✓ Home Loan from ₹2 Lakhs to ₹15 Crores ✓ Interest Rates Starting @ 8.50% Apply Now

Offered by lenders across the country, home loans are a great way to purchase your dream home. Among the many home loan financing options available is the Indiabulls Home Loan, a popular option with many features.

Offered by Indiabulls Housing Finance Limited, Indiabulls Housing Loans give you financing for a number of housing expenses, such as

  • Purchase of a residential property 

  • Construct a new home 

  • Renovate an existing property 

  • Transfer an existing home loan from another lender to Indiabulls

With a competitive Indiabulls Home Loan rate of interest, you can get affordable access to home ownership. Read on to learn more about the Indiabulls House Loan, its eligibility requirements, features, types, and more.

Indiabulls Home Loan Interest Rate & Charges 2024

The Indiabulls Home Loan interest rate and charges are as follows:

Loan Amount

Up to ₹5 Crores

Repayment Period

30 years

Interest Rate

8.75% p.a. onwards

Type of Interest Rate

Floating, Fixed, Floating and Fixed

Processing Fee

0.50% onwards

Prepayment charges

Depends on the time of prepayment and source of prepayment

Disclaimer: Above-mentioned rates and charges are subject to change at the lender’s discretion.

Compare Indiabulls Home Loan with other Lenders

Here is a comparison of Indiabulls Home Loan’s current interest rate and other terms with other lenders:

Home Loan Providers

Interest Rates

Bajaj Housing Finance Limited

8.50% p.a. onwards

Home First Finance Company

9.50% p.a. onwards


9.00% p.a. onwards

India Shelter

10.50% p.a. onwards

Kotak Mahindra Bank

9.00% p.a. onwards 

LIC Housing Finance

8.65% p.a. onwards

PNB Housing Finance Limited

8.50% p.a. onwards

Shriram Housing Finance

11.50% p.a. onwards

Shubham Housing Finance

10.90% p.a. onwards

Union Bank of India

8.50% p.a. onwards

Disclaimer: Above-mentioned rates are subject to change at the lender’s discretion.

Indiabulls Home Loan EMI Calculator

Loan Amount
Rate of Interest
Home Loan
Your Monthly Home Loan EMI
Principal Amount
Total Interest
Total Amount Payable
Amortization Schedule
Year EMI Principal Interest Balance

A Home Loan EMI calculator is an algorithm-based tool that can help you get instant estimates of your house loan EMI amount. All you need to do is enter your loan amount, expected interest rate, and preferred repayment tenure.


The online tool will show you your overall EMI outflow within seconds. A housing loan calculator can also help you compare loan options by simply altering the numbers you fed into the tool originally. This way, you will be able to decide which offer suits you the best.

You can easily estimate the EMI amount for your Indiabulls Housing Loan by using their EMI calculator. With this calculator, you can try different permutations and combinations of loan terms to find the ones that best fit your budget. 

This ensures that you can repay the Indiabulls Home Loan on time without straining your finances. To use the calculator, enter the necessary details, such as loan amount, tenure, and interest rate, into the Indiabulls Home Loan EMI Calculator and submit it.

Documents Required for Indiabulls Home Loan

The Indiabulls Home Loan documents required are as follows:

  • Duly filled and signed application form

  • Property documents (Sale agreement, NOC, etc.)

  • KYC documents

  • Cheque for the processing fee

  • Income proof

  1. Bank statements, salary slips, and Form 16 for salaried applicants

  2. Bank statements, ITRs, and financial statements for self-employed applicants

Indiabulls Home Loan Eligibility

Meeting the Indiabulls Housing Loan eligibility requirements is crucial in increasing the chances of getting seamless access to funds. The Indiabulls Home Loan eligibility criteria are as follows:

  • You must be at least 21 while applying and not over 65 when the tenure ends

  • You should be either salaried or self-employed

  • You should meet the minimum income requirement and credit score

You can use a home loan eligibility calculator to check your eligibility. This will enable you to apply for a loan that’s within your repayment capacity and meets the lender’s requirements.

