What is the processing fee?

The processing fee is 0.125% + GST as listed in the lender data.

What is the maximum home loan tenure?

The maximum tenure is 30 years.

What CIBIL score is preferred?

A higher CIBIL score supports more competitive pricing; the CIBIL-linked ranges are shown above.

What documents are required?

KYC, income and property documents are required as listed in the Documents tab.

Can I transfer my existing home loan to IndusInd Bank?

Yes. Balance transfer is available for eligible borrowers.

IndusInd Bank Home Loan

IndusInd Bank provides home loans for purchase, construction, improvements, top ups, and balance transfers with profile based pricing. Butter Money helps you assess relevant options and navigate the application with reliable, straightforward assistance. Apply with confidence.

Interest Rate

7.80%

p.a. onwards

₹

Processing Fee

0.125%

+ GST

Max Tenure

30 Years

Max LTV

Up to 90%

✦Benefits with Butter Money✦

Zero Hidden Charges

Transparent pricing you can trust

Fast Approval

Quick approvals with less paperwork

Loan Assistance

Expert guidance at every step

Exciting Cashbacks

Save more with exclusive offers

About IndusInd Bank Home Loan

IndusInd Bank is a private sector bank offering profile based home finance for purchase, construction, improvement, top ups, and balance transfers with flexible repayment options, for eligible borrowers.

Home purchase financing

Construction finance

Home improvement funding

Balance transfer option

Top-up housing loans

Up to 90% funding

IndusInd Bank Interest Rates 2026

Based on CIBIL Score & Applicant Type

CIBIL Score	Salaried	Self Employed
800–900	8.45%–9.70%	8.60%–9.85%
750–799	8.45%–9.80%	8.60%–9.95%
700–749	8.55%–9.85%	8.70%–10.00%
650–699	8.60%–9.85%	8.75%–10.00%

Fees & Charges

Charge TypeDetails

Processing Fee0.125% + GST

Legal & Valuation Fee₹3,000–₹5,000 (actuals)

Stamp Duty (MODT)0.5% (state-specific)

CERSAI Registration₹200–₹500

Compare Top Banks

BANKRATE

HDFC Bank7.15% onwards

Bajaj Housing Finance7.20% onwards

SBI7.25% onwards

IndusInd Bank7.80% onwards

Popular IndusInd Bank Schemes

Find the right product for your needs

Scheme Name	Best Suited For	Interest Rate
Home Loan	Home purchase or construction	7.80% onwards
Affordable Home Loan	Affordable housing	7.80% onwards
Balance Transfer	Existing home loan transfer	7.80% onwards
Top-Up Loan	Additional housing funding	8.80% onwards

Home Loan EMI Calculator

Move the sliders to see how the loan amount, interest rate and tenure change your monthly EMI and total interest outgo.

Loan Amount

₹1,00,00,000

₹10,00,000₹10,00,00,000

Interest Rate

%7.8

6%20%

Loan Tenure

Yrs15

1 Yr30 Yrs

YOUR MONTHLY EMI

₹94,414

for 15 years at 7.8% p.a.

Principal amount

₹1,00,00,000

Total interest

₹69,94,556

Total amount payable₹1,69,94,556

Illustrative calculation based on the selected rate. The rate defaults to 7.8% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.