Home Loan By Indiabulls

Key Features For Home Loan By Indiabulls


Indiabulls Home Loans offers the best in-class features and most competitive pricing to the widest range of  borrowers seeking to buy their dream home.  While every home loan is a very personalized need of the borrower and IBHFL makes the best effort to understand the requirement and provide him with the most customized home loan, some of our salient features are presented below:

Maximum loan
80% of the cost of the property (including the cost of the land) and based on the repayment capacity of the customer for loans beyond 20 lacs. We offer upto 85% of the cost of the property if your loan requirement is upto 20 lacs·          

Maximum Term
20 years subject to your retirement age.·          

Applicant and Co- Applicant to the loan
Home Loans can be applied for either individually or jointly. Proposed owners of the property, will have to be co-applicants. However, the co-applicants need not be co-owners.·          

Adjustable Interest Rate Home Loan
Loan under Adjustable Interest Rate is linked to benchmark rates of IHFL. The rate on your loan may be revised from the following month, if there is a change in the benchmark rate of IHFL. However, the EMI on the home loan disbursed will not change*. If the interest rate increases, the 
interest component in an EMI will increase and the principal component will reduce resulting in an extension of term of the loan, and vice versa when the interest rate decreases.
* Conditions Apply·    



  • Purchaseof Flat, row house, bungalow from developers, existing freehold properties, 
    properties in an existing co-operative housing society or apartment owner's association
  • Construction of residential dwelling unit on a plot already owned.
  • Purchase of residential plot and / or construction thereon
  • Extension of existing residential property (adding floors, new rooms)
  • Renovation of existing residential property  

Interest Rate

Variable rates

Loan Amount

Variable rates%

Upto and including Rs 25 lacs

10.15% to 11.00%

More than Rs 25 Lacs

11.00% to 12.00%

Fixed n floating

Loan Amount

Fixed Rate Tenor


Upto and including Rs 25 lacs

Fixed for 2 years

10.15% to 11.00%

More Than Rs 25 Lacs

Fixed For 1 Year

10.75% to 11.50%

After the completion of Fixed Rate Tenor, the rate of interest applicable on loan will be the prevailing Variable Rate Of Interest basis the Margin adjusted to Reference Rates  at the time of loan agreement execution.

Processing Fee

Upto and including Rs 10 lacs

Rs 5000

Rs 10.01 Lacs to Rs 25 lacs

Rs 7500

Over Rs 25 Lacs

0.50% to 1.00%

The above rates are subject to change without prior notice.

Indiabulls Housing Finance Ltd. (IBHFL) is the 2nd largest private housing finance company in India, regulated by the National Housing Bank (NHB). We have the highest rating of AAA from CARE ratings and Brickwork ratings.
We offer home loans at competitive rates, especially loans of up to Rs. 50 lakhs. Our employees are specially trained to guide the customer through different stages, right from the initial process of applying for a loan till the time he takes possession of his dream home.

Our Core Values

  • Customer First
  • Transparency
  • Integrity
  • Professionalism

Our Goals

  • Committed to helping people realize their dream of owning a home of their own
  • Contribute towards a well organized housing finance sector and thus enable efficient channeling of financial resources to make housing finance available at reasonable and affordable rates

Our Strengths

  • Loan sanction in 48 hours
  • Loan approval even before property finalization
  • Doorstep service
  • Online account access for convenient management of loan account
  • First hand appraisal and tie-ups with over 5,500 residential projects
  • Technology driven quality customer service

Our Network

  • Over 200 well appointed and accessible branches in 100 towns and cities across India
  • 2 representative offices in Dubai and London offering Home Loan products to Non-Resident Indians and Persons of Indian Origin.

We have fulfilled the dreams and aspirations of over 6 lakh happy households with our customer-centric finance solutions.


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