20,00,000 people visited this section in last 30 daysApply Online

Get Cashback of Upto ₹ 1,000* on Home Loan Apply Online

MyLoanCare Customer Ratings - 4.5/5.0 Apply Online

Indiabulls Home Loan Interest Rates 2022

Indiabulls Housing Loan Interest Rate -Today

Last Updated 20th Dec 2021

Loan AmountIndiabulls Home Loan Floating Rate
Upto ₹ 30 Lakh8.65%
₹ 30 Lakh - ₹ 75 Lakh8.65%
₹ 75 Lakh - ₹ 1 Cr8.65%
Above ₹ 1 Cr8.65%
Apply for Home Loan @ 6.50%* Get upto ₹ 1,000* Cashback Apply Online

Indiabulls Home Loan Rate

Indiabulls offers home loans to both salaried individuals and self-employed at a minimum rate starting at 8.65% up to 8.65%. Apart from the interest rate, the bank also has various other charges such as Indiabulls processing fee - that is charged over and above the loan amount, is non-refundable and has to be paid at the time of loan application and foreclosure and prepayment fee for closing or prepaying the loan before the loan tenure ends.

Indiabulls Home Loan Processing Fee and Other Charges

Indiabulls home loan processing charges are upto 1.00% of the loan amount from its home loan customers to cover its expenses of conducting credit appraisal and technical evaluation of property. on home loan which is typically non-refundable and has to be paid at the time of loan application. In addition to processing fees, the bank also charges certain technical and legal charges which are explained to the customer during the loan process and are payable once the loan application proceeds further.

Processing Fees Upto 1.00% of the loan amount;
Part Prepayment Charges Allowed
Foreclosure Charges Nil for floating rate home loans

Interest rates on Indiabulls Home Loans Schemes

Indiabulls offers a housing loan interest rate at 8.65%. If you want to avail of the home loan at the lowest rates, you should have a good CIBIL score, debt-income ratio and repayment capacity. In addition, Indiabulls home loan interest rates are lower for existing customers of the bank and individuals who are working with reputed corporations with a stable employment history.

Below-mentioned are Indiabulls home loan rates for multiple housing schemes.

Indiabulls Home Loan Scheme Interest Rates
Indiabulls Home Loan Floating8.65%

Indiabulls Home Loan Interest Rate for Salaried and Self-Employed

The home loan interest rates in Indiabulls for salaried and self-employed is mentioned in the table below:

Home Loan Interest Rate for Salaried

Loan Amount Rate
Upto ₹ 30 Lakh 8.65%
₹ 30 Lakh - ₹ 75 Lakh 8.65%
₹ 75 Lakh - 1 Cr 8.65%
Above ₹ 1 Cr 8.65%

Home Loan Interest Rate for Self-Employed

Loan Amount Rate
Upto ₹ 30 Lakh 8.65%
₹ 30 Lakh - ₹ 75 Lakh 8.65%
₹ 75 Lakh - 1 Cr 8.65%
Above ₹ 1 Cr 8.65%

Indiabulls Bank Home Loan Interest Rate For Women & Govt Employee

Loan Amount Indiabulls Home Loan Rate For Women Indiabulls Home Loan Rate For Govt Employee
Upto ₹ 30 Lakh 8.65% 8.65%
₹ 30 Lakh - ₹ 75 Lakh 8.65% 8.65%
₹ 75 Lakh - 1 Cr 8.65% 8.65%
Above ₹ 1 Cr 8.65% 8.65%

Indiabulls Home Loan Balance Transfer Interest Rates

Indiabulls home loan balance transfer facility is ideal for existing home loan customers, who are paying high interest to their existing lender. Through this facility, you can transfer your existing home loan to Indiabulls at a lower rate of interest, without closing the account. However, you do need to check the foreclosure charges that you have to pay to your existing lender if it is a fixed rate loan. Currently, Indiabulls offers the loan balance transfer rate of 6.50%.

Illustration on Home Loan Interest Rate Indiabulls
Maximum Annual Percentage Rate (APR) 8.69% to 8.69%
Representative example of the total cost of the loan, including all applicable fees
Here is an illustration of the total cost of the loan:
  • Total amount borrowed: ₹ 1,00,000
  • Time period: 1 Years to 25 Years
  • Indiabulls Home Loan Interest Rate: 8.65% to 8.65%
  • Processing Fee payable to: Upto ₹ 1,000
  • Fee payable to MyLoanCare: NIL
  • Total Monthly Cost – From ₹ 815 for 25 Years ₹ 1,00,000 loan at 8.65% (lowest rate, longest time period) to ₹ 8,729 for 1 Years ₹ 1,00,000 loan at 8.65% (highest rate, shortest time period). This is inclusive of principal repayment.
  • Annual Percentage Rate (APR) of charge including all applicable fees: 8.69% to 8.69%
  • Total cost payable over loan tenure: ₹ 1,05,747 for 1 Years loan to ₹ 2,45,608 for 25 Years loan


Has Indiabulls reduced home loan rates?

As per the current rates, Indiabulls has cut its home loan rates by 0.6% from 9.25% to 8.65%, which is one of the best rates in the market. The new rates are effective from 01 Apr, 2021.

Why should I opt for balance transfer to Indiabulls?

Indiabulls offers lowest Home Loan EMI of ₹ 815 per lakh availed at the lowest interest rate 8.65% for a maximum tenure of 25 years. If you are paying an EMI more than ₹ 815 per lakh, you should consider the option for a loan transfer to Indiabulls from your existing bank. Current Indiabulls balance transfer rate is 6.50%.

Can Indiabulls housing loan interest rate be negotiated?

