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  • Overview
  • Loan Calculations
  • Highlights
  • Home Loan Interest Rates
  • Compare With Other Banks
  • Processing Fees
  • Fees and Charges
  • Home Loan Types
  • EMI Calculator
  • Eligibility Criteria
  • Documents
  • Tenure
  • How to Apply
  • Loan Amount
  • Customer Care
  • Nearest Branches
  • Disbursement Process
  • Home Loan Insurance
  • Tax Benefits
  • Bank Features
  • Why Choose Credit Dharma

IDBI Home Loan

IDBI offers adaptable home loan solutions with competitive interest rates starting at 8.45% p.a. and repayment options extending up to 30 years. Customers can avail loans of up to ₹5 crore, meeting diverse needs like plot purchases, new home construction, renovations, and extensions. Additionally, IDBI provides tailored loan options, including exclusive benefits for applicants.

Rate of Interest

8.45% - 10%

Loan to Value

80% - 90%

Loan Tenure

Max 30 Years

Max Loan Amount

5cr - 10cr

Rate of Interest8.45% - 10%
Loan TenureMax 30 Years
AgeSalaried : 22 - 70 years
Self Employed : 25 - 65 years
ProfessionSalaried/Self Employed
IncomeMetro Cities : 20,000/Month & Above
Other Cities : 15,000/Month & Above
NationalityResident Indian/ NRI
Max Loan Amount5cr - 10cr
Plot Purchase
Independent Building
Apartment
Resale Property
New Construction
LTV80% - 90%
Home Loan
Plot Cum Construction Loan
Balance Transfer
Overdraft Facility
Top Up Facility
Other OfferingsLoan Against Property, Loan Against Securities
Processing Fees0.50% of loan amount (Plus applicable taxes)
Other ChargesNo prepayment and foreclosure charges
Overdraft Facilities-
Highlights• Quick Processing
• Top up facility up to 100%
• Power-Packed customized Features to suit your Home Loan requirements.
• Flexible Loan Repayment Options
• Most experienced personnel for smooth and easy loan processing.
• Already approved projects for convenience of Home Loan buyers

*Disclaimer: The interest rate, maximum tenure, and other charges are subject to change, it's advisable to check with our experts for the latest information.

Home Loan Calculations
₹50,00,000
20 Years
Loan Amount₹ 50,00,000
Loan Tenure20 years
Rate of Interest8.45% - 10%
Monthly EMI₹ 43,233 -
₹ 48,251

IDBI Home Loan Highlights

The IDBI home loan offers flexible terms, competitive interest rates, and high loan amounts, making it an ideal choice for aspiring homeowners.

CategoryHighlights
Interest Rate8.45% p.a. onwards
Loan AmountMaximum Amount: Rs. 5 Crores
Loan Tenure30 Years
Processing Charges0.50% of loan amount
Prepayment ChargesNo pre-payment/foreclosure charges

IDBI Home Loan Interest Rates

IDBI provides home loans with interest rates that reflect current market conditions and are influenced by factors like your CIBIL score. You can choose a fixed rate or a floating rate, according to your financial situation.

Floating Interest Rates

Plain Vanilla Home Loan (For Purchase/Construction/Extension)

Type of ApplicantsInterest Rate
Salaried/Self-employed Professional8.45%-10.75% p.a.
Self-employed Non-Professional8.55%-12.25% p.a.

Plot Loan for House Construction

Loan ProductsInterest Rate
Plot Loan9.80%-10.40% p.a.

Rural/Semi Urban Housing

For Loan Amount of up to Rs 35 lakh

Type of ApplicantsInterest Rate
Salaried/Self-employed Professional8.45%-10.70% p.a.
Self-employed Non-professional8.75%-10.80% p.a.

Home Loan Top-up

Housing PurposeSuvidha Top-up (Non-Housing Purpose)
Interest rate of existing home loan +20 bpsInterest rate of existing home loan +75 bps

Fixed Interest Rates

Plain Vanilla Home Loan (Purchase/Construction/Extension)

TenureInterest Rate
For 3 years10.90% p.a.
For > 3 years12.00% p.a.

Plot Loan for House Construction 

Loan AmountInterest Rate 
All loan amount12.25% p.a.

