Make Your Dream Home a Reality

Renovate your home, choose flexible funding or finance a home in India with Indian Bank.

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Why Choose Our Home Loans?

Choose a home-loan scheme for your property and repayment needs, subject to Indian Bank eligibility.

Rates follow the prevailing bank policy and depend on your profile and credit assessment.

Approval follows document, legal and property checks.

Repayment tenure depends on the scheme and your eligibility.

Options for resident homeowners and eligible NRIs, OCIs and PIOs, depending on the scheme.

Choose the loan type that best fits your financial situation and home buying goals.

Repair or renovate your residential property.

Loan amount: ₹1 lakh to ₹10 lakh
Repayment: up to 10 years
Available to eligible resident and NRI homeowners
Borrower’s margin: 30%
Holiday until work is complete or 3 months, whichever is earlier; interest payable monthly

An overdraft option for new and existing home-loan customers. Maintain ₹25,000 average balance in a savings/current account.

Loan amount: ₹25 lakh onwards; no upper limit
Deposit surplus funds and redraw within available drawing power after full disbursement
Internet banking, mobile banking and cheque-book facilities
Regular EMIs; drawing power reduces monthly by the principal repaid
Interest: 0.40% p.a. above the applicable IB home-loan rate

Finance a home in India for eligible NRIs, OCIs and PIOs.

Purchase, construction, repairs and renovation
Up to 60× gross monthly income, with 40% net take-home pay after deductions including proposed EMI
Purchase/construction tenure: up to 20 years, including the holiday period
Prepayment charges: Nil
Repay through overseas remittances, domestic sources or direct payments by close relatives

Processing charges follow the bank’s prevailing schedule.

Repay through EMI, progressive monthly instalments or negotiated repayment, subject to terms.

The financed property must remain insured, with annual renewals at the borrower’s cost.

Transfer an eligible existing home loan, subject to Indian Bank’s assessment and terms.

Estimate your EMI; the sanctioned amount depends on repayment capacity, property value and credit assessment.

Calculate Your EMI

Credit history and repayment capacity are assessed under the applicable scheme.

Your contribution depends on the selected scheme, purpose and loan amount.

Submit income proof and bank statements; service or business experience requirements depend on applicant category.