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India Bulls Home Loan

India Bulls Home Loan


Max Tenure

30 yrs

Best Rate


Processing Fee

Rs. 10,000/-*

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India Bulls Home Loan

About India Bulls

India Bulls Housing Finance Ltd, the second largest housing finance company in India, was established in 1999 in New Delhi. Currently, the India Bulls group is into housing finance, real-estate and wealth management. With the customer base of 9.20 Lakhs, Indian Bulls Group operates from 220 branches in 110 cities across India.

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How to Apply for RBL Bank Home Loan - Apply for Housing/Home Loans Online from RBL Bank ✓ Home loan bad credit ✓ Quick Processing low-interest home loans at

What Is a Home Loan?

Home Loan is offered to individuals who wish to construct or buy a house. The property bought or about to be constructed is mortgaged as collateral until the repayment of the loan is completed with full interest. The repayment of the loan generally depends on the capacity of the borrower. Normally, the home loan tenure ranges between 5 to 30 years. The borrower can opt either for floating type of interest or fixed interest rate. Home loan provides tax benefits to the borrowers.

An Introduction to India Bulls Home Loans

India Bulls offers a wide range of services in the home loan segment. It is the most preferred bank by all kinds of people for any financial service. Packed with exclusive benefits, India Bulls Home Loans are tailor made catering to the needs of various customers.

Advantages of India Bulls Home Loans

  • Low interest rates
  • Low processing fees
  • Less paperwork
  • No prepayment penalties
  • No hidden costs and administrative charges
  • Balance home loan transfer

Features of India Bulls Home Loan


India Bulls home loan aims to help millions of people achieve their dream of owning a house.

Loan Amount:

Loan amount is subject to income and valuation of Property.

Loan Tenure:

Tenure will vary as per the customer’s requirement and repaying capability

Prepayment Charges: NIL

Processing Fees:

As applicable and specified in the Terms & Conditions

Interest Rate:

Home Loans Variable Rate

Loan AmountVariable Rates (%)
Up to and including Rs. 75 lacs8.40% to 9.75%
More than Rs. 75 Lacs and up to Rs. 300 lacs8.65% to 10.50%
More than Rs. 300 Lacs8.80% to 11.25%
* ROI to be 0.05% higher if property is not owned/co-owned by women borrower/co-borrower.

Home Loans Fixed & Floating Rate of Interest

Loan AmountFixed Rate TenureRates (%)
Up to and including Rs 75 lacsUp to 2 Years8.95% to 10.00%
More than Rs 75 lacs and up to Rs 300 lacs9.00% to 10.75%
More than Rs 300 lacs9.10% to 11.50%
After the completion of Fixed Rate Tenure, the rate of interest applicable on loan will be the prevailing Variable Rate of Interest basis the Margin adjusted to Reference Rates at the time of loan agreement execution.

Eligibility Criteria:

To avail the home loan from India Bulls, you need to have the following eligibility criteria.

  • You should be more than 21 years of age
  • Steady income with minimum 2 years of experience

Documents Required to Apply for India Bulls Home Loans

Important documents to be submitted while applying for home loans with India Bulls

  • Completed loan application
  • 3 Passport size photographs
  • Proof of identify (photo copies of Voters ID card/ Passport/ Driving licence/ IT PAN card)
  • Proof of residence (photo copies of recent Telephone Bills/ Electricity Bill)
  • Statement of Bank Account/ Pass Book for last six months
  • Form 16/IT returns for the last two financial years for salaried employees
  • IT returns for the three years for self-employed professionals
  • Property tax receipt
  • Proof of business address for non-salaried individuals
  • Personal assets and liabilities statement

For guarantor (wherever applicable):

  • Personal Assets and Liabilities Statement
  • 2 passport size photographs
  • Proof of identification as above
  • Proof of residence as above
  • Proof of business address as above
  • Signature identification from his/her present bankers

EMI Payment Methods

Your India Bulls home loan can be repaid in following three ways.

Standing Instruction (SI):

If you are an existing account holder with India Bulls, Standing Instruction is the best mode of repayment. Your EMI amount will be debited automatically at the end of the monthly cycle from the India Bulls account you specify.

Electronic Clearing Service (ECS):

This mode can be used if you have a non-India Bulls account and would like your EMIs to be debited automatically at the end of the monthly cycle from this account.

Post-Dated Cheques (PDCs):

You can submit post-dated EMI cheques from a non-India Bulls account at your nearest India Bulls Loan Centre. A fresh set of PDCs will have to be submitted in a timely manner. Please note Post Dated Cheques will be collected non-ECS locations only.

It is recommended that you opt for either the SI or ECS mode of payment for faster and less prone to error than the use of PDCs.

How to Apply for India Bulls Home Loan?

You can either apply online or visit a nearby India Bulls branch for the application. You can also download the home loan application form from the India Bulls official website, complete the form and submit it the bank representative.

Home Loan and Credit Score

A good credit score is really the starting point to get the best offers on home loans from all lenders, with a score above 750+ you will be able to get flexible repayment tenor, reduced interest rates and save on monthly EMIs.

You can also check your eligibility for a home loan through CreditMantri and apply for it.

India Bulls Home Loan FAQs

1. What are processing fees on India Bulls Home Loans?

As applicable and specified in the Terms & Conditions

2. Is there penalty for prepaying the India Bulls Home Loan?

There is no processing fee

3. What is the maximum loan repayment period for India Bulls home loans?

Repayment period of 10 to 20 years.

4. How Can I apply for a India Bulls home loan?

You can either apply online or visit a nearest India Bulls branch and take the help of the bank’s representative.

5. Does India Bulls Bank facilitate balance home loan transfer?

Yes, you can transfer your existing home loan to India Bulls Bank.

6. Can I get tax benefits from India Bulls Home Loan?

As per Section 80C read with section 80CCE of the Income Tax Act, 1961 the principal repayment up to INR 150,000 on your home loan will be allowed as a deduction from the gross total income subject to fulfilment of prescribed conditions.

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