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IndusInd Bank Home Loan

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Lowest interest rates starting from 7.1%

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15.5L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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Competitive Interest Rates

Starting 7.10% p.a.

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Offers from 25+ Banks & HFCs

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HDFC Bank
Min Loan Amt. ₹15L
Rate of Interest7.2% - 13.2%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
ICICI Bank
Min Loan Amt. ₹15L
Rate of Interest7.65% - 9.80%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
Axis Bank
Min Loan Amt. ₹30L
Rate of Interest8.35% - 11.90%
Tenure uptoUpto 30 Years
Processing Fee₹ 14,000
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How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

IndusInd Bank Home Loan Highlights

Interest Rate Based on the external benchmark lending rate (as per RBI’s guidelines)
Loan Tenure Up to 30 years
Loan to value ratio
  • For loans of up to Rs 30 lakh: Up to 90%
  • For loans between Rs 30 lakh and Rs 75 lakh: Up to 80%
  • For loans above Rs 75 lakh: Up to 75%
Processing charges (non-refundable) Up to 1% of the loan amount

Note: Interest rates are updated as of 10 September 2025

IndusInd Bank Home Loan Interest Rates

The IndusInd Bank Home Loan interest rates are based on the external benchmark lending rate (as per RBI’s guidelines). Although the bank has not disclosed the interest rates for its home loan schemes, lenders usually set their home loan interest rates on the basis of their loan applicants’ monthly income, credit score, repayment capacity, job profile, employer’s profile, etc.

Fees and Charges for IndusInd Bank Home Loan

Processing Charges

Particulars Rates
Processing charges (non-refundable) Up to 1% of the loan amount

Prepayment/Foreclosure Charges

Particulars Rates
Foreclosure/part prepayment charges Nil (for floating rate home loans)

Other Charges related to IndusInd Bank Home Loans

Particulars Rates
Late payment charges 2% per month on overdue amount or Rs 100, whichever is higher
Bounce charges (Cheque/ ECS/SI/ACH etc.) Rs 750 per instance
Non-Refundable Initial Money Deposit Up to Rs 2,500
Non-refundable stamping charges As per the applicable state laws
Swapping charges (Cheque/SI/ECS/ACH etc.) Rs 500 per swap per instance
Duplicate repayment schedule charges Nil
List of Documents Nil
Document copy charges Rs 500 (for providing property documents’ copy)
Collection charges (Local as per municipal or city limits) Nil
Repricing Charges Up to 0.5% of principal outstanding (subject to a minimum of Rs 5,000)
Swap of collateral or property Nil
Rebooking of loans (due to change in property/collateral, change in borrowing structure) within 6 months Nil
Loan Cancellation Charges Rs 1,000 (additional franking or stamping norms as per actuals)
Non-compliance charges 1% incremental pricing over and above the existing spread (plus taxes & any other statutory dues)
Legal, repossession or incidental charges At actuals

IndusInd Bank Home Loan Eligibility Criteria

The home loan eligibility criteria for loan applicants availing IndusInd Bank are mentioned below:

  • Both resident Indians and NRIs are eligible for availing IndusInd Bank Home Loans.
  • Salaried individuals aged between 24 to 60 years and working in government or reputed companies with work experience of at least 3 years can avail home loans from IndusInd Bank.
  • Self-employed professionals including doctors, engineers, CA or CS aged between 24 to 70 years with a minimum of 3 years of experience are eligible for availing IndusInd Bank Home Loans.
  • Self-employed non-professionals, aged between 24 and 65 years, who have filed their ITR and have a minimum experience of 3 years can apply for home loans from IndusInd Bank.

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Documents Required for IndusInd Bank Home Loan

The list of documents required for availing home loans from IndusInd Bank are as follows:

