IDBI bank requires a minimum salary of Rs. 25,000 for home loan borrowers to avail home loan facility from the bank.

A borrower’s net monthly income is a qualifying factor for the amount of IDBI Bank home loan that can be availed. The bank currently offers home loans at an interest rate of 6.90% and the maximum loan tenure is 30 years. 

For salaried applicants


22 to 70 years

Loan amount(maximum)

Rs. 10 crores

Interest rate

Starting at 6.90%

The table below shows the eligibility of the home loan amount that a borrower is eligible for based on different monthly income ranges. These are calculated as per the maximum repayment tenure of 30 years offered by the bank. 

Monthly Income

Maximum Loan Amount

Rs. 25,000

Rs. 14,80,589

Rs. 30,000

Rs. 19,98,796

Rs. 35,000

Rs. 23,31,928

Rs. 45,000

Rs. 29,98,193

Rs. 50,000

Rs. 33,31,326

Rs. 55,000

Rs. 40,71,621

Rs. 60,000

Rs. 44,41,768

Rs. 65,000

Rs. 48,11,915

Rs. 70,000

Rs. 51,82,062

Rs. 75,000

Rs. 55,52,210

Some of the features of IDBI bank home loan are:

  • Customized home loan features for both salaried and self-employed applicants.
  • The bank has a vast network of over 2000 branches across the country. This allows easy service availability to home loan borrowers.
  • Borrowers have the option to apply online for a home loan with the bank.
  • The bank offers assistance in property search and also due diligence of the selected property before acquisition.
  • The bank has flexible loan repayment options.
  • Applicants have the luxury to apply for a home loan from anywhere for property purchases to be done anywhere in the country.

Because of the easy access to home loans, salaried individuals prefer to take home loans from IDBI bank, especially considering the flexible repayment solutions offered by the bank.