25 Lakh Indian Bank Home Loan

Home Loan By Property
Home Loan By Profession
Home Loan By Other
Home Loan By Scheme
Home Loan By Amount

Homeownership is a long-waiting dream for many people. It is a significant milestone in life, often representing security and a stable future. However, the cost of buying a house can be overwhelming. This is where the Indian Bank’s 25 lakhs home loan comes into the picture. The loan is recognised for its competitive interest rates, flexible repayment options, simple documentation, and quick fund disbursement. To make your homeownership aspiration come true, Urban Money presents a detailed overview of a 25 lakh home loan from the Indian Bank. We primarily cover the expected 25 lakhs home loan EMI in the Indian Bank, applicable interest rates, eligibility, documentation, and other associated fees. Let’s scroll down to learn more.

Get in Touch for Home Loan Expert Advice

Connect with our Home Loan Advisor Now!

Personalized Home Loan solutions
Expert guidance
Application assistance
Credit score discussion
Home Loan Interest rate comparison

Full Name

+91Mobile No.

Choose City

I agree to the Terms and Conditions of TUCIBIL and hereby provide explicit consent to share my Credit Information with Urban Money Private Limited.

Table of Content

1. 25 Lakh Home Loan Indian Bank Highlights

2. 25 Lakh Home Loan EMI for 5 Years Indian Bank

3. 25 Lakh Home Loan EMI for 10 Years Indian Bank

4. 25 Lakh Home Loan EMI for 15 Years Indian Bank

5. 25 Lakh Home Loan EMI for 20 Years Indian Bank

6. 25 Lakh Home Loan EMI for 25 Years Indian Bank

7. 25 Lakh Indian Bank Home Loan Fees and Charges

8. 25 Lakh Indian Bank Home Loan Documents Required

9. 25 Lakh Indian Bank Home Loan Eligibility Criteria

Written By

Hepson Franklin

Hepson Franklin is a seasoned financial expert and accomplished writer specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & loan products. With a wealth of experience in the financial industry, he has established himself as a trusted voice, providing invaluable insights and guidance to both seasoned investors and those new to the world of finance. With a comprehensive understanding of the intricate facets of the financial landscape, he is dedicated to demystifying complex financial concepts for readers of all backgrounds.

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.

25 Lakh Home Loan Indian Bank – Highlights

The Indian Bank’s home loan interest rate for 25 lakhs and other key features are as follows:

Interest Rates	8.40% to 9.80% per annum
Loan-To-Value (LTV) Ratio	90% of the property value
Loan Tenure	Up to 30 years
Eligibility	Salaried, self-employed, or pensioners

25 Lakh Home Loan EMI for 5 Years Indian Bank

Let’s examine the 25 lakhs home loan EMI in Indian Bank with a tenure of 5 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹25 Lakhs	8.40% p.a.	5 years	₹51,171	₹5,70,260	₹30,70,260

25 Lakh Home Loan EMI for 10 Years Indian Bank

Have a close look at the 25 lakhs home loan EMI for 10 years from the Indian Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹25 Lakhs	8.40% p.a.	10 years	₹30,863	₹12,03,560	₹37,03,560

25 Lakh Home Loan EMI for 15 Years Indian Bank

The Indian Bank’s home loan 25 lakhs EMI rates and amount for a tenure of 15 years are given below:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹25 Lakhs	8.40% p.a.	15 years	₹24,472	₹19,04,960	₹44,04,960

25 Lakh Home Loan EMI for 20 Years Indian Bank

Below mentioned are the 25 lakhs home loan EMI for 20 years from the Indian Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹25 Lakhs	8.40% p.a.	20 years	₹21,538	₹26,69,120	₹51,69,120

25 Lakh Home Loan EMI for 25 Years Indian Bank

Following are the 25 lakh home loan EMI in the Indian Bank for a tenure of 25 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹25 Lakh	8.40% p.a.	25 years	₹19,962	₹34,88,600	₹59,88,600

25 Lakh Indian Bank Home Loan – Fees and Charges

Beyond the Indian Bank’s home loan interest rate of 25 lakhs, there are certain fees and charges you should know:

Fee/Charge	Amount
Processing Fee	Nil
Prepayment Charges	Nil
Late Payment Panality	Applicable
Stamp Duty & Other Statutory Charges	At actual

25 Lakh Indian Bank Home Loan – Documents Required

Let’s examine the applicable documents for the Indian Bank‘s 25 lakhs home loan:

Identity Proof	Passport, Aadhaar card, PAN card, Voter ID, etc.
Address Proof	Utility Bills, Property Tax Receipt, Passport, Voter’s ID, etc.
Salary Proof	Last 3-month Salary Slips, 6-month Bank Statement, 1-year ITR, Form 16, etc.
Business Proof	Past 3-year ITR, Balance Sheet, and other financial statements to prove your business existence.
Additional Documents	Processing fee cheque, latest passport size coloured photos, and duly filled application form.

25 Lakh Indian Bank Home Loan – Eligibility Criteria

Below are the 25 lakhs home loan eligibility criteria in Indian Bank:

Age Requirement	You must be a minimum of 18 years old.
Employment Status	You must be a salaried, self-employed, or pensioner.
Work Experience	You must have at least 2 years of work experience or 3 years if you are self-employed.
Credit Score	You must have a good credit score, Preferably 700 or higher.
Nationality	You must be an Indian citizen, including NRI.

Frequently Asked Questions (FAQs)

What is the EMI for a 25 lakhs home loan for 20 years in Indian Bank?

₹21,538 is the estimated EMI for a 25 lakhs home loan over 20 years at Indian Bank, subject to an annual interest rate of 8.40%.

Who is eligible for a 25 lakhs home loan in Indian Bank?

To qualify for a ₹25 lakh home loan from Indian Bank, you must be either a salaried individual, a self-employed professional, or a pensioner.

What is the monthly interest rate of a 25 lakhs home loan in Indian Bank?

The monthly interest rate for a 25 lakhs home loan in Indian Bank starts at 0.7%.

Quick Links

Loan Offers By Indian Bank's

Indian Bank Personal Loan

Home Loan by Nationalized Bank

Home Loan Calculators

Indian Bank Calculators