Private sector lender Axis Bank has introduced a completely fixed interest rate home loan scheme for the extremely conservative class of home buyers.

Borrowers who want to hedge themselves in totality from market fluctuations in interest rates can actually feel relieved with this scheme.

As its name suggests, 'NISHCHINT' - the life time fixed interest home loan plan comes with an interest rate of 11.75% and a repayment tenor of 20 years.

For loan upto Rs 20 lakh, the loan-to value ratio would be 85% and 80% for loans amounting more than Rs 20 lakh, said the bank.

"At Axis Bank, we want to offer the customer certainty about the EMI they need to pay for the entire life of the loan. 'NISHCHINT' offers that option to the customer at a very attractive rate," said ED (retail banking) of the bank, Mr.R K Bammi.

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