5 Crore IDBI Bank Home Loan

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Looking for an instant fund source to cater to the financial needs of purchasing a dream home? Explore the 5 crore IDBI Bank home loan and determine if it fits your requirements! With interest rates starting at just 8.45% per annum and a loan tenure of up to 30 years, applicants can benefit from low EMIs and manage their expenses accordingly. Take advantage of the ease of choosing from pre-approved projects and repayment plans to suit your financial needs. Curious about the eligibility requirements and necessary documents? Keep scrolling to learn more!

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Table of Content

1. 5 Crore IDBI Bank Home Loan Highlights

2. 5 Crore IDBI Bank Home Loan EMI For 5 Years

3. 5 Crore IDBI Bank Home Loan EMI For 10 Years

4. 5 Crore IDBI Bank Home Loan EMI For 15 Years

5. 5 Crore IDBI Bank Home Loan EMI For 20 Years

6. 5 Crore IDBI Bank Home Loan EMI For 25 Years

7. 5 Crore IDBI Bank Home Loan Fees & Charges

8. 5 Crore IDBI Bank Home Loan Documents Required

9. 5 Crore IDBI Bank Home Loan Eligibility Criteria

Written By

Amrita Sinha

Amrita Sinha comes with a background in journalism and mass communication, drawing from her roots in journalism, she has found her voice in the world of finance. As an accomplished writer, she specialises in Financial Services, Mutual Funds, Loan Assessments, Banking & Loan Products. She has established herself as a reliable expert in the field, offering valuable advice to those looking to navigate the various aspects of personal finance.

Reviewed By

Amit Prakash Singh

Co-Founder, Square Yards & Chief Business Officer, Urban Money

Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

5 Crore IDBI Bank Home Loan – Highlights

Learn more about the important highlights of the 5 crore IDBI Bank home loan by referring to the table below:

Feature	Details
Loan Amount	Up to 5 Crore
Interest Rate	Starting at 8.15% per annum with an excellent CIBIL score
Processing Fees	Rs 15,000 to Rs 25,000
Customer Care	24×7 customer support available
Prepayment Charges	NIL for floating-rate loans; applicable for fixed-rate loans
Insurance Requirement	Property insurance mandatory
Eligibility	Salaried individuals (including NRIs and PIOs), self-employed professionals, and non-professionals with strong credit profiles

5 Crore IDBI Bank Home Loan EMI For 5 Years

Refer to the table below to check the applicable EMI on the 5 crore IDBI Bank housing loan over the tenure of 5 years if obtained at an interest rate of 8.45% per annum:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹5 crores	8.45% p.a.	5 years	₹10,24,622	₹1,14,77,325	₹6,14,77,325

5 Crore IDBI Bank Home Loan EMI For 10 Years

Check the applicable EMI for a 5 crore housing loan from IDBI Bank at an annual interest rate of 8.45% over a tenure of 10 years by studying the table below:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹5 crores	8.45% p.a.	10 years	₹6,18,592	₹2,42,31,061	₹7,42,31,061

5 Crore IDBI Bank Home Loan EMI For 15 Years

Refer to the table below to determine the EMI for a 5 crore housing loan from IDBI Bank with an interest rate of 8.45% per annum over a tenure of 15 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹5 crores	8.45% p.a.	15 years	₹4,90,905	₹3,83,62,980	₹8,83,62,980

5 Crore IDBI Bank Home Loan EMI For 20 Years

Check the table below to find the EMI for a 5 crore housing loan from IDBI Bank at an interest rate of 8.45% per annum for a tenure of 20 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹5 crores	8.45% p.a.	20 years	₹4,32,331	₹5,37,59,351	₹10,37,59,351

5 Crore IDBI Bank Home Loan EMI For 25 Years

The table below can be checked to find the EMI for a 5 crore housing loan from IDBI Bank at an interest rate of 8.45% per annum for a tenure of 25 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹5 crores	8.45% p.a.	25 years	₹4,00,930	₹7,02,79,062	₹12,02,79,062

5 Crore IDBI Bank Home Loan – Fees & Charges

The home loan applicant will have to pay the following fees & charges to avail of a 5 crore IDBI Bank home loan:

Loan Amount Range	Processing Fee (in Rs.)
Up to Rs.35 Lakh	5,000 – 6,000
Above Rs.35 Lakh to Rs.75 Lakh	7,500 – 8,500
Above Rs.75 Lakh to Rs.125 Lakh	13,500 – 14,500
Above Rs.125 Lakh	13,500 – 15,000

5 Crore IDBI Bank Home Loan – Documents Required

The home loan applicant will be asked to submit the following documents if they wish to obtain a 5 crore IDBI Bank housing loan:

Category	Documents Required
Salaried Customers	Identity and Residence Proof
	Latest Salary-slip for last 3 months
	Form 16/Income Tax Returns
	Last 6 months’ bank statement
	Processing fee cheque
Self Employed Professionals	Identity and Residence Proof
	Education Qualifications Certificate and Proof of business existence
	Last 3 years Income Tax returns (self and business)
	Last 3 years Profit/Loss and Balance Sheet
Self Employed Non-Professionals	Identity and Residence Proof
	Proof of business existence
	Business Profile
	Last 3 years’ Income Tax returns
	Last 3 years Profit/Loss and Balance Sheet
	Last 6 months’ bank statements (self and business)

5 Crore IDBI Bank Home Loan – Eligibility Criteria

The eligibility criteria are different for salaried and self-employed individuals:

For Salaried Individuals (Including NRIs and PIOs)

Minimum Age: 22 years
Maximum Age at Loan Maturity: 70 years or the retirement age, whichever comes first
Required Document: Salary source proof

For Self-Employed Professionals and Non-Professionals

Minimum Age: 25 years
Maximum Age at Loan Maturity: 65 years or the retirement age, whichever comes first

Frequently Asked Questions (FAQs)

What is the EMI for a 5 crore IDBI Bank home loan over 20 years?

The applicable EMI on the 5 crore IDBI Bank home loan, if obtained for 20 years and at an interest rate of 8.45% per annum, will be Rs 4,32,331.

Who is eligible for a 5 crore IDBI Bank home loan?

Salaried individuals above the age of 22 and self-employed professionals/non-professionals above the age of 25 with a decent credit score and a regular source of income are eligible for this loan.

What is the monthly interest rate of a 5 crore IDBI Bank home loan?

IDBI Bank offers a minimum annual interest rate of 8.45%, which equates to roughly 0.70% per month.

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