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IDBI Bank, a leading public sector bank, offers comprehensive home loans for property purchase, construction, renovation, extension, or balance transfer up to 90% of value (max ₹5 crore+ based on profile). As of November 2025, IDBI Bank home loan interest rate starts at 7.55% p.a. for eligible salaried borrowers (CIBIL 750+), up to 12.75% p.a. for others, with tenures up to 30 years. Supports PMAY-CLSS subsidies (up to 6.50% for EWS/LIG), quick digital approvals in 7-15 days, and step-up repayment for growing incomes—ideal for salaried earning ₹25,000+ or self-employed with ₹3 lakh+ ITR.
|
Feature |
Details |
|
Interest Rate |
Starts at 7.55% p.a. (up to 12.75% p.a.; floating, profile-linked) |
|
Processing Fee |
0.50% of loan amount + GST (min ₹5,000) |
|
Loan Amount |
Up to 90% property value (₹5 crore+ for strong profiles) |
|
Repayment Tenure |
Up to 30 years |
|
Applicant Age |
21-70 years (at maturity) |
|
Approval & Disbursal |
7–15 working days |
|
Prepayment Charges |
Nil (floating rate; individuals) |
|
Eligibility (Salaried) |
₹25,000+ monthly; 1 year job; CIBIL 700+ |
|
Eligibility (Self-Employed) |
2 years business; ₹3 lakh+ ITR; CIBIL 700+ |
IDBI Bank home loan interest rate is floating, linked to EBLR/MCLR (overnight MCLR 8.00% w.e.f. Oct 2025), starting 7.55% p.a. for salaried (CIBIL 750+) on ≤₹30 lakh loans, up to 12.75% p.a. for self-employed. PMAY-CLSS: 6.50% subsidy on ₹6 lakh (EWS/LIG), effective ~1.05%; women/defense get 0.05-0.10% off. Step-up EMI assumes 6-8% income growth every 5 years.
|
Borrower Category |
Interest Rate |
Max Rate |
Key Influencing Factors |
|
Salaried (CIBIL ≥750) |
7.55% |
9.50% |
Stable job, ≤₹30 lakh, PMAY |
|
Self-Employed |
8.50% |
12.75% |
ITR, business vintage |
|
Balance Transfer |
7.75% |
10.00% |
Old repayment history |
|
PMAY EWS/LIG |
~1.05% effective |
8.00% |
Income <₹18 lakh |
|
Bank |
Starting Rate |
Processing Fee |
Max Tenure |
|
IDBI Bank |
7.55% |
0.50% |
30 years |
|
SBI |
7.50% |
0.35% |
30 years |
|
HDFC |
8.15% |
0.5-1% |
30 years |
|
ICICI |
8.75% |
0.5-1% |
30 years |
₹50 lakh/20 years at 7.55%: EMI ₹37,800 (₹2,200 less/month vs. ICICI); PMAY saves ₹2.67 lakh.
Official IDBI Bank home loan calculator at idbibank.in/home-loan-calculator: Input amount/rate/tenure for EMI/amortization/PMAY.
Example: ₹40 lakh/20 years/7.55%
|
Monthly EMI |
Total Interest |
Total Payable |
|
₹30,200 |
₹32.48 lakh |
₹72.48 lakh |
15 years: ₹33,200 EMI, ₹10 lakh saved; PMAY +₹2 lakh subsidy.
|
Charge |
Amount |
|
Processing Fee |
0.50% + GST (min ₹5,000) |
|
Legal/Valuation |
₹3,000–₹5,000 |
|
CERSAI |
₹500 |
|
Stamp Duty |
0.1-0.3% (state) |
|
Prepayment (Floating) |
Nil |
GST 18%; PMAY waivers apply.
● ₹25,000+ monthly
● 1 year job
● CIBIL 700+
● 2 years business
● ₹3 lakh+ ITR
90% LTV PMAY; co-applicants ok.
|
Service |
Contact Details |
|
Toll-Free (24x7) |
1800-209-4324 / 1800-22-1070 |
|
Non-Toll Free |
022-67719100 |
|
|
customercare@idbibank.com |
|
Grievance |
pnbegrievance@idbi.co.in |
Visit idbibank.in/track-application; enter URN/Application No./PAN/mobile + OTP—view: Submitted>Disbursed. Or call 1800-209-4324 (option 4); SMS/branch too.
₹25,000+ monthly salaried; ₹3 lakh+ ITR self-employed. 50% DTI max; PMAY for <₹18 lakh.
Yes, 2+ years abroad, NRE proofs; 80% LTV, rates +0.10%. POA for execution.
Yes: 6.50% subsidy ₹6-12 lakh loans (≤₹45 lakh property). EWS/LIG/MIG; effective ~1%.
7.75-10% rates; 0.50% fee. Top-up 20% free; 5-10 days processing.
Final Thoughts
IDBI Bank home loan at 7.55% with PMAY/step-up EMI suits middle-income amid 9% price rise (NHB). Apply idbibank.in/1800-209-4324.
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