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  • IndiaBulls Home Loan

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  • Eligible borrowers can now avail Indiabulls home loans from Rs.2 lakh and up to Rs.3 crore with interest rates starting at 8.75% onwards. The loan can be availed for a maximum period of 30 years. The processing fee associated with these loans goes up to 2% of the loan amount.

    We found 2 IndiaBulls Home Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    8.99% - 9.75% Floating
    Up to 1.00% One time fee
    Rs.2L - Rs.3Crs
    1 - 30 Years
    What you'll love
    Fees & Charges
    Good to Know
    9.25% - 11.20% Fixed
    Up to 0.50% One time fee
    Rs.2L - Rs.3Crs
    1 - 30 Years
    What you'll love
    Fees & Charges
    Good to Know

    Apply for a home loan from Indiabulls and choose between different types of housing loans based on your requirement. Avail Indiabulls home loans for the purpose of construction of a new house or purchase a new or existing flat/house.

    Interest Rate 8.75% p.a. onwards
    Loan Amount Up to Rs.5 crore
    Processing Fee 0.5% onwards
    Maximum Tenure 30 years
    Rate Packages Available Floating/Fixed

    Compare: Home Loan Interest Rate all Banks

    Indiabulls Home Loan Schemes

    Indiabulls offers several types of housing loans to suit to your need. Here are the different types of Indiabulls home loans:

    Indiabulls Home Loans

    Key Highlights:

    • End to end online housing loan processing – first in India.
    • Nil prepayment charges.
    • 10,000+ pre-approved projects to choose from.
    • Online housing loans – processed through app and web.
    • Flexible loan tenure.
    • More than 4 lakh properties to choose from IB Home Finder.
    • Multiple repayment options.
    Interest Rate 8.75% p.a. onwards
    Processing Fee 0.50% onwards
    Maximum Tenure 15 to 30 years

    Indiabulls Home Loan Balance Transfer

    Key Highlights:

    • No prepayment charges.
    • Maximum loan to value ratio.
    • Multiple repayment options.
    • Choice of flexible loan tenures.
    Interest Rate 8.75% p.a.
    Processing Fee Contact the bank

    Indiabulls Loan Against Property

    Key Highlights:

    • Maximum finance against the market value of your property.
    • At best mortgage loan rate of interest.
    • Doorstep service.
    • Flexible tenure and repayment options.
    • Easy documentation.
    • Attractive interest rate.
    Interest Rate 9.75% onwards
    Processing Fee 1.00% onwards

    Indiabulls Home Extension Loan

    Key Highlights:

    • For the purpose of extending your existing house.
    • Attractive interest rate.
    • End to end online loan process.
    • Nil prepayment charges.
    • Flexible loan tenure and multiple repayment options.
    • Simple documentation process
    • Available to new and existing customers.
    Interest Rate Contact the bank
    Processing Fee 0.50% onwards

    Indiabulls Rural Home Loan

    Key Highlights:

    • Housing loan designed for rural and semi-urban residents.
    • Attractive rate of interest.
    • Simple documentation process.
    • Flexible tenure and repayment options.
    Interest Rate Contact the bank
    Processing Fee 0.50% onwards

    Indiabulls Home Loan EMI Calculator

    Calculate the Equated Monthly Instalment (EMI) payable towards your housing loan using the Indiabulls Home Loan EMI calculator. The EMI per lakh is Rs.787.

    *Here the loan amount is Rs.1 lakh for a tenure of 30 years with interest rate charged at 8.75% p.a.

    Enter the required fields with required details such as loan amount, loan tenure, rate of interest and the processing fee on the Home Loan EMI Calculator and click ‘Calculate’. You’ll be redirected to a new page which offers the breakup of the total amount payable to the bank and the total interest payable along with the EMI payable during the tenure of the home loan.

    Indiabulls Home Loan Eligibility Criteria


    • Resident of India

    • NRI/PIO

    • If a property is mortgaged, all joint owners will be co-applicants.


