity.
4. Loan Sanction	Approval of loan amount, interest rate, and terms.	2–3 days post-valuation	Compliance with LTV ratio, valuation report.
5. Legal & Technical Check	Verify property title, ownership, structural safety, and regulatory approvals.	5–10 days	Property disputes, regulatory compliance, builder delays.
6. Documentation	Loan agreement signing, mortgage registration, EMI setup.	1–3 days	Applicant responsiveness, document accuracy.
7. Disbursement	Funds transferred to seller/builder.	1–3 days (ready property)	Builder coordination, escrow formalities.

Total Processing Time

• Best Case : 2–3 weeks (ready property, no delays).
• Typical Case : 4–6 weeks (standard processing).
• Under-Construction : 6–8 weeks (phased disbursement).

Also Read: How to Check Axis Bank Home Loan Application Status?

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Why is My Home Loan Application Taking Longer than the Estimated Timeline?

• Incomplete Documents: Missing or unclear papers trigger back‑and‑forth.
• Valuation Delays: Surveyor scheduling or site‑visit issues.
• Title & Legal Checks: Deep dive into property history.
• Credit & KYC Verification: Third‑party backlogs slow responses.
• High Workload: Peak season or end‑of‑FY surges.
• Compliance Reviews: Extra RBI or internal policy scrutiny.
• System/Integration Glitches: Portal or credit‑bureau hiccups.
• Non‑Working Days: Weekends and regional holidays.

Check Out: Axis Bank Home Loan Processing Fee

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Is There a Way to Expedite My Home Loan Application?

• Submit Complete Documents: Double‑check and upload all KYC, income, and property papers in one go.
• Opt for e‑Sign & e‑KYC: Use digital signatures and Aadhaar‑based verification to avoid physical delays.
• Pre‑Pay Valuation Fees: Clear any fees upfront so the surveyor can schedule the site visit sooner.
• Stay Responsive: Answer bank queries (calls/emails) immediately to prevent hold‑ups.
• Use a Relationship Manager: Lean on your RM for priority escalation within the credit team.
• Choose Digital Channels: Track status via the app and net‑banking to catch outstanding requirements fast.
• Request a Fast‑Track Review: Politely ask the branch or credit desk if you qualify for any priority processing.

Also Read: How to Login to Axis Bank Home Loan Account?

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After Approval, How Long Does it Take to Disburse Home Loan Funds?

• Ready/Resale Properties: Funds hit your account within 3–5 working days after you sign the sanction letter and submit all documents.
• Under‑Construction Properties: Each tranche is released in 3–5 working days following technical and legal clearance for that stage.
• Complex Cases: If extra verifications are needed, disbursal can extend to 10–15 working days.

Suggested Read: Axis Bank Home Loan Balance Transfer

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Can a Co-Applicant Check Axis Bank Home Loan Status Independently?

Yes, in most cases, a co-applicant can check the loan status independently, but it depends on the policies of the lender and the level of access granted to the co-applicant. Typically, both the primary applicant and the co-applicant are equally responsible for the loan, so they often have the same rights to inquire about the loan status.

What Happens if a Co-Applicant Wants to Withdraw from the Home Loan Application?

• Novation Request: Submit a formal request to Axis Bank to remove the co‑applicant.
• NOC from Co‑Applicant: Get a signed no‑objection certificate from the co‑applicant.
• Eligibility Check: Primary applicant must demonstrate income and credit capacity solo.
• Re‑Underwriting: Lender re‑evaluates your profile and, if approved, issues a fresh loan agreement.
• Timeline: Typically takes 2–4 weeks, depending on document completeness and internal approvals.
• Alternate Option: If novation isn’t possible, consider refinancing under your name alone.

How Does a Co-Applicant’s Credit Score Affect the Home Loan Application Status?

