IndusInd Bank Home Loan Interest Rate
IndusInd Bank Home Loan Interest Rate
IndusInd Bank offers easy home loans to both salaried and self-employed individuals. The lowest IndusInd Bank home loan interest rate starts at 7.50% per annum and might go up to 9.75% per annum. The tables below highlight the IndusInd Bank home loan interest rate 2025 for different loan applicants.
IndusInd Bank 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
Amount of Loan
Up to 90% of the property value
Rate of Interest
8.50% p.a. onwards
Processing Fees
Up to 1.00% of the loan amount or Rs. 10,000, whichever is higher. IMD -Rs. 2,500
Max Tenure for Loan Repayment
30 years
| Loan Category | Rate of Interest on Home Loan |
|---|---|
| Applicants with a CIBIL score of 750 or higher | 7.50% per annum |
| Other Applicants | 7.50% - 9.75% per annum |
Standard Home Loan Rates of Interest for Salaried and Self-Employed Applicants
Repo Linked Lending Rate (RLLR) is 7.50% p.a.
| Loan Category | Rate of Interest on Home Loan (p.a.) |
|---|---|
| All Loan | 7.50% - 9.75% per annum |
IndusInd Home Renovation/ Extension Home Loan Interest Rates
| Loan Slab | Rate of Interest on Home Loan (p.a.) |
|---|---|
| All Loans | 7.50% - 9.75% per annum |
Top-Up Loans Interest Rates
| Loan Category | Rate of Interest on Home Loan (p.a.) |
|---|---|
| Top-Up for Existing Bank Customers | 7.50% per annum onwards |
Interest rates were last updated on 12th July 2025
IndusInd Bank Home Loan Interest Rates for All Schemes in India
IndusInd Bank understands the different needs of different home loan borrowers, so it offers a wide range of home loan schemes to match their needs. The table below will give you a clear idea of the home plan schemes offered by the bank and the standard rate of interest offered on each.
| Rates of Interest for Each Plan | Rates of Interest for Each Plan |
|---|---|
| IndusInd Home Renovation/ Extension Loan | 8.50% - 10.55% per annum |
| IndusInd Approved Project Home Loan | 8.50% - 10.55% per annum |
| IndusInd NRI Home Loan | 8.50% - 10.55% per annum |
| IndusInd Plot Plus Construction Home Loan | 8.50% - 10.55% per annum |
| IndusInd Balance Transfer Home Loan | 8.50% per annum onwards |
| IndusInd Top-Up Home Loan | 8.50% per annum onwards |
IndusInd Bank Home Loan Interest Rates for Balance Transfer, Top Up and Overdraft
IndusInd Bank offers three convenient home loan facilities to its customers who already have a home loan scheme with the bank, and these are listed below:
IndusInd Bank Home Loan Top-Up
Grab the extra financial help the IndusInd Bank offers through easy Top-Up Home Loans. It is a flexible way of reducing the borrower's financial burden as it helps reduce the monthly EMI repayment for home loans. The IndusInd Bank home loan top-up interest rate starts at 7.50% per annum.
IndusInd Bank Home Loan Overdraft Option
The IndusInd Bank home loan overdraft facility on home loans is an excellent way through which the bank allows its customers to avail some additional funds to meet their urgent financial needs. The main benefit of the IndusInd OD facility is that it saves the borrower from reapplying for a new loan amount. The IndusInd Bank overdraft facility is available at an interest rate of 7.50% per annum.
IndusInd Bank Home Loan EMI Calculation 2025
| Loan Amount | Rate of Interest | EMI for 10-Year Loan Tenure | EMI for 20-Year Loan Tenure | EMI for 30-Year Loan Tenure |
|---|---|---|---|---|
| Rs. 10 lakh | 8.50% p.a. | Rs. 12,399 | Rs. 8,678 | Rs. 7,689 |
| Rs. 20 lakh | 8.50% p.a. | Rs. 24,797 | Rs. 17,356 | Rs. 15,378 |
| Rs. 30 lakh | 8.50% p.a. | Rs. 37,196 | Rs. 26,035 | Rs. 23,067 |
| Rs. 40 lakh | 8.50% p.a. | Rs. 49,594 | Rs. 34,713 | Rs. 30,757 |
| Rs. 50 lakh | 8.50% p.a. | Rs. 61,993 | Rs. 43,391 | Rs. 38,446 |
| Rs. 60 lakh | 8.50% p.a. | Rs. 74,391 | Rs. 52,069 | Rs. 46,135 |
| Rs. 70 lakh | 8.50% p.a. | Rs. 86,790 | Rs. 60,748 | Rs. 53,824 |
| Rs. 80 lakh | 8.50% p.a. | Rs. 99,189 | Rs. 69,426 | Rs. 61,513 |
| Rs. 90 lakh | 8.50% p.a. | Rs. 1,11,587 | Rs. 78,104 | Rs. 69,202 |
| Rs. 1 crore | 8.50% p.a. | Rs. 1,23,986 | Rs. 86,782 | Rs. 76,891 |
Disclaimer:
The figures in the table above are based on an 8.50% p.a. interest rate offered by the IndusInd Bank. They may vary, however, based on the different interest rates offered by other banks, your monthly income, and other factors.
How to Calculate Indusind Bank Home Loan Interest Rates?
To avoid any confusion about determining the interest rate payable on an IndusInd Bank home loan plan we suggest you use the online home loan interest rate calculator available at EMI. Use this easy-to-use online EMI calculator to plan your monthly finances better without any confusion. The table below provides a detailed estimate of the EMI payable and the interest rate on IndusInd Bank home loans:
Compare Indusind Bank Home Loan Interest Rate with Top Banks
It is always better to compare services from similar providers for an informed decision. The same rule should be applied before applying for a home loan scheme from IndusInd Bank. The table below highlights the interest rates and processing fees of other leading financial organizations in India providing home loans so that you stay confident about choosing IndusInd Bank home loans:
IndusInd Bank Home Loan Balance Transfer
IndusInd Bank is known for its excellent customer care service and affordable financial schemes. One such scheme comes in the form of IndusInd Bank Home Loan Balance Transfer, which aims to help customers transfer their outstanding balance on loan repayment from another bank to IndusInd's lower rate of interest home loan schemes.
IndusInd Bank home loan transfer interest rates range between 7.50% per annum for all loans. Both salaried and self-employed borrowers can easily opt for the IndusInd Bank balance transfer home loan scheme. Have a look at the easiest way to apply for an IndusInd Bank balance transfer home loan:
Go to the Repay Right section on the BASIC Home Loan website - Repay Right
Enter the required information in the provided form and fill in the key details on the current outstanding loan amount, existing rate of interest per annum, new rate of interest per annum, existing loan repayment tenure, and existing EMI paid on the loan amount.
Click on Next once you have entered the required details on the form.
You can see your total savings with the IndusInd Bank Home Loan Balance Transfer option on the next page.
Alternatively, you can get in touch with one of the team representatives of BASIC Home Loan, who can help maximize your savings with IndusInd Bank Balance Transfer on home loans.
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