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Indiabulls Home Loan

Indiabulls home loans converts your dream home into reality with a variety of home loans. The Indiabulls housing loans treat customers at attractive inexpensive rates that start at 8.65% per annum for an easy repayment period going up to the maximum of 30 years. You can avail loan up to Rs 5 Cr. to fund your dream home. Whether it is a plan for purchase of a new house or flat or you wish to redecorate/extend your current home, Indiabulls walks you home watching your back on your financial needs. 

Indiabulls Home Loan Highlights

Loan Amount

Ranges up to Rs 5 Cr.

Interest Charges

Starts at 8.65% per annum

Processing Fees

Up to 1% of loan amount 


Up to 30 years



Indiabulls Home Loan Features & Benefits

Here are the prominent features of Indiabulls Home Loan:

Different Home Loans : You can opt from a set of different Indiabulls home loan options. The lender offers different home loan options that are made keeping in mind different purposes. Here are the Indiabulls home loan schemes that you can choose from:

  • Home Loan
  • Home Extension Loan
  • Home Renovation Loan
  • Home Loan Balance Transfer
  • Loan Against Property

Loan AmountIndiabulls home loan amount that you can go for is Rs 5 cr. at maximum. The loan amount is determined by a set of checkpoint such as type of home loan, applican’s profile, repayment capacity etc. Know that keeping a co-borrower can help extend the amount of home loan. 

Rate of Interest : Indiabulls home loan interest rates start from 8.65% per annum. The rate of interest is decided mapping different parameters which include applicant’s profile, tenure, loan amount and many other factors. 

Loan Repayment Tenure : Indiabulls brings a flexible repayment period that goes up to 30 years. You are given the choice to decide the length of Indiabulls home loan repayment tenure. You can choose a short or long repayment period keeping up with your budget. 

PMAY : Pradhan Mantri Awas Yojana- Credit Linked Subsidy Scheme is the government's initiative to provide affordable home loans to the sections of society that are financially weaker. The economically weaker groups, low and middle income groups can apply for this affordable home loan scheme to build a pucca house or extend a current one. 

Under the PMAY scheme, the beneficiaries can avail loans with interest subsidy of up to 6.50%. The repayment tenure offered in this scheme ranges up to 20 years. The loan amount and subsidies vary among different categories of beneficiaries under the scheme. 

Balance Transfer : If you want to avail lower interest rate on your current home loan, then you can go for Indiabulls home loan balance transfer facility. It gives you the privilege of shifting your high-interest-rate home loan to Indiabulls at lower interest. You can reach out to the lender and enquire about the balance transfer facility.

Top Up Loan : If your existing home loan is not enough to meet your financial needs then you can enjoy a financial topping on it. Indiabulls top up home loan is your chance at availing extra loan on your current one that allows you to meet extra financial requirements during your tenure.

Prepayment : Indiabulls enables borrowers to prepay Indiabulls home loan amount. There is no prepayment penalty for individuals in case of foreclosure of home loan at floating rate of interest. In case of the prepayment made during the fixed rate of interest period, the lender charges a prepayment penalty of 2%.

Indiabulls Home Loan Eligibility Criteria

There are certain eligibility standards for Indiabulls home loan that you must meet in order to avail loan easily. You should make sure that you meet Indiabulls home loan eligibility criteria which includes employment, age and credit worthiness. 

Here is the Indiabulls home loan eligibility criteria:

  • Salaried, self employed individuals and professionals can apply for Indiabulls housing loan.
  • Individuals should be at least 25 years old when applying for Indiabulls home loan.
  • Maximum age of loan applicants should not be above 65 years at the time of compilation of home loan. 
  • Credit score of loan applicants should be strong.

Documents Required for Indiabulls Home Loan

Here are the documents required for Indiabulls home loan application:


Salaried Applicants

Self Employed Applicants

Identity Proof

Aadhar Card, Voter’s ID Card, Passport, Driving Licence

Aadhar Card, Voter’s ID Card, Passport, Driving Licence

Address Proof

PAN Card,  Voter’s ID Card, Passport, Driving Licence, Utility Bills such as Electricity, Telephone, Water Bills

PAN Card,  Voter’s ID Card, Passport, Driving Licence, Utility Bills such as Electricity, Telephone, Water Bills

Income Proof

Salary Slips, Bank Statements, Form 16

Balance sheet and profit and loss account, IT Returns, Business Proof

Other Documents

Passport-size Photographs, Duly Filled Application Form, Any Other Documents Required by the Bank