    Documents Required for All Home Loan Applications Under Indiabulls

    Below are the documents required to apply for an Indiabulls housing loan:

    Mandatory for all Applicants:

    • Duly signed application form.
    • Passport size photograph.
    • Proof of identity – PAN card/ Aadhar card/Passport/Driving License/Voter ID.
    • Proof of address – Registered rental agreement/Electricity bill (valid only up to 3 months)/Passport.
    • Processing fee cheque.
    • Property documents:
      • Sale deed, Katha, Transfer of Ownership.
      • No Objection Certificate (NOC) from the builder/housing society (original copy).
      • Lad tax paid receipt.
      • Possession Certificate.

    For Salaried:

    • Form 16 of last 2 years or Form 26 or IT returns for 2 years.
    • Salary Certificate of 1 year with authorised company stamp.
    • Bank statement for last 6 months.
    • Offer letter.
    • Salary slip of last 3 months.

    For Self-Employed Professional

    • 2 years IT Returns with computation.
    • Balance sheet of 2 years.
    • Profit and loss statement for last 2 years.
    • Bank statement of 6 months.
    • Qualification proof.
    • Gumasta license.

    For Self-Employed Non-Professional

    • 2 years IT Returns with computation.
    • Balance sheet for the last 2 years.
    • Profit and loss statement for the last 2 years.
    • Bank statement of last 6 months.
    • Qualification proof.
    • Gumasta license.

    For BSF Customer:

    • Application form attested along with Service Certificate.
    • Form 16 of last 2 years.
    • Salary slips for the last 3 months.
    • Form 16 of last 2 years.
    • Confirmation Certificate/Service Certificate.

    For NRI/Merchant Navy:

    • Registered Rental Agreement with utility bill (not less than 3 months).
    • Salary slip of last 6 months.
    • CDC (Continuous Discharge Certificate).
    • Passport.
    • Last 3 years contract copy.
    • 1-year bank statement for NRE/NRO account.
    • Form 16 for 2 years with computation.

    Other Related Documents:

    • Sanction Letter/Account Statement of existing loans and banks statements reflecting the loan repayments.
    • Form 16 in case of recent employment.
    • If property identified and chosen, then photocopy of property title documents.
    • Bank statement reflecting the payment made to the builder (own contribution).

    FAQs on Indiabulls Home Loan

    1. What are the loan tenure options offered by Indiabulls towards home loans?

      Indiabulls offers housing loans with tenures of up to 30 years; however, this is restricted till the age of 65 years or your retirement age, whichever is earlier.

    2. How does Indiabulls charge or calculate the rate of interest for home loans?

      Indiabulls calculates the rate of interest based on monthly rests.

    3. What’s a monthly reducing balance?

      The EMI payable includes two components – interest amount and the principal amount. When the interest is computed on monthly rests, the principal amount on which the interest is levied decreases every month.

    4. What’s the loan tenure options for loan against property loan?

      Indiabulls offers Loan Against Property (LAP) up to a maximum of 15 years; however, the term should not extend beyond 65 years of age or retirement age, whichever is earlier.

    5. What’s an amortization schedule?

      It’s a table reflecting how much you loan amount is reduced through monthly instalments and shows the breakup of every EMI into repayment of interest and outstanding principal of the loan.

    6. Can I make part payment online?

      Yes. Indiabulls offers the option to make part payment online through its customer portal through net banking/debit card/UPI.

    7. When does the loan reflect the part payment of the home loan?

      The turnaround time for the part payment is four working days, with the effect given on the realization date and interest benefits from realization date.

    8. When will the interest rate on the loan account change?

      If you pay the switch fee on or before the EMI cycle date, then the change shall be given from the next month’s cycle.

    9. What’s the procedure for an NRI to avail a housing loan from Indiabulls?

      Indiabulls has opened two offices in Dubai and London to assist NRIs in availing a home loan. You can either apply online or walk into their offices.

    10. How is the eligible loan amount decided by Indiabulls?

      Indiabulls considers parameters such as income, age, qualification, repayment capacity, number of dependents, spouse’s income, assets and liabilities, and the continuity and stability of your occupation.


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