75 Lakh IDBI Bank Home Loan

IDBI Bank, one of the leading private banks in India, offers home loan schemes to home-buying aspirants who need urgent funds to purchase their dream home. The interest rates are comparatively low and attractive, starting at just 8.45% per annum. Borrowers can benefit from pocket-friendly EMIs and longer repayment tenure. IDBI Bank's 75 Lakhs Home Loan scheme ensures quick disbursement of funds after home loan approval and complete transparency throughout the process. Are you looking for an instant 75 Lakhs home loan and want to ensure whether you fit the eligibility or not? Continue reading further!

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Table of Content

1. 75 Lakhs Home Loan IDBI Bank Highlights

2. 75 Lakhs IDBI Bank Home Loan EMI For 5 Years

3. 75 Lakhs IDBI Bank Home Loan EMI For 10 Years

4. 75 Lakhs IDBI Bank Home Loan EMI For 15 Years

5. 75 Lakhs IDBI Bank Home Loan EMI For 20 Years

6. 75 Lakhs IDBI Bank Home Loan EMI For 25 Years

7. 75 Lakhs IDBI Bank Home Loan Fees & Charges

8. 75 Lakhs IDBI Bank Home Loan Documents Required

9. 75 Lakhs IDBI Bank Home Loan Eligibility Criteria

Written By

Satyam Sachdeva

Satyam has always been interested in saving money and realising its worth. He created a Demat account when he turned 18 and has been a keen equity and mutual fund investor. Currently, a writer for Urban Money, he uses his skills to guide his readers in the right direction. Satyam strives to make financial complexities easy for everyone to understand with a pinch of creative salt.

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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.

75 Lakhs Home Loan IDBI Bank – Highlights

Consider reading the important highlights of the IDBI Bank 75 Lakhs home loan if you need instant funds:

Interest Rates	Interest rates are very attractive, starting at only 8.45% per annum
Loan Amount	Home loan applicants can obtain up to 90% of the property’s value as a home loan
Loan Tenure	Salaried employees have the option to repay the loan over a 30-year period, while self-employed professionals and non-professionals can repay the loan over a 20-year period.
Features	Quality service Complete Transparency Quick loan processing

75 Lakhs IDBI Bank Home Loan EMI For 5 Years

Check the applicable EMI on your 75 Lakhs home loan at a minimum interest rate of 8.45% per anum over a tenure of 5 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹75 Lakhs	8.45% p.a.	5 years	₹1,53,693	₹17,21,599	₹92,21,599

75 Lakhs IDBI Bank Home Loan EMI For 10 Years

Calculate the EMI for your 75 Lakhs home loan at a minimum interest rate of 8.45% annually if availed at a loan tenure of 10 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹75 Lakhs	8.45% p.a.	10 years	₹92,789	₹36,34,659	₹1,11,34,659

75 Lakhs IDBI Bank Home Loan EMI For 15 Years

If you avail an IDBI Bank home loan worth 75 lakhs, the following will be your applicable EMI over the tenure of 15 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹75 Lakhs	8.45% p.a.	15 years	₹73,636	₹57,54,447	₹1,32,54,447

75 Lakhs IDBI Bank Home Loan EMI For 20 Years

Over a tenure of 20 years, the following EMI will have to be paid if availed of an IDBI Bank 75 Lakhs home loan:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹75 Lakhs	8.45% p.a.	20 years	₹64,850	₹80,63,903	₹1,55,63,903

75 Lakhs IDBI Bank Home Loan EMI For 25 Years

Calculate the EMI for your 75 Lakhs home loan with a minimum interest rate of 8.45% per annum over a 25-year tenure.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹75 Lakhs	8.45% p.a.	25 years	₹60,140	₹1,05,41,859	₹1,80,41,859

75 Lakhs IDBI Bank Home Loan – Fees & Charges

Here are the fees and charges for obtaining a 75 lakhs home loan from IDBI Bank:

Processing Fee: Between Rs 5,000 to Rs 16,000
Inward Balance Transfers: No charge

75 Lakhs IDBI Bank Home Loan – Documents Required

It is important to have the following documents if you wish to apply for an IDBI Bank 75 Lakhs home loan:

Applicant form with your photograph pasted on it
Identity proof in the form of Aadhar Card, PAN Card, Driving License, etc
Residential proof
Previous months’ bank statements to prove income source

75 Lakhs IDBI Bank Home Loan – Eligibility Criteria

The eligibility criteria that an applicant must meet to apply for the 75 Lakhs IDBI Bank home loan are as follows:

Eligible Age For Salaried Employees:

Minimum age to apply: 22 years
Maximum age at loan maturity: 70 years or retirement age

Eligible Age for Self-employed Professionals and Non-professionals:

Minimum age to apply: 25 years

Maximum age at loan maturity: 65 years or retirement age

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Frequently Asked Questions (FAQs)

What is the EMI For 75 Lakhs IDBI Bank home loan over a tenure of 20 years?

₹64,850 is the applicable EMI on the 75 lakhs IDBI Bank home loan over a 20-year tenure.

Who is eligible for the 75 lakhs IDBI Bank home loan?

Salaried applicants above 22 and self-employed professionals & non-professionals over 25 are eligible to apply for the 75 lakhs IDBI Bank home loan.

What is the monthly interest rate of 75 lakhs for an IDBI Bank home loan?

IDBI Bank will charge a minimum monthly interest rate of 0.70% on a ₹75 lakhs home loan.