Feel the Joy of your Own Home
Home is where your dreams begin. And then from marriage, to children and even after retirement, your home is the shelter to every phase of your life. That is why we bring you IDLC Home Loan, to give you the confidence of your own space, and let your children’s freedom touch the sky.


  • Repayment through EMI
  • Conversion Facility from Fixed Interest Rate o Variable Interest Rate
  • Early Payment option in full or part
  • Tri-Party Agreement Facility with a good Number of Developers
  • Customized solutions as per your needs
  • No Hidden Charges

How can I use this loan?

You can use this loan to purchase an apartment or house

What is the term of this Loan?

Residential Purpose:

Interest Rate Maximum Term Maximum Age
Fixed 25 years 65 years
Variable 20 years 65 years

Am I Eligible?

You are eligible for our Home Loan facility if you are:

  • 25 years and above of age, but not more than 65 years
  • Earning on a regular basis from a sustainable source of employment or business
  • Your property is located where IDLC has its branches or booths

How much loan can I take?

Home Loan amount depends on your repayment capability. A number of factors such as your monthly net disposable income, age, qualifications, value of the immovable property, number of family members and dependents, monthly expense, other fixed obligations, nature of job/business, savings habits etc. are taken into consideration.

  • Upto 85% of the acquisition cost/construction cost/assessed value of the apartment or residential house
Apply now > Required Documents >