Features and Benefits of Indiabulls Home Loan

The features and benefits of Indiabulls Home Loan are as follows:

Loan Amount

Indiabulls Home Loan offers home loans for up to ₹5 Crores, allowing you to choose the loan amount that suits your requirements and budget.

Flexible Repayment Options

Indiabulls House Loan provides flexible repayment options, including tenure options of up to 30 years. This makes it easier for you to repay the loan in instalments that fit your financial capabilitiesREAD MORE. READ LESS

Competitive Interest Rates

Indiabulls Housing Loan interest rate is competitive, helping you save on interest costs over the tenure of your loan.

Quick Loan Processing

Indiabulls Home Loan has a streamlined loan processing system, ensuring a quick and hassle-free loan approval process, so you can get access to funds faster.

Wide Range of Purposes

You can use the funding from Indiabulls Home Loan for various purposes, giving you the opportunity to meet your different housing needs at an affordable cost.

Types of Home Loan Schemes offered by Indiabulls

The types of home loan schemes offered by Indiabulls are as follows:

1. Home Loan Balance Transfer

With a home loan balance transfer , you can transfer the balance of your existing loan to the housing finance company and enjoy a more cost-effective repayment plan. Generally, a balance transfer of home loans happens at a reduced interest rate, helping you save on EMIs and overall interest costs.

2. Rural Home Loan

Aimed at providing financing to individuals residing in rural and semi-urban areas, this scheme makes owning a home accessible and affordable. 

3. Home Renovation Loan

This loan allows you to avail of funding specifically for renovating your home. With this, you get the chance to upgrade, enhance, or personalise your homes as per your vision. 

4. Home Extension Loan

Specifically designed for borrowers who want to make extensions or additions to their residential property. This scheme offers them the necessary funds to expand or enhance their homes as per their requirements.

5. Home Loan for NRIs

Tailored for Non-Resident Indians (NRIs), Indiabulls Home Loan for NRIs is for those who want to purchase or construct a residential property in India. It offers attractive financing options and flexible repayment tenures to cater to the unique needs of NRI borrowers.

How to Apply for Indiabulls Home Loan Online

To apply online, these are the simple steps to follow.  

  • Visit the official Indiabulls Home Loan webpage

  • Click on “Apply Now” 

  • Choose the home loan option and enter your mobile number

  • Enter the OTP, agree to the terms, and click “VERIFY”

  • Fill out the application form and proceed with loan processing

Indiabulls Customer Care

Indiabulls customer care team offers assistance to customers with their queries, concerns, and grievances. You can reach the team by calling 1800 572 7777 between 9 am to 6 pm from Monday to Saturday. 

You can also email them your query at homeloans@indiabulls.com. Lastly, you can even send feedback or a query through their official website.


he information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs About the Indiabulls Home Loan

What affects the home loan interest rate by Indiabulls?

The interest rate depends on various factors such as your creditworthiness, loan terms, property type, and other parameters.


What is the minimum credit score requirement for Indiabulls Home Loan?

While there isn’t a specific minimum score required, it is best to have a credit score of 750 or plus to get affordable interest rates. 


What are the repayment modes offered by Indiabulls Housing Finance?

You can repay the Indiabulls House Loan through numerous options, such as cheque/drafts, cash, NEFT/RTGS transfer, PDCs (Post Dated Cheques), and fund transfer.


How can an NRI avail of an Indiabulls Housing Loan?

As an NRI, you can avail of a home loan from Indiabulls by applying for the Home Loans for NRIs offered by the housing finance company. 


How do I repay my Indiabulls home loan?

You can make repayments through various modes, including cheques/drafts, RTGS transfers, NEFT transfers, Post Dated cheques, fund transfers, and cash.


How is the eligible loan amount decided by Indiabulls?

The Indiabulls House Loan amount depends on numerous factors, such as your income, age, co-applicants/spouses’ income, assets, liabilities, and even credit score. You can use the eligibility calculator to know the amount you can borrow based on your income and tenure.


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