Compare Home Loan Interest Rate Offered by Top Banks

Comparing home loan interest rates from leading banks helps you identify affordable financing options. Get a clearer view of each lender’s terms and choose the best home loan that matches your budget and financial goals.

BankUp to Rs. 30 LakhAbove Rs. 30 Lakh to Rs. 75 LakhAbove Rs. 75 Lakh
SBI Bank8.50% p.a. onwards8.5% p.a. onwards8.50% p.a. onwards
HDFC Bank8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
LIC Bank8.50% – 10.35% p.a.8.50% – 10.55% p.a.8.50% – 10.75% p.a.
ICICI Bank8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
Kotak Mahindra Bank8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
Punjab National Bank8.50% – 11.05% p.a.8.50% – 11.05% p.a.8.50% – 11.05% p.a.
Bank Of Baroda8.40% – 10.65% p.a.8.40% – 10.65% p.a.8.40% – 10.90% p.a.
Bajaj Housing Finance8.50% p.a. onwards8.50% p.a. onwards8.50% p.a. onwards
Axis Bank8.75%-10.30% p.a.8.75%-10.30% p.a.8.75%-10.30% p.a.
Bank of India8.40% p.a onwards8.40% p.a onwards8.40% p.a onwards
TATA Capital8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
The interest rates, maximum tenures, and other charges are subject to change, and it’s advisable to check with our experts for the most current information.

Check Out: IDBI vs SBI vs. HDFC


IDBI Home Loan Processing Fees

IDBI takes processing fees to cover the cost of reviewing your documents and assessing your loan application. 

CategoryProcessing Fees
For Home Loan0.50% of loan amount
For Reverse Mortgage Loan/Loan for
commercial property Purchase
1% of the loan amount
For Loan Against Property/ Loan Against
Property-overdraft / Loan Against
Rent Receivables / Home Loan Interest
Saver
1.00%of loan amount

IDBI Top Home Loan Schemes

IDBI provides a variety of home loan schemes tailored to meet different needs. These include Home Loans for property purchases, Top-Up Loans for additional financial needs, loans for NRIs and HNIs, Overdraft (OD) Loans for flexible funding, and loans for Home Renovation or Extensions.

IDBI Home Loan

Make your dream of owning a home a reality with IDBI Home Loan, designed for your convenience and personalized to suit your needs. Experience a seamless journey to your perfect home with our tailored solutions.

Additional Benefits

  • Customized Home Loan Features for Salaried (Including NRI), Self Employed Professional.
  • Already approved projects for convenience of Home Loan buyers
  • Flexible Loan Repayment Option viz. Flexible Loan Installment Plan, Step up & Step down repayment facility, Tranche Based EMI.
  • A loan from anywhere to purchase a home anywhere in India.
  • In-principle loan approval even the before property is selected.

Highlights

Tenure30 years
Rate of Interest8.45% p.a. onwards
Note: A moratorium period is a temporary pause that allows you to skip loan repayments for a set time.

Eligibility Criteria

Age22 years – 70 years
NationalityIndian/ NRI/ PIO
Note: Trust is not eligible under the scheme.

Must Read: Find Out How Much You Can Save with a Home Loan Overdraft

IDBI Pradhan Mantri Awas Yojna – Credit Linked Subsidy Scheme

Under the Pradhan Mantri Awas Yojana (PMAY), the Credit Linked Subsidy Scheme (CLSS) offers interest subsidies on home loans, making housing more affordable. Designed for EWS, LIG, and MIG groups, it empowers families to fulfill their dream of owning a home.

Highlights

Tenure30 years
Rate of Interest8.45% p.a. onwards
Note: A moratorium period is a temporary pause that allows you to skip loan repayments for a set time.

Eligibility Criteria

Age22 years – 70 years
NationalityIndian/ NRI/ PIO
Note: Trust is not eligible under the scheme.

IDBI Bank Mortgage Loan
(Loan Against Property)

Unlock the value of your property with IDBI Bank’s Loan Against Property facility. Mortgage your residential or commercial property to access funds and meet your financial needs with ease.

Highlights

Tenure15 years
Rate of Interest8.45% p.a. onwards
Note: A moratorium period is a temporary pause that allows you to skip loan repayments for a set time.