  • PAN or Form 60: Copy of PAN Card (mandatory if the loan applicant’s income is considered) or Form 60 (if PAN card is not available)
  • Identity proof (any one, if PAN not available): Passport (mandatory for NRI home loan applicants along with valid VISA), Driving License, Voter ID, Aadhaar Card, job card issued by NREGA
  • Residence address proof (any one): Driving License, Passport, Aadhaar Card, Voter ID, Job Card issued by NREGA
  • Age proof (any one): PAN Card, Driving License, Passport, Aadhaar Card (if the complete date of birth is mentioned in the card), Voter ID, Birth Certificate or School Leaving Certificate (10th), Life insurance policy
  • Proof of office address for self-employed (any one): Utility bill (piped gas, water, post-paid mobile phone, electricity, landline, telephone) less than 2 months old, GST registration certificate, shops & establishment certificate, title documents of shop or business premises, any other govt. / authority issued license or equivalent document, Rental Agreement / Lease Deed along with utility bill in the name of landlord less than 2 months old (for rented premises)
  • Income Documents:
    • Last 3 months’ salary slip, salary certificate or contract on company’s letterhead and signed by authorized signatory
    • Last 2 years Form 16/16A (Form 16 can be waived if eligibility is met through the salary mentioned on salary slip without including bonus)
    • Last 3 month bank account statements where salary is credited
    • ITR of individual and business along with audited financials of last 2 years
    • Last 6 month bank statements for business/operating account of firm/company and loan applicants’ saving/current account
  • Existing track record of loan repayment:
    • Bank statement reflecting last 6 months EMI clearance of existing loans (12 months for balance transfer loan)
    • Sanction letters or loan account statements
  • Signature Verification Proof (any one): Passport, Cheque for login fee from salary account, verification of banker’s signature, PAN Card (e-filed PAN Cards not accepted as signature proof)
  • Additional Documents (for non-individual entity):
    • Certificate of Incorporation (COI), Certificate of Commencement (COC), Memorandum of Association (MOA) & Article of Association (AOA)
    • Partnership Deed
    • Trust Deed
  • Property Documents (if identified)
    • Sale agreement
    • Construction / Renovation estimate for purchase plus construction/self-construction/Home extension/Home Improvement cases
    • List of documents (LOD) for home loan balance transfer cases
  • Processing Fee cheque from salary/main operating account
  • Application Form: Duly filled and signed application form, Passport size photograph (latest) of the applicants affixed to the application form and self-attested via signature across the photograph
  • Loan Agreement and Annexures: Loan agreement as per product type Annexures to be duly filled, signed & stamped as per state law:
    • Schedule of the loan agreement
    • List of Documents (LOD)
    • Loan restriction letter (if any)
    • Disbursement request letter
    • For NRIs – franked GPA document
    • Indemnity for under construction cases in plot loans

Any alteration/correction to be authenticated by applicants

  • NACH mandate/SI form and Security Cheques (SPDC): NACH / SI mandate with a signed cancelled cheque with A/C holder’s name as per bank records and 3 undated security PDCs equivalent to EMI amount
    • 1 undated cheque with the amount kept blank
    • 1 cheque towards PEMI amount SPDC favoring “IndusInd Bank A/C Customer Name
  • Insurance Details: Life/General insurance application form (if applicable)
  • Processing Fee: Cheque for balance processing fee cheque (with clearance details)
  • Property documents as per the type of transaction, according to the bank’s policy
  • For balance transfer from other bank or financial institution:
    • Original list of documents from the previous financer
    • Latest 12 months loan A/C statement with the latest outstanding letter
    • Existing loan details and 6 months bank statement from where EMI is deducted
    • Indenture of guarantee, undertaking of indemnity
  • Own contribution receipts and bank statements reflecting the payment of own contribution
  • Sanction Letter Duly accepted and signed by all applicants/power of attorney
  • Other Documents (to be collected if applicable)
    • Letter from customer towards opting for EMI in case of partly disbursed case
    • Dual name/dual sign affidavit
    • End-use letter for home loan top-up cases

Note: IndusInd Bank may ask its loan applicants to submit further home loan documents based on the loan applicant’s credit profile.

Prospective home loan customers can contact the IndusInd Bank Home Loan Customer Care Number to get more information about the home loan schemes offered by the lender

How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

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FAQs

IndusInd Bank offers home loans to both their existing and new customers, provided they fulfil the eligibility criteria set by the lender.

IndusInd Bank claims to process home loan applications within 3 days. However, the overall turnaround time would depend on the time taken to process loan documents and physical verification of the property.

A home loan co-borrower is an individual who avails the loan along with the primary borrower. The co-borrower is equally responsible for EMI payments along with the primary borrower. If the primary borrower fails to repay the loan amount or in case of his death, the responsibility for loan repayment falls on the co-borrower. A loan guarantor is an individual who agrees to repay the loan borrower’s debt if the primary borrower and his/her co-borrowers, if any, default on loan payments. Note that home loan co-borrower(s) should be a family member of the primary borrower while there is no such restriction on becoming loan guarantors.

IndusInd Bank has not disclosed whether it offers its existing customers the facility of increasing their loan tenure to reduce the EMI of their home loan. However, many lenders offering home loans allow their existing borrowers to increase the repayment tenure provided they are within the maximum eligible age or retirement age at the time of loan maturity. Any request to increase loan tenure is considered as loan restructuring, which credit bureaus consider as a negative credit event. This leads to credit score reduction for borrowers, thereby negatively impacting the eligibility for availing credit cards or loans in the future.

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