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Indiabulls Home Loan


Interest Rates & Charges

You can own a home of your choice with the help of Indiabulls Home Loans because the company offers competitive interest rates. Various factors, such as your profile, tenure, loan amount, and type of property, determine our rates and charges.


Applicable Fees


Interest rate


Indiabulls Home Loan interest rate is determined based on the assessment of the business, financials, loan amount, and tenure. The interest rate starting from 7.60% annually would help you control costs and keep your EMIs manageable.


Processing charges


There is a small processing fee for loan processing, verification, and other administrative services. The processing fee is 0.5% of the loan amount, along with the applicable taxes.

Indiabulls Home Loan




Technical /Valuation and Legal opinion charges


Balance transfer


Cheque / NACH dishonor charges


Late payment

24% per annum of outstanding EMI


Retrieval charges (for copies of the loan) /property documents in IB custody


Account statement charges/schedule amortization


Certified copies of title deeds, if applicable.

As per actual

Loan agreement stamping

As per actual

Stamping charges (indemnity bond, legal undertakings, legal affidavits, personal guarantee bond, power of attorney for NRI home loans)

As per actual

Retrieval of original property documents for a specific activity like production at SRO or development authority (on borrower request)


Database admin fee

Rs.650 (inclusive of service tax)

ROI switch fee Home Loan



GST applies to all applicable fees and charges and must be paid in addition to them if applicable.

Types of Indiabulls Home Loan Interest Rate

There are two kinds of Indiabulls Home Loan interest rates: fixed and floating.

Fixed Interest Rate

Here, the rate of interest charged on the Indiabulls Home Loan amount will remain constant throughout the loan repayment period. You know your Indiabulls Home Loan EMI obligation at the start of the tenor, allowing you to plan your monthly budget accordingly.

Indiabulls Home Loan
Indiabulls Home Loan

Floating Interest Rate

Here, Indiabulls Home Loan interest rates could change depending on changes to the Marginal Cost of Lending Rate (MCLR), which is the base rate set for banks by the RBI. With changes in MCLR, the interest rate on loans also gets revised. With a lower interest rate, the repayment amount also reduces. On the other hand, if the interest rates increase, your EMI obligation will also increase. A floating Indiabulls Home Loan interest rate makes it difficult for you to ascertain your monthly financial obligation.

Indiabulls Home Loan Interest Calculation Method

There are two methods to calculate interest: flat rate method and the reducing balance method.

In the flat interest rate method, the interest rate is based on the complete loan amount you pay during the repayment period. In case of reducing the balance method, the rate of interest on the Indiabulls Home Loan will be considered and calculated on the basis of the outstanding loan amount.

Flat Interest Rate Calculation

EMI = (principal + total interest payable) / loan tenure in months i.e. total interest payable = P x r x n/100

Where, ‘P’ is the principal loan amount, ‘r’ is the rate of interest, and ‘n’ is the loan tenure in months.

Floating Interest Rate Calculation

EMI = [P x r x (1 + r) ^n] / [(1 + r) ^(n-1)]

Where, ‘P’ is the principal loan amount, ‘r’ is the rate of interest, and ‘n’ is the loan tenure in months.

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