IndusInd Bank Home Loan: Rates, Eligibility & Fees 2026
IndusInd Bank offers home loans to buy, build or renovate a home. Butter Money compares IndusInd Bank's offer with similar lenders for your profile and handles the paperwork with you until disbursal.
Interest Rate
8.45%
p.a. onwards
Processing Fee
0.125%
+ GST
Max Tenure
30 Years
Max LTV
Up to 90%
loans up to ₹30 lakh
Rates updated 11 Aug 2026 from Butter's lender rate data · IndusInd Bank's official rates
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What stands out with IndusInd Bank
- 0.05% lower rate when a woman is the primary applicant
- Tenure up to 30 years
IndusInd Bank home loan at a glance
| Lender type | Private bank |
| Starting rate | 8.45% p.a. onwards |
| Products | Home loan, Construction, Balance transfer, Plot |
| Funding (LTV) | Up to 90% of the property's value, within RBI's caps |
| Prepayment | Nil on floating-rate loans |
IndusInd Bank Interest Rates, August 2026
By product, CIBIL score & applicant type
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| New to credit | 8.65% onwards | |
| 800 and above | 8.45% onwards | |
| 650–699 | 8.60% onwards | |
| 700–749 | 8.55% onwards | |
| 750–799 | 8.45% onwards | |
| Below 650 | 8.60% onwards |
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| New to credit | 8.70% onwards | |
| 800 and above | 8.50% onwards | |
| 650–699 | 8.65% onwards | |
| 700–749 | 8.60% onwards | |
| 750–799 | 8.50% onwards | |
| Below 650 | 8.65% onwards |
Starting rates for each CIBIL band. Women primary applicants get 0.05% lower. Your final rate also depends on the loan amount, property and profile. Updated 11 Aug 2026.
Fees & Charges
IndusInd Bank vs Similar Lenders
Lenders with the closest rates
| Lender | Best Suited For | Interest Rate |
|---|---|---|
| IndusInd Bank (this page) | Private bank | 8.45% onwards |
| YES Bank | Private bank | 8.35% onwards |
| DBS Bank | Foreign bank | 8.70% onwards |
| IDFC FIRST Bank | Private bank | 7.75% onwards |
IndusInd Bank 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 at IndusInd Bank's rates.
Illustrative calculation based on the selected rate. The rate defaults to 8.45% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.
A ₹50 lakh IndusInd Bank home loan over 20 years at 8.45% costs ₹43,233 a month, or ₹53,75,935 in total interest. Every 0.25% higher adds about ₹793 a month.
IndusInd Bank Home Loan FAQs
What is the IndusInd Bank home loan interest rate?
IndusInd Bank home loan rates start at 8.45% p.a. for the strongest credit profiles and rise for lower CIBIL scores, and women primary applicants get 0.05% lower. Your final rate also depends on the loan amount, property and income.
Can I prepay my IndusInd Bank home loan without charges?
Yes, on a floating-rate home loan. RBI rules do not allow IndusInd Bank to charge individual borrowers for part-prepayment or foreclosure of floating-rate home loans.
How much of the property value will IndusInd Bank fund?
IndusInd Bank funds up to 90% of the property's value, within RBI's caps (up to 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh). You pay the rest as your own contribution.
Rates updated 11 Aug 2026 from Butter's lender rate data. Final terms are set by IndusInd Bank at sanction. Source: IndusInd Bank.