IDBI Bank home loan interest rates currently start from 6.90% p.a. The bank offers loan tenures for a maximum of 30 years and allows easy repayment options to borrowers. IDBI Bank offers housing loans of a maximum of Rs. 10 crores. The bank’s home loan processing fee is waived off in case of inward balance transfers and PMAY cases. The bank also offers borrowers its housing loan through affordable variants like the PMAY scheme. It levies zero foreclosure fees on floating interest rate home loans. IDBI offers various types of home loans to suit different requirements of borrowers.

IDBI Home Loan Interest Rates 2021

The IDBI home loan interest rate is linked with repo linked lending rate or RLLR. Hence, it may fluctuate with movements in RLLR.

IDBI Home Loan Schemes

Interest Rate (p.a.)

Fixed Rates (p.a.)

IDBI Home Loan

6.90% to 9.90%

9.85% to 10.10%

IDBI Neev home loan

7.60% to 8.20%

10.00% to 10.25%

IDBI Neev 2.0

7.90% to 8.50%


IDBI rural/semi-urban housing Finance



IDBI Bank Home Loan Calculator

Borrowers should use the IDBI Bank home loan EMI calculator to estimate the approximate home loan EMI before actually taking the loan. This user-friendly tool is easy to use and provides accurate information for borrowers to plan their finances. To get the EMI amount, users must enter the preferred loan amount, interest rate, loan tenure, and processing fee, as applicable. Once they click on the “Calculate” option, they can instantly check their EMI. This is generally followed by an amortization which gives a detailed breakdown of the loan repayment schedule.