Yes, if you have a good relationship with the bank and a high credit score, you can negotiate with Indiabulls to lower the home loan rates. Apart from the home loan rates, you can also negotiate over the processing fee.

Can Indiabulls revise the home loan interest rates for their existing customers?

Yes, Indiabulls offers concessional rates to the existing customers, and you can negotiate with the bank to offer you the revised home loans at a floating rate of interest. The floating interest rates on home loans vary as per the change in market trends or in external benchmark rates such as the repo rate.

Does Indiabulls offer a concessional home loan interest rate for women?

Yes, Indiabulls offers special home loan interest rates for women. As against Indiabulls home loan rates for male which is 8.65%, the home loan interest rate for women starts at %.

What is the Indiabulls home loan rate of ₹ 25 Lakh for 15 years?

For home loan upto ₹ 25 Lakh, Indiabulls provides home loan interest rate starting at 8.65%. However, you can get the lowest rates if you have a good relationship with the bank, work with top corporations, have a good CIBIL score and have stable income sources.

At what interest rate does an Indiabulls employee get a home loan?

Indiabulls offers concessional home loan rates of about 1% than the current home loan rates to Indiabulls employees.

Is Indiabulls home loan a floating rate loan or fixed-rate loan?

Indiabulls home loan is offered at both fixed and floating rates. In the case of the fixed-rate, the interest remains the same throughout the tenure. On the other hand, the home loan rates vary as per the market fluctuations for floating home loan rates.

What is the Indiabulls home loan rate today ?

Indiabulls home loan rate today is in the range of 8.65% to 8.65%.The bank also charges a processing fee of upto Upto 1.00% of the home loan amount.

How much interest does Indiabulls take on home loans?

The rate of interest on Indiabulls home loans varies based on your eligibility, such as CIBIL score, age, repayment capacity, income etc. However, Indiabulls home loan current interest rate 2021 are in the range of 8.65% to 8.65%.

Indiabulls Home Loan Reviews 3.8/5  by 4 customers
MyLoanCare Service
Banks Service
Rakesh, Delhi
Reviewed on 30th Aug 2021
5 / 5 stars
Indiabulls Home Loan Availed in Feb 2021

MyLoanCare service is very good and communication also. I am very happy. I have taken a loan from InRead more...

brijesh gupta, Delhi
Reviewed on 26th Sep 2018
4 / 5 stars
Indiabulls Home Loan Availed in Aug 2018

Easy and well understanding MLC. Nice to talk to them and also will refer others Read more...

Sneha Shaw, Kolkata
Reviewed on 03rd Aug 2017
3 / 5 stars
Indiabulls Home Loan Availed in

My experience is good so far, I wish to get best service through out my loan tenure. Read more...

Pooja Verma, Gurgaon
Reviewed on 29th Jan 2015
3 / 5 stars
Indiabulls Home Loan Availed in Dec-17

I don't know if you have observed that they are among the few once to increase the interest rates, bRead more...

Notification ×
  • Home Loan

    Home Loan at all-time low rates starting at 6.50%. Cashback of up to ₹ 1,000

    Apply Now
  • Personal Loan

    Instant Personal Loan starting at 10.25% with Cashback of up to ₹ 1,000.

    Check Offers
  • Gold Loan

    Instant Gold Loan starting at 9.00% with Cashback of up to ₹ 500

    Apply Now
  • Loan Against Property

    Best Loan Against Property Offers starting @ 6.90%. Cashback of up to ₹ 1,000*.

    Apply Now
  • Business Loan

    Collateral Free Business Loan Rates starting at 14.00% with Overdraft facility.

    Apply Now
  • Fixed Deposit

    AAA rated FDs with returns as high as 7.05%.

    Invest Now
Indiabulls Home Loan News - Jan 2022
  • 2021-12-20 : Indiabulls Housing Finance Looks to Onboard New Investors
    Indiabulls Housing Finance is looking to onboard new investors as promoter Sameer Gehlaut reduced his stake below 10% last week.
  • 2021-11-12 : Indiabulls Housing Finance Reports Loss by 11.4%
    Indiabulls Housing Finance has reported a fall in profit in quarter 2 for the fiscal year by 11.4%. As a result, the revenue from operations has also fallen by 13.5%.
  • 2021-05-19 : Indiabulls Housing Finance Q4 net profit up 102%
    Indiabulls Housing Finance Ltd has posted a 102% rise in net profit at Rs276cr for the fourth quarter ended March 2021 as against Rs137cr in same quarter of FY20. Its loan book which includes home, personal, two-wheeler, car , gold, education and doctor loans shrunk to Rs66,047cr in March 2021 from Rs73,065cr in March 2020. Further, Its net profit for FY21 was down at Rs1,201cr from Rs2,199cr.
  • 2021-04-23 : Indiabulls Housing Finance planning to become a loan originator
    Indiabulls joined hands with HDFC. Under the partnership, Indiabulls will originate and process retail home loans as per jointly formulated credit parameters and eligibility criteria. Of these loans, 80% will be on HDFC’s books, while Indiabulls will retain 20%. The loans will be serviced by Indiabulls throughout their lifecycle. HDFC with its access to deposits, cheap cost of funds, simple process and integration is expected to offer Indiabulls the benefit of a large franchise, scale and a robust credit appraisal process.
  • 2021-02-24 : Indiabulls Housing Finance issues foreign currency convertible bonds (FCCBs)
    Indiabulls Housing Finance Limited has issued Foreign Currency Convertible Bonds (FCCBs) to raise US$200 million. The securities issuance committee has fixed the floor price at Rs227.09 per FCCB.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
Please wait while your information is being processed...