Home      »    IDBI Housing Loans


IDBI Housing Loans


The Industrial Development Bank of India Limited, popularly known as IDBI Bank, provides a range of customer friendly housing loans for purchasing/constructing your dream home or for buying a plot to build a house in the near future. The bank also refinance existing housing loans you may have availed from other banks.


Why IDBI Bank Housing Loans

  • Highly competitive interest rates

  • Loan amount upto 90% cost of the property

  • EMI on daily reducing balance, thus good savings on interest amount

  • Flexible EMI options to suit your income, such as low EMI in initial years that increases with your rising income.

  • Personalized doorstep service

  • Option to choose between Floating or Fixed interest rate

  • Long repayment tenor of upto 25 years (15 years for NRIs)

  • No foreclosure penalty, if loan is prepaid from your own funds.

  • Specially-designed insurance cover

  • Hassle free documentation



Interest Rates



Home Loans (Fixed )

Loan Amount


Interest Saver

Upto 25 lacs



>25 - 30 Lacs

10.75 – 11.00 %

11.25 -11.50%

> 30 lacs - 75 lacs



> 75 Lacs




Home Loans (Fixed )


< Rs 75 lacs

>75 lacs

Fixed for 3 years



Fixed for 5 years






Eligibility and Documentation



  • Resident Indian or NRI with source of income like salary or business income.


  • Not more than 60 years of age at the time of loan maturity.


  • Income of your spouse can be clubbed for enhancing your loan amount eligibility.





  • Loan application form with 2 passport size photos of applicant.


  • Copy of the approved plan for the proposed construction / extension / addition.


  • Allotment letter of Co-operative Housing Society / Apartment Owners' Association / Housing Board / NOC from the Society / Association / Builders / Housing Board.


  • Salary Certificate and Form No.16 (in case of salaried persons).


  • IT Returns filed for the past two years (in case of non-salaried persons).


  • A brief note on the nature of business, year of establishment, type of organization

(in case of self-employed).


  • Balance sheet and profit and loss account for the past 3 years (in case of self-employed).



IDBI Bank Housing Loan Calculator





Loan Amount: :
Rate of interest (%) :
Time in Years :
Processing Fee(optional) :
Processing Fee Calculated :