Fixed Deposit
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IND Mortgage
Interest Rate
10.10% to 11.75% per annum.
Down Payment / LTV Ratio
40% of the Realisable sale value of the immovable property offered as security in Tier-I & II cities.
50% in the case of properties situated in other places.
Maximum Loan Amount
Up to 25,00,00,000.
Floating
Fixed / Floating
IND Mortgage
Salaried class:
Permanent Employees of Central/State govt./Quasi govt. bodies/Public Limited Companies/ reputed Private Limited companies with a clear record of paying timely salaries.
Applicant should have a minimum completed service of 3 years.
Employees of Indian Bank and other Banks (PSU/Private/Foreign/Co-op) are also eligible.P & SE, Other Individuals, Sole-proprietor & other Business Class:* Self-employed/Professionals/ Traders/Businessmen including, Sole Proprietary concern, Firms and Limited companies are eligible based on their income level and cash flow.
Pensioners: All Central / State Govt. Pensioners, Family Pensioners, Re-employed pensioners who are drawing their pension through our branches are eligible
NRI customers are also included subject to the condition that the end use is for bankable purposes, as RBI permitted.
Age criteria: For individuals: Minimum entry-level age: 18 years.
Salaried Class individuals: Exit Level age: 60 years (or date of retirement whichever is earlier)
Other individuals: Exit Level age: 70 years
MyRupaya Ratings
IB Home Loan Plus
Interest Rate
8.90% to 10.00% per annum.
Down Payment / LTV Ratio
25% on the Realisable sale value of the property.
Maximum Loan Amount
Up to 10,00,00,000.
Floating
Fixed / Floating
IB Home Loan Plus
All existing home loan borrowers (Residents & NRIs) including HL-CRE / IB Home Advantage / HL for Repairs and Renovation which are under the ‘Standard’ category.
The borrower has paid a minimum of 12 EMIs regularly.
The home loan account should not have appeared in SMA 2 during the last 1 year. However, home loan accounts should never have appeared in NPA.
Possession of the house / flat has been taken by the borrower and a valid mortgage has been created in favour of the bank.
MyRupaya Ratings
IB Home Loan Flexi
Interest Rate
8.80% to 10.20% per annum.
Down Payment / LTV Ratio
Not specified by the bank.
Maximum Loan Amount
No limit.
Floating
Fixed / Floating
IB Home Loan Flexi
Prospective home loan customers under IB Home Loan Products.
Existing customers under IB Home Loan Products.
For loans under the Ind Awas scheme, conversion is permitted only after receipt of the entire eligible interest subsidy amount.
Average balance of Rs. 25000/- to be maintained in Savings/ Current account
MyRupaya Ratings
IND Mortgage
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
MyRupaya Ratings :-
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Interest Rate
Homesaver Option
Loan Tenure
Max Loan Amount
10.10% to 11.75% per annum.
No
Up to 25,00,00,000.
Up to 15 years.
IB Home Loan Plus
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
MyRupaya Ratings :-
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Interest Rate
Homesaver Option
Loan Tenure
Max Loan Amount
8.90% to 10.00% per annum.
No
Up to 10,00,00,000.
Up to 15 years.
IB Home Loan Flexi
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
MyRupaya Ratings :-
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Interest Rate
Homesaver Option
Loan Tenure
Max Loan Amount
8.80% to 10.20% per annum.
Yes, the home loan is operated through an IB Home Loan Flexi account with an overdraft limit equal to the amount of the loan disbursed. Users can put their usual savings, in the Flexi account. Depending on the savings in the Flexi account the principal amount will get reduced proportionately, consequently, users can reduce the quantum of interest paid and thereby reduce the tenure of their loan.
No limit.
Not specified on the website.