Eligibility Criteria

Age22 years – 70 years
NationalityIndian/ NRI/ PIO
Note: Trust is not eligible under the scheme.

IDBI Home Loan EMI Calculator

EMI is a fixed monthly amount that you are required to pay to the bank until your home loan is fully repaid. 

Calculate your home loan EMI and estimate your monthly repayments. You can adjust loan amounts and tenures, and make well-informed decisions before committing to the bank.

How to Calculate IDBI Home Loan EMI?

Home loan EMI is calculated using a mathematical equation:

EMI = [P*r*(1+r)^n]/ [(1+r)^n -1]

Where:
P = Principal (loan amount borrowed)
r = Interest rate 
n = Total number of monthly installments (loan tenure in years*12)

Example: Case Study | Home Loan EMI 20 vs 30 Years

Aman, a young professional living in Mumbai, has just found his dream home – a spacious 3BHK apartment near his workplace. He decides to take a home loan from the IDBI to finance the purchase. 

Before signing the loan agreement, Aman wants a clear picture of how much he’ll need to pay every month. To figure this out, he calculates his EMI using the loan’s details.

Home Loan Amount: ₹50,00,000 (₹50 lakh)
Rate of Interest: 8.35% p.a.

But, he is considering two options:

  1. A 20-Year Loan (240 months)
  2. A 30-Year Loan (360 months)

Longer Tenure = Lower EMI = Higher Interest Payments

Let’s apply the EMI formula to both scenarios:

Home Loan AmountInterest RateTenureEMIInterest PaymentTotal Payment
Scenario 1₹50,00,000 8.35% p.a.20 years₹42,918₹53,00,236₹ 1,03,00,236
Scenario 2₹50,00,000 8.35% p.a.30 years₹37,915₹86,49,548₹ 1,36,49,548

Which Option Is Better and Why?

If Your Goal Is Long-Term Savings: Opt for the 20-year loan. 

  • Although the monthly EMI is higher, your total interest outflow is much lower. 
  • Over time, you save more than ₹33 lakh in interest compared to the 30-year option. 

If Your Goal Is Immediate Affordability: Choose the 30-year loan. 

  • However, this comes at a significant long-term cost, as you’ll end up paying much more in total interest over the life of the loan.
  • You’ll pay a lower EMI each month, easing short-term financial burden. 

Get the best Home Loan interest rates tailored for you

If you’re looking to choose the right home loan perfectly made according to your needs, then book a call with our experts here.

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IDBI Home Loan Eligibility Criteria

Before applying for a home loan, it’s essential to understand the eligibility criteria. Here’s the essential eligibility checklist set by IDBI:

CriteriaRequirements
Age22 years – 70 years
NationalityIndian/ NRI/ PIO
Note: Trust is not eligible under the scheme.

Documents Required For IDBI Home Loans

When applying for a home loan with the IDBI, you will need to provide specific documents that verify your identity, income, and property details. Below is a detailed list:

General Documents

CategoryDocuments Required
Proof of IdentityPAN Card/ Driver’s License / Voter ID / Passport / Aadhar Card
Proof of AddressDriver’s License / Ration Card / Voter ID / Passport / Aadhar Card / Registered Rent Agreement

Income Proof

SalariedSelf-Employed
Latest Salary-slip for last 3 monthsLast 3 years Income Tax returns (self and business)
Form 16/ITRLast 3 years Profit/Loss and Balance Sheet
Last 6 months bank statement Processing fee chequeLast 6 months bank statements
Processing fee cheque

IDBI Home Loan Tenure

Home loan tenure refers to the duration over which the borrower agrees to repay the loan amount along with interest. IDBI offers flexible tenure options to accommodate varying financial situations and preferences. Here’s an overview:

  • Minimum Tenure: 5 years
  • Maximum Tenure: 30 years

Read More: How to Reduce Your Home Loan Tenure?

Impact of Home Loan Tenure on EMIs

  • EMI: Longer tenure results in lower monthly EMIs; shorter tenure leads to higher EMIs.
  • Interest Payments: Extended tenure increases the total interest, while a reduced tenure decreases it.
  • Budget: Longer tenure eases monthly budget strain, whereas shorter tenure requires higher income stability
  • Cash Flow: Longer tenure frees up cash for other investments, while shorter tenure ties up more funds in EMIs.

