Home Loans | Apply Home Loan Online - Indiabulls Housing Finance Ltd

Home Loans

Easy Home Loans to suit your needs

They say your home is where your story begins. At Indiabulls Home Loans, we pride ourselves in helping you begin this story as conveniently as can be. We partner you to share the load of achieving your dream of owning a house, whilst you can focus on laying the foundations that make that house your home. We provide tailor-made home loan solutions to support your dream of owning a home. Your home buying experience is a matter of great importance to us.

Buying your own home requires long-term planning and a bundle of correct decisions. We will help you in every step of the way – selecting the right property, checking approvals of the selected project, registration of the property, filing of documents, calculating the perfect home loan EMI and tenure of your loan to help you plan forward. We guarantee a quick process in your loan application so that your dreams do not have to wait any longer. Your needs and feedback are the pillars which support our philosophy of making all our customers a priority.

We provide a strong reach throughout the country with over 220 easily accessible branches at your disposal to be of service to you.


Indiabulls Home Loans offers the best features and most competitive pricing to the widest range of borrowers seeking to buy their dream home. While every home loan is a very personalized need of borrowers and Indiabulls Home Loans makes the best effort to understand the requirement and provide them with the most customized home loans. Some of our salient features are presented below:

Maximum loan
We offer upto 90% of the cost of the property (including the cost of the land), if your loan requirement is upto Rs. 30 lacs . For loans above Rs. 30 lacs and upto Rs. 75 Lacs , it is upto 80% and for loans above Rs 75 Lacs, it can be maximum 75% of the cost of the property . This is subject to the repayment capacity of the customer.·

Maximum Term
30 years subject to your retirement age.

Applicant and Co-Applicant to the loan
Home Loans can be applied for either individually or jointly. Proposed owners of the property, will have to be co-applicants. However, the co-applicants need not be co-owners.

Adjustable Interest Rate Home Loan
Loan under Adjustable Interest Rate is linked to benchmark rates of IHFL. The rate on your loan may be revised from the following month, if there is a change in the benchmark rate of IHFL. However, the EMI on the home loan disbursed will not change*. If the interest rate increases, the
interest component in an EMI will increase and the principal component will reduce resulting in an extension of term of the loan, and vice versa when the interest rate decreases.

Purchase of Flat, row house, bungalow from developers, existing freehold properties, properties in an existing co-operative housing society or apartment owner's association
Construction of residential dwelling unit on a plot already owned.
Purchase of residential plot and / or construction thereon
Extension of existing residential property (adding floors, new rooms)
Renovation of existing residential property
* Conditions Apply·

Home loans come with a dual advantage - tax benefits and rent saving. Both these elements contribute towards the EMI outflow.

Appreciation in the property value is an additional bonus. We ensure that our customers get maximum benefits through their home loans.

Here is a list of benefits that you can avail when you take an Indiabulls home loan:
• Approval of loan even if property is yet to be selected
• Online management of Loan account
• Funding available for NRI customers
• Facility for funding for builder’s under construction and ready properties
• Experienced staff to provide doorstep services
• Quick processing and disbursal of loans

Making home loans easier:
• Home search made simple with property search services
• Home loan counseling services
• Attractive interest rates
• Doorstep service
• Quick approval and disbursal
• 5000+ pre-approved projects
• Easy monthly repayments under part disbursements
• Safe document storage (ISO Certified)
• Balance Transfer with reduced interest rates and EMI’s
• No pre-payment / foreclosure charges on home loans

To further enhance the experience of managing your home loan, we have introduced a host of features on our website and phone application. Key features that create value can be accessed from anywhere you want to ensure that there is nothing to hamper your requirements.

Managing home loans is now more convenient:
• Mobile Application
• Online Account Management
• One Click Loan Approval
• Home Loan Calculators
• Easy Document Upload
• Application Trackers on Website and App

Tax Benefits 
The income tax authorities offer certain benefits and exemptions to individuals who have taken a housing loan from specified financial institutions.

Section 24 of the Income Tax Act
Interest paid on capital borrowed for the acquisition, construction, repair, renewal or reconstruction of property is entitled to a deduction. Rs 2,00,000 is the maximum amount eligible for deduction in the case of self-occupied property and for rented out property there is no limit of amount of deduction.

Section 80C of the Income Tax Act
You can get a maximum Rs.1,50,000 deduction from the Income, on repayment of principal during a financial year. Stamp duty, registration fee or other such expenses paid for the purpose of transfer of such house property to the assessee is also considered under this amount.

Home Loans Variable Rate

Loan Amount Variable Rates%
Upto and including Rs 500 lacs 9.30% to 11.75%
More than Rs 500 lacs 10.25% to 12.25%

Home Loans Fixed & Floating

Loan Amount Fixed Rate Tenure Rates%
Upto and including Rs 300 lacs Upto 3 Years 9.75% to 12.00%
More than Rs 300 lacs
10.50% to 12.25%

After the completion of Fixed Rate Tenure, the rate of interest applicable on loan will be the prevailing Variable Rate Of Interest basis the Margin adjusted to Reference Rates at the time of loan agreement execution.


Approved Projects