25 Lakh IDBI Bank Home Loan

Make your dream home a reality with IDBI Bank's flexible home loan options. Competitive rates starting from 8.45% and manageable EMIs with loan tenures of up to 30 years ensure affordability. A streamlined application process with minimal fees and the freedom of nil foreclosure charges and part payments. Whether you're buying, building, or renovating, IDBI Bank has a home loan solution to fit your needs.

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Table of Content

1. 25 Lakh Home Loan IDBI Bank Highlights

2. 25 Lakh Home Loan EMI For 5 Years IDBI Bank

3. 25 Lakh Home Loan EMI For 10 Years IDBI Bank

4. 25 Lakh Home Loan EMI For 15 Years IDBI Bank

5. 25 Lakh Home Loan EMI For 20 Years IDBI Bank

6. 25 Lakh Home Loan EMI For 25 Years IDBI Bank

7. 25 Lakh IDBI Bank Home Loan Fees And Charges

8. 25 Lakh IDBI Bank Home Loan Documents Required

9. 25 Lakh IDBI Bank Home Loan Eligibility Criteria

Written By

Kirti Bansal

Kirti Bansal is an esteemed financial expert and accomplished writer, specializing in a range of financial topics, including Financial Services, Investments, Loan Assessments, Mutual Funds, and Banking. With a wealth of experience in the financial industry, she has earned a reputation as a trusted voice! Her expertise serves as a beacon for those navigating the intricacies of finance.

Reviewed By

Piyush Bothra

Chief Financial Officer, Square Yards

Piyush Bothra is the Chief Financial Officer at Square Yards, bringing over two decades of rich experience in finance and leadership. He is an MBA graduate from the prestigious IIM Lucknow and holds a BE in Information Technology from Sardar Vallabhbhai Patel Institute of Technology. He has played pivotal roles in scaling businesses and driving financial strategies. At Square Yards since 2015, Piyush is known for his strategic vision, strong financial knowledge, and valuable financial insights, significantly contributing to the company's growth and success.

25 Lakh Home Loan IDBI Bank – Highlights

Given below are the highlights for a 25 lakh home loan from IDBI Bank:

Parameter	Details
Loan Tenure	Up to 30 years
Processing Fee	5,000 to 15,000 INR
Part Payment Charges	Allowed with conditions
Penal Interest Rate	2% per annum

25 Lakh Home Loan EMI For 5 Years IDBI Bank

We’ve calculated the EMI for your ₹25 lakh home loan; see how much you are required to pay per month.

Loan Amount	Interest Rate	Loan Tenure	Monthly EMI (Approx.)	Total Interest Payable	Total Payment (Principal + Interest)
25,00,000 INR	8.50% p.a.	5 years	51,235 INR	6,74,125 INR	31,74,125 INR

25 Lakh Home Loan EMI For 10 Years IDBI Bank

Here’s the EMI for your ₹25 lakh home loan:

Loan Amount	Interest Rate	Loan Tenure	Monthly EMI (Approx.)	Total Interest Payable	Total Payment (Principal + Interest)
25,00,000 INR	8.50% p.a.	10 years	30,571 INR	13,68,572 INR	38,68,572 INR

25 Lakh Home Loan EMI For 15 Years IDBI Bank

We’ve pre-calculated the EMI for your ₹25 lakh home loan so you can see the full picture upfront.

Loan Amount	Interest Rate	Loan Tenure	Monthly EMI (Approx.)	Total Interest Payable	Total Payment (Principal + Interest)
25,00,000 INR	8.50% p.a.	15 years	26,071 INR	22,92,070 INR	47,92,070 INR

25 Lakh Home Loan EMI For 20 Years IDBI Bank

We have provided the EMI for your ₹25 lakh home loan to facilitate informed planning.

Loan Amount	Interest Rate	Loan Tenure	Monthly EMI (Approx.)	Total Interest Payable	Total Payment (Principal + Interest)
25,00,000 INR	8.50% p.a.	20 years	22,814 INR	34,35,419 INR	59,35,419 INR

25 Lakh Home Loan EMI For 25 Years IDBI Bank

The EMI for your ₹25 lakh home loan is available for your reference, enabling a streamlined budgeting process.

Loan Amount	Interest Rate	Loan Tenure	Monthly EMI (Approx.)	Total Interest Payable	Total Payment (Principal + Interest)
25,00,000 INR	8.50% p.a.	25 years	20,911 INR	36,73,270 INR	61,73,270 INR

25 Lakh IDBI Bank Home Loan – Fees And Charges

Here is a table that tells you all about the fees for a 25 lakh home loan by IDBI Bank:

Type of Charge	Details
Foreclosure Charges	Floating Rate Home Loans to Individuals: NIL Fixed Rate Home Loans (within 6 months): 2% on outstanding amount
Part Payment Terms	Home Loan: Not more than one prepayment in a month, minimum INR 25,000 Loan Against Property: Four times in a financial year, a maximum of 30% of the sanctioned amount
Processing & Administrative Fees	Home Loan (Up to Rs. 35 Lakh): From INR 5,000 Loan Against Property (All Variants): Varies by loan amount range
Interest Rate Conversion Charges	From Floating Rate to another applicable rate: Rs. 5,000 for individual accounts
Other Charges	NEFT/RTGS/IMPS charges vary by transaction amount Cash deposit and chequebook issuance charges are applicable

25 Lakh IDBI Bank Home Loan – Documents Required

Here are the documents required for a 25 lakh home loan from IDBI Bank:

Application form with photograph
Identity proof (such as an Aadhaar card, Passport, Voter ID, or PAN card)
Address proof (such as an Aadhaar card, Passport, Voter ID, or Utility bills)
Latest salary slips or income statements for salaried individuals
Form 16 or income tax returns for the last two years
Bank statements for the last six months

25 Lakh IDBI Bank Home Loan – Eligibility Criteria

Here are the eligibility criteria for a 25 lakh home loan from IDBI Bank:

Salaried individuals or self-employed professionals.
Minimum age of 22 years, with a maximum age of 70 or retirement age at loan maturity.
Demonstrated ability to repay the loan, assessed through income stability and continuity.
Required documents include identity proof, address proof, income statements, and other financial documents as specified by IDBI Bank.

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Frequently Asked Questions (FAQs)

What is the EMI for a 25 lakh home loan for 20 years at IDBI Bank?

With IDBI Bank’s current interest rates ranging from approximately 8.45% to 10.75%, the EMI for a 25 lakh loan over 20 years would vary roughly between ₹22,979 and ₹27,102 per month. This can be calculated using an EMI calculator based on the specific interest rate offered.

Who is eligible for a 25 lakh home loan at IDBI Bank?

Individuals eligible for a 25 lakh home loan include salaried persons and self-employed professionals who meet IDBI Bank’s criteria. These criteria typically involve factors such as age, income stability, credit history, and other financial considerations.

What is the monthly interest rate on a 25 lakh home loan at IDBI Bank?

The monthly interest rate is derived from the annual interest rate divided by 12. For example, with an annual rate starting at 8.45%, the monthly interest rate would be approximately 0.7042%. This rate influences the calculation of monthly loan repayments (EMI).