• Combined Assessment: Axis Bank evaluates both applicants’ credit histories; a low co‑applicant score can drag down your overall eligibility.
• Interest Rate Impact: A weaker co‑applicant score may lead to a higher interest rate or tougher pricing.
• Sanction Amount: Poor credit on the co‑applicant side can reduce the maximum loan amount approved.
• Approval Probability: Very low scores for either applicant increase the risk of outright rejection.
• Credit Mix & History: Negative marks (late payments, defaults) on the co‑applicant record count equally in the underwriting decision.
• Mitigation: You can request removal of a high‑risk co‑applicant or add a higher‑scoring co‑borrower to improve your profile.

Check Out: Axis Bank Home Loan EMI Calculator

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Why was My Home Loan Rejected?

Applying for a home loan can feel like navigating a maze—and getting a rejection notice at the end only adds to the frustration. You’ve gathered your documents, crunched the numbers, and imagined your dream home, so seeing “declined” can really sting.

Let’s break down the most common reasons lenders say no, so you can pinpoint the hiccup, fix it, and get back on track toward approval.

• Low credit score or adverse credit history
• Incomplete, inconsistent or missing documents
• Insufficient income or too high existing EMIs (debt‑to‑income ratio)
• Applicant (or co‑applicant) outside acceptable age limits
• Unstable job profile or frequent employment changes
• Property issues (unapproved builder/project or low valuation)
• Missing NOCs for previously closed loans
• Multiple recent loan applications triggering credit alerts

If Rejected, How Soon Can I Reapply for a Home Loan?

• No Mandatory Cooling‑Off: You can reapply as soon as you’ve fixed the reason for rejection.
• Credit‑Score Issues: Allow 1–3 months after clearing dues or disputing errors for your bureau to update.
• High EMI Load: Once you’ve paid down outstanding loans or reduced your DTI ratio, you can reapply immediately.
• Documentation Gaps: After you secure missing papers (NOCs, title deeds), submit a fresh application without delay.
• Property Concerns: As soon as builder approvals or valuations are rectified, you’re free to reapply.
• Smart Timing: Space repeat applications at least 4–6 weeks apart to avoid multiple hard pulls on your credit report.

How Can I Improve my Application if it was Previously Rejected?

• Identify the Cause: Request feedback on why you were declined and target that issue first.
• Boost Your Credit Score: Clear outstanding dues, settle any defaults, and correct errors on your credit report.
• Lower Your Debt‑to‑Income Ratio: Pay down existing EMIs or reduce your monthly obligations before reapplying.
• Strengthen Income Documentation: Provide up‑to‑date salary slips, bank statements, Form 16, or professional income proofs.
• Perfect Your Paperwork: Ensure title deeds, builder approvals, NOCs, and all KYC documents are complete and consistent.
• Add a Strong Co‑Applicant: Include a family member or spouse with a solid credit history and stable income.
• Improve Property Credentials: Get a fresh valuation, builder’s completion certificate, and clear any legal or municipal issues.
• Get Pre‑Sanctioned: Seek a conditional approval to understand your eligibility and fix gaps ahead of full application.
• Space Out Applications: Wait 4–6 weeks before reapplying to avoid multiple hard enquiries on your credit file.

Will a Home Loan Rejection Affect my Credit Score?

A home‑loan rejection itself doesn’t ding your credit score—the real impact comes from the “hard” inquiry your lender made when you applied, which may shave off a few points temporarily. The rejection note shows on your report but carries no extra penalty beyond that inquiry. Most scoring models bundle multiple enquiries for the same loan within a short window into one, so avoid repeated applications.

Check Out: Axis Bank Home Loan Insurance

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Conclusion

Keeping track of your Axis Bank home loan application status is crucial for timely updates and peace of mind. Whether you prefer online tracking, using the mobile app, offline methods like SMS and calls, or even emailing the bank, Axis Bank provides multiple avenues to ensure you stay informed throughout your loan approval process. By utilizing these methods, you can monitor your application progress seamlessly and take proactive steps towards securing your home loan.

Frequently Asked Question