How to Choose the Best IDBI Home Loan Tenure?

  • Assess income, expenses, and job security for consistent repayments.
  • Opt for shorter tenures to reduce overall interest costs.
  • Choose EMIs that fit comfortably within your budget.
  • Calculate total interest to minimize long-term costs.
  • Check for prepayment options without heavy penalties.
  • Align tenure with long-term financial goals.
  • Plan to settle the loan before retirement.
  • Factor in potential salary growth for shorter tenures.
  • Balance EMI affordability with loan tenure.

How To Apply For a Home Loan From IDBI ?

  1. Check Eligibility Criteria: Verify age, income, credit score, and employment status.
  2. Calculate Loan Amount and EMI: Use IDBI’s online calculator to determine affordable loan amounts and monthly installments.
  3. Gather Required Documents: Collect identity proof, address proof, income statements, and property-related documents.
  4. Choose Application Method: Apply online through IDBI’s website or visit a nearby branch in person.
  5. Submit the Application: Complete the application form accurately and attach all necessary documents.
  6. Loan Processing and Verification: The bank reviews your application, verifies documents, and conducts a credit appraisal.
  7. Property Valuation and Legal Checks: IDBI assesses the property’s market value and performs legal due diligence.
  8. Receive Approval and Sanction Letter: Upon successful verification, you receive a loan approval and sanction letter detailing terms.
  9. Sign the Agreement: Review and sign the loan agreement, agreeing to the specified terms and conditions.
  10. Disbursement of Funds: The approved loan amount is transferred to your account or directly to the property seller.
  11. Complete Post-Disbursement Formalities: Finalize any remaining documentation and set up repayment methods for EMIs.

Read More: Home Loans in Bangalore

IDBI Home Loan: Minimum and Maximum Loan Amount

IDBI offers home loans that cater to various financial situations. From first-time buyers needing a smaller loan to those looking to invest in premium real estate, knowing the minimum and maximum amounts available can simplify your search. 

Home Loan TypesMaximum and Minimum Loan Amount
IDBI Home loanUp to 90% of the property value.
IDBI Pradhan Mantri Awas Yojna 75% – 90% of the property value
IDBI Loan Against PropertyResidential : 70 % of the property value
Non-residential : 60 % of the property value

IDBI Customer Care Contact Details

To facilitate effective communication with customers, IDBI offers various channels for support.

Contact MethodDetails
Email IDcustomercare@idbi.co.in 
Toll-Free Number1800-209-4324 / 1800-22-1070 (24×7 service)
Official AddressIDBI Bank Ltd., IDBI Tower, WTC Complex, Cuffe Parade, Colaba, Mumbai 400005
Nodal Officer To contact the Nodal Officer:
Call – 022 66908401 / 022 66908532
Email – rtgsneftops@idbi.co.in / etpc@idbi.co.in
Websitewww.idbi.com

IDBI Home Loan Centers Near You

Finding the right support when applying for a home loan is crucial to making your homeownership dreams a reality. IDBI has multiple home loan centers nationwide to provide you with convenient access to expert advice and personalized services. 

Check out the nearest IDBI branch using our branch locator tool.

IDBI Home Loan Approval and Disbursal 

IDBI is committed to processing home loan applications with utmost efficiency. Typically, the entire approval process is completed within 15 to 30 working days from the date of application submission. 

However, this timeline may vary based on several key factors:

  • Completeness of documents
  • Property type and location
  • Applicant’s financial profile and credit score

IDBI Home Loan Disbursement Process

BOB ensures a compliant and efficient home loan disbursement through a three-stage process: Application, Sanction, and Disbursement.

1. Application for Home Loan

Applicants are required to complete the home loan application form, providing necessary personal, income, and property documents and details.

2. Home Loan Sanction

Upon submission, BOB reviews the application and documents. Legal and technical experts assess the property’s compliance and condition.

3. Home Loan Disbursement

After receiving the sanction letter, the borrower is required to complete the down payment and submit final property documents for loan disbursement.

Types of Disbursement

  • Full Disbursement: Entire loan amount released if the property is fully constructed
  • Partial Disbursement: Loan disbursed in stages based on construction progress for under-construction properties

How to Maximize the Chances of IDBI Home Loan Approval?

