Indiabulls Home Loan


Indiabulls Home Loan has been designed as a convenient way to finance your home. With competitive interest rates and flexible repayment options, you can choose the loan that best suits your needs, And about 90% of the property value can be sanctioned as the loan amount. In addition, the maximum loan tenure can go up to 30 years. The loan process is simple and streamlined, with quick approvals and disbursals. Applicants can also get a free credit report to ensure they can get their loan approved. 

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IndiaBulls Home Loan

  • Interest Rate

    8.99% - 9.75%

  • Loan Amount

    ₹10L - ₹5Cr

  • EMI Per Lakh

    ₹2,075 - ₹2,112

  • Processing Fees

    3% onwards
  • Pre-Payment Charges

    >6 months: 5%

Features and Benefits of Indiabulls Home Loan

Know the multiple features and benefits you should know before you apply for Indiabulls Home Loan are:

  • IBHFL offers an instant sanction facility.
  • There are no hidden charges.
  • Indiabulls Housing Finance Limited Company requires minimal documentation for home loans.
  • You get attractive interest rates on Indiabulls Home Loans.
  • IBHFL has easy and speedy processing for home loans.
  • You get flexible repayment options on Indiabulls home loans.
  • One can choose between long and short tenure as per their convenience.
  • Borrowers can pay their loan using any of these payment options:
    • EMI
    • Prepayment
    • Flexible Loan Investment Plan through Cheque or Drafts / RTGS Transfer / Post Dated Cheque / Cash / NEFT / Fund Transfer

Indiabulls Housing Finance (IBHF) offers home loans of up to 90% of the value of the property. Indiabulls’ interest rates start from 9.30% per annum while its maximum loan tenure goes up to 30 years. It also provides a balance transfer facility to existing borrowers of Housing Finance Companies and other banks. A rural home loan scheme is also available in Indiabulls that allows rural and semi-urban residents to borrow home loans from IBHFL. 

  • Instant sanction facility
  • No hidden charges
  • Minimal documentation required
  • Attractive interest rates
  • Easy and fast processing for home loans

Indiabulls Home Loan Fees and Charges

Particulars Charges
Processing Fees Rs. 10,000 for a loan amount that goes up to Rs. 30 Lakh. 0.50% for a loan amount between Rs. 30 Lakh and Rs. 300 Lakh. 0.50 - 1.00% for the loan amount of more than Rs. 300 Lakh.
Prepayment Charges NIL - for floating rates. 2% of the amount prepaid - for loan prepayment from other than own sources during the loan’s Fixed Interest Rate period.
Late Payment Charges 24% of outstanding EMI per annum
PDC / ECS Dishonour Charges Rs. 500 (for home loans) NIL (on the representation of ECS / PDC
PDC / ECS Swapping Charges NIL
Registration Charges for Borrowers’ ECS Mandate NIL
Charges for the Account/Amortisation Schedule Statement Rs. 200
Income Tax Certificate in Home Loans NIL
Database Admin Fee Rs. 650
Charges for Certified Copies of Title Deeds from SRO As Per Actual

Types of Indiabulls Home Loans

Indiabulls offers four types of home loans. These include the following:

Indiabulls Home Loans
  • This loan type is offered to those seeking funds to purchase, renovate or extend a residential property.
  • These loans are offered at interest rates starting from 8.65%.
  • The loan amount offered in this type of loan is up to 90% of the value of the property.
  • The tenure for these loans is up to 30 years.
Indiabulls Rural Home Loans
  • This type of loan is offered to all rural and semi-urban residents of India.
  • These loans are offered at interest rates starting from 8.65%.
  • The loan amount offered in this type of loan is decided per credit assessment.
  • The tenure for these loans is up to 30 years.
Indiabulls Home Loans for NRIs
  • This loan type is offered to those who might be staying outside India but wish to buy a property in the country.
  • The interest rates for these loans are decided as per credit assessment.
  • The loan amount offered in this type of loan is determined per credit assessment.
  • The tenure for these loans is up to 30 years.
Indiabulls Home Loan Balance Transfer
  • This loan type is offered to those who wish to transfer their existing home loan account to IBHFL for a lower rate of interest or for better terms to reduce their loan repayment.
  • The interest rates for these loans range between 8.80% to 12% per annum.
  • The loan amount offered in this type of loan is decided per credit assessment.
  • The tenure for these loans is up to 30 years.

Documents Required for Indiabulls Home Loan

  • Given below is the list of documents required for the Indiabulls home loan application.
  • Duly signed application form.
  • The primary applicant’s passport size photograph.
  • Identity Proof (Aadhaar Card / Pan Card / Passport / Driving Licence / Voter ID).
  • Address Proof (Registered Rent Agreement, Electricity Bill valid only for 3 months, Passport).
  • Processing Fee Cheque.
  • Original Copies of the Property’s Documents:
    • A Sale Deed, Katha, Transfer of Ownership
    • NOC - No Objection Certificate from the builder or Housing Society
    • Possession Certificate
    • Land Tax Paid Receipt

Indiabulls Home Loans Schemes/Products with Interest Rates

One of the top housing finance companies in India, Indiabulls, is recognised for its overall credibility and AA ratings from esteemed rating bodies like CRISIL and ICRA. Established in 2000, the company has assisted over a million satisfied customers by providing financial solutions amounting to ₹ 2.77 trillion. Indiabulls has a robust presence across the country. It has prioritised its efficient services with competitive pricing, and it specialises in catering to the housing sector. As a pioneer in the housing market, the company aims to make the home purchasing journey for its clientele a super easy process. 

