Indiabulls Home Loan @ 9.35% p.a.

Get your dream home with India's most trusted housing finance company. Quick approval, minimal documentation, and attractive interest rates.

10M+
Happy Customers
4.4 ★
Customer Rating
20+
Years Experience

Apply for Indiabulls Loan

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Get approval within 24 hours
9.35%
Interest Rate (p.a.)
₹35,000
Processing Fee
30 yrs
Max Tenure
₹3L - 5Cr+
Loan Amount
650+
CIBIL Score
24-48 hrs
Disbursement

Indiabulls Special Home Loan Schemes

Indiabulls Flexi Home Loan

Flexible EMI & Withdrawal

9.35% p.a.

Indiabulls Max Saver

Overdraft Facility

9.25% p.a.

Indiabulls Woman Power

For Women Applicants

9.2% p.a.

Indiabulls NRI Home Loan

Special for NRIs

9.45% p.a.
🏦 0% Processing Fee for First Time Borrowers
🎯 Special Rates for Existing Indiabulls Customers
⭐ Free CIBIL Score Check with Detailed Report
📱 100% Digital Paperless Process
🚀 Quick Disbursement in 24 Hours
💎 Pre-Approved Loan Offer for Existing Customers
🎁 Free Home Insurance with Loan

About Indiabulls Home Loan

Indiabulls Housing Finance, one of India's leading housing finance companies, offers home loans at competitive interest rates starting from 9.35% p.a. With over 10 million satisfied customers, Indiabulls home loans come with flexible repayment options, minimal documentation, and quick approval process. Indiabulls also offers special schemes for women, senior citizens, and NRIs.

Key Features & Benefits

Competitive Interest Rates
Quick Approval & Disbursement
Flexible Repayment Tenure up to 30 Years
Zero Prepayment Charges on Floating Rates
100% Digital Paperless Process
Special Discount for Women Applicants

Indiabulls Home Loan Eligibility

Age: 21 - 65 years
Employment: Salaried / Self-employed / Business
Min Income: ₹25,000/month (Salaried)
Work Exp: 2+ years (Salaried)
CIBIL Score: 650+ (750+ for best rates)
Property Age: Up to 50 years

Documents Required for Indiabulls Home Loan

📄 Identity Proof: Aadhaar Card, PAN Card, Voter ID, Passport
🏠 Address Proof: Aadhaar Card, Utility Bill (last 3 months), Rent Agreement
💰 Income Proof (Salaried): Salary Slips (last 3 months), Form 16, Bank Statement (last 6 months)
💰 Income Proof (Self-employed): ITR (last 2 years), Audited Balance Sheet, Profit & Loss Statement
🏦 Property Documents: Title Deed, Sale Agreement, NOC from Builder, Property Tax Receipts
📸 Others: 2 Passport Size Photographs, Loan Application Form

Indiabulls Home Loan Charges Breakdown

Processing Fee
₹35,000 + GST
CERSAI Charges
₹100 + GST
Legal & Technical Valuation
₹3,000 - ₹8,000
Stamp Duty & Registration
As per state govt
Administrative Charges
₹500 - ₹1,000
Prepayment Charges
Zero on floating rate loans
Late Payment Penalty
2% per month on overdue amount
NOC / Closing Charges
₹500 - ₹1,000

Indiabulls Home Loan Process (Login to Disbursement)

Step 1: Online Registration

Visit Indiabulls website or BankerMart to apply online

⏱️ 5-10 minutes

Step 2: Document Upload

Upload KYC, income proof, and property documents

⏱️ 15-20 minutes

Step 3: Verification & CIBIL Check

Company verifies documents and checks CIBIL score

⏱️ 1-2 days

Step 4: Property Valuation

Indiabulls' empanelled valuer inspects the property

⏱️ 1-2 days

Step 5: Loan Sanction

Loan gets approved and sanction letter issued

⏱️ 2-3 days

Step 6: Loan Disbursement

Amount credited to builder/seller account

⏱️ 1-3 days after agreement

Indiabulls Home Loan Pros & Cons

Pros / Advantages

  • ✅ Competitive interest rates
  • ✅ Quick approval process
  • ✅ Special schemes for women
  • ✅ Zero prepayment charges on floating rate
  • ✅ Flexi EMI options available
  • ✅ Balance transfer facility available

Cons / Disadvantages

  • ❌ Higher interest rates compared to PSU banks
  • ❌ Processing fee may be higher for low CIBIL
  • ❌ Limited physical branch network
  • ❌ Some features differ from traditional banks

Indiabulls Home Loan Interest Rates (2026)

Loan AmountInterest Rate (p.a.)
Up to ₹30 Lakh9.35% - 9.6%
₹30 Lakh - ₹75 Lakh9.5% - 9.75%
Above ₹75 Lakh9.65% - 9.95%

*Additional 0.05% concession for women applicants and senior citizens

Frequently Asked Questions - Indiabulls Home Loan

What is the current interest rate for Indiabulls home loan?

Indiabulls home loan interest rates currently start from 9.35% p.a. for loan amounts up to ₹30 lakh.

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

Indiabulls offers home loans up to ₹5 Crore based on your income, property value, and repayment capacity.

Is Indiabulls a bank or NBFC?

Indiabulls Housing Finance is a leading Housing Finance Company (HFC) and part of the Indiabulls Group.

Does Indiabulls offer home loan subsidy under PMAY?

Yes, Indiabulls offers CLSS under PMAY. Eligible beneficiaries can get up to ₹2.67 lakh interest subsidy.

Is there any prepayment penalty on Indiabulls home loan?

No, RBI has prohibited prepayment penalties on floating rate home loans for HFCs as well.

Can I transfer my existing home loan to Indiabulls?

Yes, Indiabulls offers home loan balance transfer facility with better interest rates.