Indiabulls Home Loan Interest Rates
With easy eligibility conditions and accepted credit score as low as 600, Indiabulls home loans becomes the perfect choice for hard-pressed borrowers. Indiabulls home loan interest rates start at 8.75% p.a. which make home loans affordable. With the lowest EMI possible of Rs. 826 per lakh, check your Indiabulls home loans eligibility to grab your perfect deal.
Indiabulls Home Loan Details
| Loan amount | Up to 90 % of the property cost |
| Rate of interest | 8.75% onwards |
| Tenure | Up to 30 years |
| Lowest EMI possible | Rs. Per 826 Lakh |
| Processing fee | Up to 2% of the loan amount + GST |
| Salary | Rs 50000 |
| Credit Score | 600 |
Tip: Best Home Loan for Salaried Person before applying for a loan
Indiabulls Home Loan Interest Rates 2025
| Products | Interest Rate |
|---|---|
| Regular Home Loans | 8.75% onwards |
| Home Loan Balance Transfer | 8.75% onwards |
Factors Affecting Indiabulls Home Loan Interest Rates
The final interest rate for Indiabulls Home Loan depends on the profile, loan amount, tenure, and type of property. Indiabulls offers attractive floating interest rates on housing loans in the range of 8.75% per annum. Women borrowers get a concession on housing loan interest rate at Indiabulls.
- Loan amount: The interest rate for a housing loan at Indiabulls depends upon the loan amount you apply for. The higher the loan amount, the lesser will be the rate of interest.
- Existing customers: Indiabulls offers discounted interest rates to its existing customers in view of their cordial relationship.
- Type of loan opted for: Indiabulls offers differential interest rates for different schemes.
- The income of the borrower: The rates may vary as per the borrower's monthly income and repayment capacity.
Key things about Indiabulls Home Loan Interest Rates
- The applicant of the loan must be a resident of India/ NRI (for Home Loan to NRIs)
- The applicant needs to have a steady source of monthly income.
- Salaried as well as self-employed applicants can apply for the loan.
- The credit history of the applicant must be good with no default/delayed payment records.
- The applicant should be minimum 21 years of age at the time of application and maximum 65 years at the time of loan maturity.
- Indiabulls Home Loans can be availed to buy a house/plot or renovate/extend an existing home.
Compare Indiabulls Home Loan Rates with other Lenders
| Lender | Interest Rate | Processing Fee |
|---|---|---|
| Indiabulls Home Loan | 8.75% onwards | Up to 2% + GST |
| Bank of India Home Loan | 8.40% - 10.85 | 0.25% + GST |
| SBI Home Loan | 7.50% - 8.45% | Up to 0.35% + applicable GST |
| Navi Home Loan | 8.55% | Zero |
| HDFC Home Loan | 8.45% - 9.30% | Up to 0.50% of the loan amount or Rs. 4,500 (whichever is higher) + applicable taxes |
Additional Info: Also Check Best Banks for Home Loan in India in 2025
Indiabulls Home Loan Fees and Charges
Following are the charges and fees associated with the Indiabulls Home Loans apart from interest rate:
| Description | Charges |
|---|---|
| Processing fees |
|
| Prepayment charges |
|
| Charges for transaction handling in balance transfer or resale Home Loans | 2,500 |
| Charges or PDC/ ECS dishonour | 500 |
| Late payment charges | 24% p.a. of outstanding EMI |
| Charges for retrieval of copies of loan/ property documents held in Indiabulls custody | Hard copies with Indiabulls attestation: 500 Emailing of scanned copies: NIL |
| Statement of account/ amortization schedule charges | 200 |
| Charges for obtaining certified true copies of Title Deeds from SRO (if applicable) | As per Actual |
| Loan agreement stamping charges | As applicable by state laws |
| Charges for retrieval of original property documents | 5,000 |
| Database admin fee | 650 (including service tax) |
Indiabulls Home Loan Interest Rates FAQs
Any biological family member can be a co-applicant such as spouse or children.
The maximum repayment tenure for Indiabulls Home Loan is 30 years (including a holiday period of 3 months) or the applicant attaining the age of 65 years/ till retirement (whichever is earlier).
Indiabulls offers the following housing loans to its customers:
- Home Loans
- Pradhan Mantri Awas Yojana (PMAY)
- Home Loan Balance Transfer
- Home Loans to NRIs
- Rural Home Loans
- Plot Loans
- Home Improvement Loans
- Home Extension Loans
Indiabulls offers affordable interest rates, long repayment tenure, and low processing fee. If your EMIs for a current housing loan are higher than the offer at Indibulls, you can opt for balance transfer.
You can get Home Loan repayment tenure of up to 30 years, including a holiday period of 3 months.
Interest for Indiabulls Home Loans is calculated on monthly rest.
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