Check your IDBI Bank home loan eligibility. Rate: 8.40 - 12.25% p.a. Max amount: ₹10 Cr.
IDBI Bank offers home loan at an interest rate of 8.40 - 12.25% p.a. with a maximum tenure of 30 years. The maximum loan amount is ₹10 Cr with a minimum monthly income requirement of ₹25,000.
| Loan Amount | Monthly EMI | Total Interest | Min Income Required |
|---|---|---|---|
| ₹10 Lakh | ₹8,615 | ₹10,67,600 | ₹16,568/mo |
| ₹15 Lakh | ₹12,923 | ₹16,01,520 | ₹24,852/mo |
| ₹20 Lakh | ₹17,230 | ₹21,35,200 | ₹33,135/mo |
| ₹25 Lakh | ₹21,538 | ₹26,69,120 | ₹41,420/mo |
| ₹30 Lakh | ₹25,845 | ₹32,02,800 | ₹49,702/mo |
| ₹35 Lakh | ₹30,153 | ₹37,36,720 | ₹57,987/mo |
| ₹40 Lakh | ₹34,460 | ₹42,70,400 | ₹66,270/mo |
| ₹45 Lakh | ₹38,768 | ₹48,04,320 | ₹74,554/mo |
IDBI Bank Home Loan interest rate ranges from 8.40 - 12.25% p.a. in 2026. The actual rate depends on your credit score, income, and loan amount.
IDBI Bank offers a maximum home loan of ₹10 Cr with a tenure of up to 30 years.
The processing fee for IDBI Bank Home Loan is 0.50% of loan amount + GST (max ₹20,000).
IDBI Bank Home Loan prepayment policy: Nil for floating rate.
The minimum monthly income required is ₹25,000. Use the calculator above to check your exact eligibility based on your income.