Indiabulls Home Loans for NRIs

If you are living abroad and want a customer-centric experience, then IBHL would be an ideal choice. Indiabulls home loans for NRIs extend beyond just financing, assisting in property selection, document formalities, and customising the right repayment plan. We streamline the path to homeownership, ensuring a swift and smooth application experience. The Indiabulls Home Loans for NRIs scheme is designed to meet the unique needs and offerings that simultaneously reduce the paperwork while providing payback choices. Owing to Indiabull's strategic positioning in Dubai, its NRI Home Loan offering has gained significant traction. Securing an NRI housing loan is now more convenient than ever.

Who Can Apply: Indian nationals who have a valid passport and are working in some other country can easily apply for Indiabulls NRI home loans. Also, it is a prerequisite to have an Indian resident as a co-signer for such loans. As far as repayment tenure is concerned, it can be distributed over a period of up to 15 years. 

Home Renovation Loan

Wanting to enhance your home’s overall comfort is a natural feeling. Your house reflects your preferences and how you perceive the world. While getting a home loan for house renovation can be an overwhelming experience, with Indiabulls, it is a very easy and efficient process. One can easily apply for a housing loan via the Indiabulls app or website. With Indiabulls home renovation loan, you get zero prepayment charges, attractive interest rates, a simple documentation process, multiple loan repayment options, quick approval, and disbursal. 

Who Can Apply: Anyone can apply for a home renovation loan individually as well as jointly. The loan repayment term is spread over a period of 15 years. 

Documents Required 
  • Identity and residence proof: Aadhaar card, Valid driving licence, Valid passport, Voter ID card
  • Income proof for salaried employees: Salary slips for the last three months, Banks statement of last six months, last 2 years Form 16 or IT returns
  • Income proof for self-employed: Last three years IT returns, Current account statement for of the business entity for last 12 months; Savings account statements of the individual for the last 12 months 

Home Extension Loans

It goes without saying that as families grow, homes need to expand. With Indiabulls Home Extension Loans, it is now possible to make your dream of a bigger home come true. This ensures comfort for everyone. Home extensions can be expensive. But with IBHL, you're covered. Indiabulls home extension loans come with good interest rates to keep your savings intact. And its services make the loan process fairly easy.

Who Can Apply: Anyone can apply for Indiabulls home extension loans, both individually and jointly. The only condition to be met here is that all the owners of the property must be the applicants or co-applicants of the loans. 

Documents Required: Identity and residence proof: Salary slips for the last three months, bank statements for the last six months, and last two years Form 16 or IT returns

  • Proof of income for the self-employed: Last three years income tax returns, current account statements of the business entity, savings account statements of last 12 months 
  • Property papers: Title deeds of the property, proof that showcases no encumbrances

Rural Home Loans

Experience the benefits of our cost-effective housing finance tailored for those residing in rural and semi-urban areas. Pursue your aspiration of homeownership with ease by applying for a housing finance solution at Indiabulls. Benefit from competitive interest rates, and let us guide you throughout, from paperwork assistance to optimal EMI and tenure determinations. It offers features like checking your loan eligibility, attractive interest rates, speedy processing, flexible repayment, and tenure.

How does the EMI Calculation Work for Indiabulls Home Loan?

Indiabulls’ Home Loan EMI Calculator helps you know the approximate EMI you need to pay monthly for servicing your housing loan. You only have to enter a few details such as the loan amount, interest rate, loan repayment tenure and processing fees to calculate the EMI amount in the online loan calculator. The EMI for an Indiabulls Home Loan is Rs. 780 per lakh.

Balance Transfer Indiabulls Home Loan

Balance transfer loan is for those who wish to transfer their existing home loan account to Indiabulls for lower interest rates. The key highlights of Indiabulls Balance Transfer Home Loan Balance include:

  • Interest Rate starts from 9.30% per annum.
  • The loan amount is as per the credit assessment.
  • The maximum home loan repayment tenure is up to 30 years.
  • Maximum loan to value ratio.
  • Flexible options for loan tenures.

Note: The above rates are as on 30th November 2021. They are subject to change without prior notice.

Indiabulls Home Loan Customer Care Number

Helpline Number: 1800-572-7777

Official Hours: Monday to Saturday (9 am to 6 pm)

(Except 2nd and 3rd Saturdays and Public Holidays)


From refinancing to reducing your interest, we have the answers right here.

Is a home loan a tax-saving deduction?

No. A home loan doesn’t help you save more tax. However, Section 24B says you can have the maximum saving of up to Rs. 2 lakh on account of interest payment. Thus, if you’re paying more than Rs. 2 lakh per annum as the interest amount, you cannot save taxes.

Does Indiabulls have a fixed rate of interest on a home loan?

Yes. Indiabulls offers a fixed rate of interest on a home loan.

What is the interest rate of a Home Loan in Indiabulls?

9.3% per annum onwards.

What is the maximum home loan amount I can get from Indiabulls?

You can get a home loan of a maximum of Rs. 3 Crore from Indiabulls.

How can you apply for a home loan in Indiabulls online?

If you want to apply for Indiabulls home loan online, you need to visit the official website of the organisation and follow the process of the home loan application.

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