IndiaBulls Home Loan

  • Interest Rate starting at 8.99%
  • Loan Tenure up to 30 years
  • Loan Amount up to 90% of property value
  • Processing Fees up to 1% + GST
Get IndiaBulls Home Loan

Indiabulls offers home loans starting at just 8.99% for a tenure extending up to 30 years. Borrowers can avail of home loans for the purpose of buying a house/plot or home renovation/extension. They also offer flexible prepayment options to make repayment easier for borrowers.

IndiaBulls Home Loan Summary
Interest Rate 8.99% onwards
Loan-to-Value Ratio Up to 90% of Property Value
Loan Tenure Up to 30 Years
Processing Charges Up to 1% of loan amount + GST

Note : Rates and processing fees are subject to change at the discretion of the bank or according to RBI directives.

Indiabulls Home Loan Eligibility

Here are some basic criteria an applicant has to meet to be eligible for an Indiabulls Home Loan.

An Applicant must be:
  • An Indian Resident
  • Salaried or self-employed
  • Between 18 and 65 years of age
  • A co-applicant has to be a spouse or blood relative
  • In case of joint home loan, a co-applicant has to be a co-owner of the property.

Learn how much Home Loan you’re eligible for with the Fincity Home Loan Eligibility Calculator.

Use the calculator to feed in some basic details and have the amount displayed to you instantly.

Indiabulls Home Loan Interest Rates

Indiabulls home loan interest rates start at just 8.99% per annum and depend on factors such as the applicant’s loan amount, credit profile, tenure, property type and other risk parameters.

Note :The above rate is subject to change at the discretion of the banks or on the basis of RBI directives.

Indiabulls Home Loan Processing Fees & Charges

Here’s a list of the processing and other fees charged by Indiabulls when you apply for a Home Loan.

Particulars Applicable Charges
Processing fees
  • Up to Rs.30 lakh – Up to Rs.10,000 for loan amount
  • Rs.30.01 lakh to Rs.300 lakh – Up to 0.50% for loan amount
  • Over Rs.300 lakh – 0.50% to 1.00% for loan amount
Prepayment Charges
  • Nil for floating rates
  • 2% of the amount prepaid for loan prepayment from other than own sources during the Fixed Interest Rate period of the loan
PDC / ECS dishonour charges
  • Rs.500 (home loans)
  • Nil on the representation of ECS / PDC
Late payment charges

24% per annum of outstanding EMI

PDC/ECS swapping charges

Nil

Charges for the statement of account/amortization schedule

Rs.200 

Registration charges for borrowers’ ECS mandate (loan repayment)

Nil

Income tax certificate in home loans

Nil

Charges for certified true copies of title deeds from SRO, if applicable

As per actual

Database admin fee

Rs.650 

Note :The above rates are subject to change at the discretion of the banks without prior notice.

Indiabulls Home Loan EMI Calculation

Check the home loan EMI for every Indiabulls Home Loan scheme that interests you. Enter the required details such as the loan amount, tenure and interest rate in the Fincity Home Loan EMI calculator and know the monthly EMI amount in seconds.

Indiabulls Home Loan Documents Required

Here’s a list of documents required to apply for a home loan from Indiabulls:

  •  Passport size photograph of the primary applicant 
  • Duly signed application form 
  • Proof of Identity (any 1): 
    • Aadhaar Card 
    • PAN Card 
    • Passport 
    • Driving License 
    • Voter ID 
  • Proof of Address: 
    • Registered Rent Agreement 
    • Electricity Bill (Valid only up to 3 months old) 
    • Passport 
  • Processing fee cheque 
  • Property documents (original copies): 
    • A Sale Deed, Katha, Transfer of Ownership 
    • No Objection Certificate (NOC) from the builder / Housing Society (Original Copy) 
    • Land Tax Paid Receipt 
    • Possession Certificate

Note : Required documents must be self-attested and may slightly differ.

Indiabulls Home Loans start at 8.99% interest; they come with a flexible loan tenure and no prepayment charges. They also offer borrowers over 10,000 pre-approved projects to choose from and have multiple repayment options.

Interest Rate 8.99% p.a. onwards
Processing Fee Up to Rs.30 lakhs: Rs.10,000, Rs.30 lakhs to Rs.3 crores: 0.50% of the loan amount, Above Rs.3 crores: 0.50% to 1% of the loan amount.

Indiabulls offers Home Renovation Loans for the purpose of home repair/renovation starting at 8.99% for a tenure of up to 15 years. The documentation is simple and loan processing is fast. It comes with zero prepayment charges, and is available to both new and existing customers.

Interest Rate 8.99% onwards
Processing Fee Up to Rs.30 lakhs: Rs.10,000, Rs.30 lakhs to Rs.3 crores: 0.50% of the loan amount, Above Rs.3 crores: 0.50% to 1% of the loan amount.

This scheme is for the purpose of home extension, i.e., adding additional spaces such as a balcony or room to an existing house. It comes at a low interest rate, has zero prepayment charges and flexible prepayment options.

Interest Rate 8.99% p.a. onwards
Processing Fee Up to Rs.30 lakhs: Rs.10,000, Rs.30 lakhs to Rs.3 crores: 0.50% of the loan amount, Above Rs.3 crores: 0.50% to 1% of the loan amount.

This unique scheme is designed specifically for rural and semi-urban residents. They come with a simple documentation process and a flexible tenure.

Interest Rate 8.99% p.a. onwards
Processing Fee Up to Rs.30 lakhs: Rs.10,000, Rs.30 lakhs to Rs.3 crores: 0.50% of the loan amount, Above Rs.3 crores: 0.50% to 1% of the loan amount.

Finding the lowest rate home loan with all the benefits you need is an uphill task - especially when you do everything on your own.

So don’t! Let a Fincity advisor help you find your home loan rate match - and also guide you along the way until the loan is actually disbursed. Contact an expert for free assistance at hl@fincity.com now!