Passport-size Photographs, Duly Filled Application Form, Any Other Documents Required by the Bank

Compare other bank home loan interest rates:



AXIS Bank Home Loan

7.75% to 9.40%

SBI Regular Home Loan

6.95% onwards 

HDFC Bank Home Loan

6.95% to 7.50%

Kotak Mahindra Bank Home Loan

7.40% to 9.70%

Yes Bank Home Loan

9.60% to 10.55%

Citi Bank Home Loan

7.34% to 8.29%

ICICI Bank Home Loan

6.95% to 8.05%

Standard Chartered Bank Home Loan

Starting at 8.71%

IDBI Bank Home Loan

6.80% to 8.40%

RBL Bank Home Loan

9.75% to 10.05%

HSBC Bank Home Loan

8.55% to 8.655

IndusInd Bank Home Loan

8.00% to 15.00%

Bank of Baroda Home Loan

6.85% to 7.75%

Bank of India Home Loan

6.85% to 7.755

Canara Bank Home Loan

6.90% to 8.90%

Indian Bank Home Loan

7.55% to 8.40%

Punjab National Bank Home Loan

Starting at 7.00%

Tata Capital Home Loan

Starting at 6.90%

Union Bank Home Loan

6.80% to 12.65%

LIC Housing Finance

6.90% to 7.90%

Aditya Birla Home Loan

9% to 12.50%

Indiabulls Home Loan EMI Calculator

Here is how you can use Indiabulls home loan EMI calculator:

  • Go to the official website of Indiabulls Housing Finance.
  • Click on “More” and then click on the “Home Loan EMI Calculator”.
  • Enter loan amount, rate of interest and tenure in years.

Your Indiabulls home loan EMI amount will be visible on the screen now.

How to Apply for Indiabulls Home Loan?

You can apply for Indiabulls home loan online or offline. Here is what you have to do:

  • Apply for Indiabulls home loan offline

You need to visit the nearest branch of Indiabulls in order to apply for Indiabulls housing loan offline. You must carry all the documents required for Indiabulls home loan application. 

  • Apply for Indiabulls home loan online

Here are the steps to apply for Indiabulls home loan online:

  • Visit the official website of Indiabulls Housing Finance.
  • Click on the type of home loan you wish to apply for.
  • Click the “Apply Now” button.
  • Enter your mobile number.
  • Hit “Submit”.

Indiabulls Home Loan Customer Care

If you have any further query or you want to raise any complaint, then you can contact the Indiabulls customer care. 

Here is the Indiabulls customer care number:

Contact Number - 1800-572-7777

FAQs On Indiabulls Home Loan

Q.1 What is the interest rate for Indiabulls home loan?

Indiabulls home loan interest rates start at 8.65% per annum. 

Q.2 What are the Indiabulls home loan prepayment charges for individual borrowers?

If a borrower makes the prepayment for home loan at floating rate of interest, then no prepayment penalty will be charged. If the prepayment is made during the fixed rate of interest period, then there will be a prepayment penalty of 2%. 

Q.3 What security/collateral should I provide for Indiabulls home loan?

You can use any property that is in your name as collateral. You must submit the property papers to have the security created. 

Last Updated on : 09/Apr/2021

Know More About

Indiabulls Home Loan

You're eligible for a Indiabulls Home Loan if you:

Are legally adult enough to handle it

Have still got it

Get a regular pay check

Make more than a basic buck

Your eligibility depends on:

Earn more than minimum income required

Maximum allowed Home Loans is Rs. 10K to Rs. 45 lakhs

EMIs of other loans loweryour eligibility

Boost your eligibility by:

Pay off your credit card bills

Choose longer tenure loan up to 5 years

Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:

  • 1. Photo ID and age proof
  • 2. Signed application form with photograph
  • 3. Residence proof
  • 4. Last 6 months bank statement
  • 5. Documentation for salaried applicants:
    • Last 3 months salary - slips
    • Form 16 or Income Tax Returns
  • 6. Documentation for self-employed applicants:
    • Last 3 years Income Tax Returns with computation of Income
    • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account

Indiabulls Home Loan Interest Rates

Updated on 25 Nov 2017

Indiabulls Home Loan Details
Interest Rate (Monthly reducing balance) 8.65% - 0%
Processing Fees 1%
Loan Tenure year to 30 years
Pre-closure Charges Varies with bank
Guarantor Requirement Varies with bank

Home Loans EMI Calculator

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