Apply for Home Loans Online


Our home loan is designed customisable for our customers to make their dream of buying home comes true. Explore our variety of products for the long tenure and competitive interest rate and other benefits like Fastest in principle sanction/Pre-approved top up and many more.

Home Loan Products

Home Loan Benefits

Wide range of home loan products

Doorstep service with fast & easy processing of your loan application

Transparent and no hidden charges

Simplified documentation

Attractive Home Loan options

Balance transfer facility

Funding upto 30 years of tenor

Home Loan USPs

Attractive Rate of Interest
IndusInd Banks take care of your wallet and makes your home loan affordable with attractive rate of interest.

Home Loan Transfer with ease
Transfer your existing home loan with IndusInd Bank without hassle at your doorstep.

Turnaround Time of 3 Days
You have waited for your dream home for so long, we are not about to delay it any further. With a quick turnaround of 3 days, you can immediately start picking out the curtains, the furniture and everything else that will turn four walls into a beautiful home.

Longer tenure and step-up repayments
Because buying a home is such a big expense, we have made repaying the loan easier for you. Simply pay a lower EMI with Longer Tenure.

No Prepayment Charges
Pay off your loan at any time without paying any extra charges (only for loans availed at floating rate of interest).

Inventory of pre-approved projects for funding
Have a project in mind? Then we can turn that into a reality for you with our extensive inventory of pre-approved projects. After all, your preferred home comes along once in a while so why not grab onto it!

Specialized offerings for NRI customers
Our NRI customers can enjoy customised solutions and offerings so they enjoy the best, wherever they are.

Prompt Customer Service
We have got your back with any assistance you may need pertaining to your banking and loans. What’s more, you can reach us through any of our channels, anytime, anywhere.

Pre-approved top-up loans
Now that the dream home is ready, how about renovating it to match your ambitions? With pre-approved top-up loans, you can do that and more!

Premium Credit Card
Renovate your home or go shopping like never before with a premium Credit Card that comes with attractive rewards. So, what’s on your list of things to buy?

Home Loan EMI Calculator

A home loan EMI calculator is the simplest tool to understand what your monthly payment will look like. EMI calculator is designed based on your requirement like loan amount, tenure and rate of interest to estimate your monthly EMI.

I wish to avail a Home loan amounting at interest rate for approximately years.

Calculate Now

These Calculations may vary from actual figures.

Home Loan Interest Rate

APR Data for Q4 FY 24

Min Max Average Min Max
8.35% 9.45% 8.67% 8.35% 9.49%
Note: Home Loan APR is based on the minimum and maximum rate for a tenure of 10 years. Actual APR will vary based on actual interest rate and tenure.


Loan Amount Margin Money
Upto 30 lakhs 10%
30 lakhs to 75 lakhs 20%
Above 75 lakhs 25%


Eligibility and Documentation

Eligibility Criteria of Home Loan

Segment Type Age Experience
Salaried Individuals Government/
Reputed companies
24-60 year 3 year
Self Employed Professionals Doctor/ Engineer /CA/CS 24-70 year 3 year
Self Employed Non- Professional Individual Filing ITR 24-65 year 3 year


Documentation Required for Home Loans

Individuals Non Individuals
Application form with photograph
Valid identity, Residence & Signature proof
Latest Form 16/ITR copy/Appointment letter and latest 3 months’ salary slips / Salary Certificate Business and Individual ITR's and Audited Financials for last 2 years
Latest 6 months bank statement of the MAIN CA/SA/CC/OD account
Processing fee cheque


Click here to download the list of documents:

*Additional documents may be asked for on a case-to-case basis.

Rates & Fees

IndusInd Bank Offer attractive rates based on the customer profile and the type of the collateral offered. Our rates are linked to the external Benchmark rates which is currently at 6.50%.

In case of Rate Reset

As per the RBI notification dated Aug 18, 2023 on “Reset of Floating Interest Rate on Equated Monthly Instalments (EMI) based Personal Loans”, the following product features will be applicable to Home Loans (HL) at the time of reset of interest rate on account of change in underlying benchmark rate: 

  1. In case of any increase in Rate of Interest (ROI) due to upward movement of applicable underlying benchmark rate for floating rate loans, the tenure of the loan will be increased keeping the EMI unchanged. However, such elongation of tenure will be subject to maximum of 60 months from the original sanctioned tenure and thereafter, EMI of the loan will be increased to absorb the impact of any ROI increase.
  2. In case of reset in rate of interest pursuant to change in underlying Benchmark Rate (BR), Bank will communicate to the Borrower, impact of change executed. After receipt of said communication the Borrower may request in writing to the Bank either for enhancement in EMI or elongation of tenor or a combination of both options.
  3. The age of the primary borrower at the time of maturity should not exceed 80 years on account of such elongation in tenure.
  4. In case of any decrease in ROI due to downward movement of applicable benchmark rate, the tenure of the loan will be reduced keeping the EMI same.

Contact Us

For more details, you may write to us at

Home Loan Terms and Conditions

Click for Home Loan Agreement Terms Conditions

Click for App Form Declaration

Approved Project List

Click here to know more.

FAQs for Home Loan

  • What Is Home Loan and how it works?

    Home loan is the advances given by bank to borrower in order to buy a Residential house or to construct a home on Residential piece of Land.
    Home loan is repayable with interest which a borrower can pay through EMI (Equated monthly instalment) to make your home easy and affordable.

  • How to avail home loan?

    Home loan can be applied in two means either online * or by visiting the nearest IndusInd Bank branch. Following the below process-

    • Submit duly filled application form with all supporting documents to bank.
    • Post submission of application bank will review the eligibility and sanction the loan.
    • Once loan is sanctioned you need to submit the documents related to the property which you are buying.
    • After all checks bank will disburse your loan and whole process will take minimum turnaround.
  • Tax Benefits on Home loan?

    Below mention exemption are present on home loan as per Income Tax Act-

    • The repayments (EMIs) towards the principal loan amount availed are eligible for a tax deduction up to Rs 1.5 lakh, under section 80C of the Income tax Act 1961. While Section 24(b) of the Income Tax Act 1961, provides for a deduction on the interest portion of home loan EMIs up to Rs. 2 lakh per annum. However, if the house purchased is a “let out property” i.e. is rented out. the deductions can apply for the entire interest payable.
    • Additionally, first time home buyers may be eligible for further deductions under Section 80EE, upto Rs. 50,000/- per annum after they’ve exhausted the limit for interest per Section 24(b)
    • For loan taken towards re-development, reconstruction or renovations of property, the amount eligible for tax deduction is set at Rs.30000 irrespective of it being used to stay or let out.
  • What are home loan eligibility parameters?

    There are multiple factors which IndusInd Bank considers during eligibility calculation of home loan. Some of them are-

    • The Income of all applicants
    • Age of the primary applicant
    • Number of dependents that the applicants support
    • Assets and liabilities of the applicants
    • Stability and continuity of the primary applicant’s occupation

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Terms and Conditions apply. All Loans at the sole discretion of IndusInd Bank Ltd.