  • Maintain a high credit score
  • Showcase strong financial stability
  • Reduce existing debt obligations
  • Provide complete and accurate documentation
  • Pay sufficient down payment
  • Choose property in approved locations
  • Maintain consistent employment history
  • Avoid multiple loan applications simultaneously
  • Submit clear and legal property documents
  • Ensure proper property valuation
  • Keep income tax returns up to date
  • Maintain low credit utilization ratio

IDBI Home Loan Insurance

IDBI offers home loan insurance to protect you and your family from unexpected events. This insurance is included in your home loan package and is considered as a home loan component.

IDBI General Insurance

IDBI Bank partners with NIVA Bupa, TATA AIG, New India Assurance, and Ageas Federal Life Insurance to offer comprehensive insurance solutions. Access exclusive co-branded products with competitive pricing, available through IDBI Bank branches.

Features and Benefits

  • Health Insurance: Comprehensive coverage for medical expenses, ensuring financial security during health emergencies.
  • Motor Insurance: Protection for vehicles against accidents, theft, and natural calamities, offering peace of mind to vehicle owners.
  • Travel Insurance: Coverage for unforeseen events during domestic and international travel, including medical emergencies and trip cancellations.
  • Home Insurance: Safeguarding homes and personal belongings against risks like fire, theft, and natural disasters.
  • Personal Accident Insurance: Financial compensation in case of accidental death or disability, providing support to policyholders and their families.
  • Rural Insurance: Specialized products catering to the insurance needs of the rural population, including crop and livestock insurance.

Is Home Loan Insurance Mandatory?

Although not legally mandated, IDBI makes it mandatory for its customers to obtain a home loan insurance.

Benefits of Opting a Home Loan Insurance Premium

  • Financial Security: Ensures loan repayment during unforeseen events.
  • Comprehensive Protection: Covers critical illness, accidents, and death.
  • Joint Borrower Coverage: Protects both borrowers under one policy.
  • Reduced Financial Stress: Lessens financial burden on dependents.
  • Tax Benefits: Possible tax deductions on premium payments.
  • Peace of Mind: Guarantees loan liability coverage in emergencies.

IDBI Home Loan Tax Benefits

Home loans offer significant tax benefits under the Income Tax Act, 1961. These benefits apply to both the principal amount and interest paid, making home loans more cost-effective.

SectionDeduction TypeMaximum Deduction AmountConditions
80CPrincipal Repayment of Home Loan₹1.5 Lakh per annumThe house property must not be sold within five years of possession. 
80CPayment of Stamp Duty₹1.5 Lakh per annumThese expenses can only be claimed in the year they are incurred. 
24bInterest Payment on Home Loan₹2 Lakh per annumThe loan must be taken for purchasing or constructing a house.

If constructing a house, the construction must be completed within five years from the end of the financial year in which the loan was taken.

If the property is let out (rented), there is no cap on the interest deduction under Section 24(b).

This allows property owners renting out their property to claim full interest payments as a deduction.

Note: Section 80C also covers other investments like Public Provident Fund (PPF), Equity-Linked Savings Scheme (ELSS), and more, up to a combined total limit of ₹1.5 lakh.

1. Section 24B – Deduction on Home Loan Interest

What It Is:

  • Allows you to claim a deduction on the interest paid on your home loan.

Benefits:

  • Self-Occupied Property: Deduct up to ₹2 lakh per year on interest payments.
  • Rented Property: No upper limit on the interest amount you can claim.

Example

CategoryAmount
Loan AmountRs. 70,00,000
Interest Payable Per YearRs. 4 Lakhs
Tax Deduction Rs. 2 Lakhs/ Year
Tax Bracket30%
Tax Benefits per YearRs. 66,000

2. Section 80C – Deduction on Principal Repayment

What It Is:

  • Allows deduction on the principal portion of your home loan repayments, up to ₹1.5 lakh per year.

Benefits:

  • Reduces your taxable income by the principal amount repaid.
  • Also includes stamp duty and registration charges (one-time claim in the year incurred).

