IndusInd Bank Home Loan
IndusInd Bank Home Loan
IndusInd Bank Home Loan
Doorstep Support & Local Language
We're here to meet you where you are, in your language.
Works for Salaried & Self-Employed
Salaried or self-employed, we'll find the right loan for you.
Pan-India Reach
We serve customers in every corner of India, across tier 1, 2, and 3 cities.
Dedicated Relationship Manager
Get guidance from a dedicated expert, not a call centre.
IndusInd Bank Home Loan EMI Calculator
Your Monthly EMI
₹ 77,530
Total Principal
₹ 1,00,00,000
Total Interest
₹ 86,07,174
Total Payable
₹ 1,86,07,174
IndusInd Bank Home Loan Key Highlights
Loan Amount At the discretion of IndusInd Bank
Rate of Interest Starts at 10.50% per annum
Processing Fee 1% of the loan amount/ Rs. 10,000, whichever is higher
Maximum Tenure for Repayment 20 years
Rate Packages Floater/ Fixed
Charges for Prepayment/Foreclosure Nil
IndusInd Bank Home Loan Interest Rates in 2026
IndusInd Bank is known for its low interest rates on home loans that start at 10.50% per annum. Both salaried and self-employed applicants can enjoy multiple benefits by applying for an IndusInd Bank home loan. The table below shows the current IndusInd Bank home loan interest rate in 2026:
| Loan Slab | Interest Rate for Home Loan |
|---|---|
| Floater Plan (For Salaried) | Starting at 10.50% per annum |
| Floater Plan (For Self Employed) | Starting at 10.50% per annum |
| Fixed Plan (For Salaried) | Starting at 10.50% per annum |
| Fixed Plan (For Self Employed) | Starting at 10.50% per annum |
IndusInd Bank Home Loan Eligibility Criteria
IndusInd Bank home loan eligibility is mainly about age, nationality, employment, minimum income earned by the applicant, and work experience. The bank takes into consideration all these parameters before approving housing loans to applicants. The table below highlights all the main eligibility criteria for IndusInd Bank home loans:
For Salaried Individuals
Age Range (in years)
21 - Retirement Age
Nationality
Indian Resident/ NRIs
Minimum Income Earned
Rs. 1 lakh per annum
For Self-Employed Individuals
Age Range (in years)
21 - 65 Years
Nationality
Indian Resident/ NRIs
Minimum Income Earned
Rs. 1 lakh per annum net profit
IndusInd Bank Home Loan Processing Fee and Charges
Every day, banks and NBFCs receive several home loan applications and undergo various procedures to approve them. All this adds to the expenses of these financial organizations. IndusInd Bank home loan processing fee is 1% of the loan amount or Rs. 10,000, whichever is higher. The table below shows the processing fee and other charges levied by IndusInd Bank on home loans:
IndusInd Bank Home Loan Schemes and Top Plans
IndusInd Bank offers affordable home loan schemes to salaried and self-employed people with 100% transparency and no hidden charges. Listed below are some popular home loan schemes offered by IndusInd Bank:
- Ideal housing loan scheme to purchase a new ready-to-move-in home or resale home
- Maximum loan repayment tenure of up to 20 years
- Best home loan scheme to get funds to build your home on a plot
- Maximum loan repayment tenure of up to 20 years
- The most suitable housing loan scheme for borrowers who want to renovate their existing home by building a new floor, room, or balcony
- Maximum loan repayment tenure of up to 20 years
- Extensive inventory of pre-approved projects
- Lower rate of interest
- Special home loans for NRIs to buy a property in India
- Higher loan tenure with special features
- Ideal option for existing home loan borrowers to avail top-up loans
- Flexible home loans with minimum documentation
- Flexible option for existing home loan borrowers to port to IndusInd Ban home loans
- Lower rate of interest with additional top-up facility
* Note: All of the above home loan plans are made available to applicants solely at the discretion of IndusInd Bank Home Loan, taking into consideration the earning and repayment capacity of the applicant.
Documents Required for IndusInd Bank Home Loan
To smoothen your home loan procedure, we recommend you go through the list of IndusInd Bank home loan documents required and gather the same. These general KYC documents help prove your credibility to get a home loan from IndusInd Bank based on age, income, residence, and employment.
| Proof of Income |
|
| Other Required Documents |
|
| Proof of Income |
|
| Other Required Documents |
|
| Identity & Address Proof |
|
| Documents Related to Property |
|
Apply Home Loan Through BASIC Home Loan
IndusInd Bank promotes digitalization and offers a hassle-free home loan application process for eligible applicants. The procedure for IndusInd Bank home loan apply online is simple and can be done in the following way:
Apply Now on the BASIC Website
Proceed to the 'APPLY NOW' section on the BASIC Home Loan website.
Enter Your Details and Submit
Fill in the form by entering your name, contact number, and other required details, and submit the form.
Our Expert Will Reach Out to You
A BASIC Home Loan team representative will connect with you shortly to assist you through the entire home loan application process.
Talk to our Expert
- Neutral, AI-backed advice
- Compare 50+ lenders instantly
- Transparent process, Zero bias
By continuing, I agree with Basic Terms and Conditions and Privacy Policy
FAQ's
Ready to Find the Best-Fit Home Loan?
- Talk to Your Dedicated Loan Expert Today!