Example

CategoryAmount
Loan AmountRs. 75,00,000
Principal Payable Per YearRs. 3.5 Lakhs
Tax Deduction Rs. 1.5 Lakhs per Year
Tax Bracket30%
Tax Benefits per Year50,000

Total Tax Benefits (Section 24B + Section 80C = Rs. 1.16 Lakhs/ Year

3. Joint Home Loans – Double the Benefits

What It Is:

  • When two or more people take a joint home loan and are co-owners of the property.

Benefits:

  • Section 24B: Each co-borrower can claim up to ₹2 lakh on interest.
  • Section 80C: Each can claim up to ₹1.5 lakh on principal repayment.
  • Total Tax Savings: Potentially ₹1.05 lakh per person per year (at 30% tax rate).

Who is Eligible to be a Co-Applicant?

  • Father/ Mother
  • Unmarried Daughter
  • Siblings
  • Husband/ Wife
    (Minors cannot be considered as co-applicants for a Home Loan)

Example

CategoryCo Applicant 1Co Applicant 2
Tax Deduction under 24BRs. 2 Lakhs/ YearRs. 2 Lakhs/ Year
Tax Deduction under 80CRs. 1.5 Lakhs/ YearRs. 1.5 Lakhs/ Year
Tax Deductions/ YearRs. 3.5 Lakhs/ YearRs. 3.5 Lakhs/ Year
Tax Bracket30%30%
Tax BenefitsRs. 1.16 Lakhs/ YearRs. 1.16 Lakhs/ Year

When you opt for a co-applicant on your home loan, the savings can be substantial due to the ability to claim tax deductions separately. For example, with a co-applicant, the total tax savings can amount to ₹2.32 lakhs annually. Here’s how it works:

  • EMI Paid per Year: ₹60,000 x 12 = ₹7,20,000
  • Money Saved through Tax Deductions: ₹2,32,000
  • Net Money Paid after Deductions: ₹7,20,000 – ₹2,32,000 = ₹4.88 lakhs

By utilising this tax benefit, you effectively lower your financial outflow, paying only ₹4.88 lakhs per year instead of the full ₹7.20 lakhs. 

Read More: Stamp Duty and Registration Charges in Bihar

Why Should You Choose IDBI For Your Home Loan?

  • In-principle loan approval before property selection.
  • Wide range of home loan products tailored to your needs.
  • Customized home loan features for salaried individuals and self-employed professionals.
  • Access to already approved projects for convenience.
  • Flexible loan repayment options with step-up and step-down facilities.
  • Nationwide presence with 1800+ branches and 75 loan processing centers.
  • Easy home purchase process from anywhere in India.
  • Experienced personnel ensuring smooth and quick loan processing.

How Credit Dharma Simplifies The Home Loan Journey? 

Buying a home is a big step. Getting a home loan can be hard, but we make it easy. At Credit Dharma, we make this possible by offering lowest guaranteed interest rates that keep your monthly payments manageable, allowing you to enjoy more of what truly matters.

But that is not it. We offer:

  • Guaranteed up to 100% funding
  • Receive lifetime assistance and expert guidance long after your loan is approved.
  • Enjoy a fully digital process with minimal paperwork 
  • Get your loan approved within just 1-2 weeks.
What is the interest rate of a home loan from IDBI?

The interest rate for an IDBI home loan varies based on several factors, including the loan amount, tenure, and applicant profile. It’s best to visit the IDBI Bank website or contact their customer service for the most current rates.

How much home loan can I get if my salary is ₹15,000?

The loan amount you can get generally depends on your repayment capacity, which is typically calculated as 50-60% of your monthly income. For a salary of ₹15,000, you might be eligible for a loan amount approximately in the range of ₹7.5 lakh to ₹9 lakh, subject to other eligibility criteria and bank policies.

How much home loan can I get on a ₹50,000 salary?

With a monthly salary of ₹50,000, you could be eligible for a home loan amounting to around ₹25 lakh to ₹30 lakh. This estimate is based on the general principle that the EMI should not exceed 50-60% of your monthly income. Final eligibility will depend on the bank’s assessment of your overall financial profile.

How much home loan can I get if my salary is ₹25,000?

If your monthly salary is ₹25,000, you may be eligible for a home loan in the range of ₹12.5 lakh to ₹15 lakh. The exact amount will be determined by the bank after considering other factors such as your existing liabilities, credit score, and overall financial stability.

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