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Personal, home, vehicle & other loans

Ind Mortgage

Property-backed finance for personal, household, medical, education and other bankable purposes, secured by an equitable mortgage of eligible immovable property.

Interest rateFloating rate: Ind Mortgage term loan 8.95%–10.35% p.a. up to ₹7.50 crore and 9.00%–10.85% above ₹7.50 crore; overdraft 9.95%–11.60% p.a., per Indian Bank's current table dated 14 August 2026.Maximum amount₹5 lakh minimum and proposals up to ₹25 crore (₹2,500 lakh). Proposals above ₹25 crore are considered by the corporate-office committee within delegated powers.Repayment tenureNormally up to 84 months with no holiday period; may be extended to 180 months for specified salaried employers or Tier I/II property locations, subject to ZLCC approval and the page's account-routing conditions.
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Quick eligibility check

Ind Mortgage

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you this type of customer: Salaried applicants need at least three completed years of service?

Published source: Minimum income

2Does your annual income meet this requirement: other individuals and businesses are assessed on income level and cash flow?

Published source: Minimum income

3Do you meet this requirement: pensioners must draw pension through an Indian Bank branch?

Published source: Minimum income

4Are you this type of customer: Permanent salaried employees with three years' service?

Published source: Eligibility

5Does your annual income meet this requirement: self-employed professionals, traders, businessmen, sole proprietors, firms and companies based on income/cash flow?

Published source: Eligibility

6Document checkDo you have this required document or proof: Application and photographs?

Published source: Eligibility

7Document checkDo you have at least one of these required documents: Identity/address and income or cash-flow proof?

Published source: Eligibility

8Document checkDo you have this required document or proof: Property title, valuation, tax and encumbrance documents?

Published source: Eligibility

9Document checkDo you have this required document or proof: Insurance policy and mortgage/CERSAI documentation?

Published source: Eligibility
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Offered byIndian Bank

India; end-use and conditions apply

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Loan typeProperty-backed mortgage loan (loan against property).View source
The official product is secured by equitable mortgage of the property offered as security.
Source
Ind Mortgage — Indian Bank
Page / section
Title; Security
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Interest rateFloating rate: Ind Mortgage term loan 8.95%–10.35% p.a. up to ₹7.50 crore and 9.00%–10.85% above ₹7.50 crore; overdraft 9.95%–11.60% p.a., per Indian Bank's current table dated 14 August 2026.View source
The current mortgage rows publish separate term-loan amount bands and overdraft range.
Source
Interest Rates on Personal Segment Loan Products: Floating — Indian Bank
Page / section
Ind Mortgage (Term Loan); Ind Mortgage (Overdraft)
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
BenchmarkThe current Ind Mortgage rate rows are labelled floating but do not identify a named benchmark or spread.View source
The official rate table publishes floating ranges without naming a benchmark.
Source
Indian Bank Ind Mortgage rate review
Page / section
Ind Mortgage Loan rows
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
APRNo separate APR percentage or APR calculation is published on the Ind Mortgage page or current floating-rate table.View source
The reviewed sources publish floating rates but no calculation.
Source
Ind Mortgage review
Page / section
Rate of Interest; complete product table
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo rupee minimum-income amount is published. Salaried applicants need at least three completed years of service; other individuals and businesses are assessed on income level and cash flow; pensioners must draw pension through an Indian Bank branch.View source
The official eligibility table publishes service and income-assessment rules without a universal salary floor.
Source
Ind Mortgage — Indian Bank
Page / section
Eligibility
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Maximum amount₹5 lakh minimum and proposals up to ₹25 crore (₹2,500 lakh). Proposals above ₹25 crore are considered by the corporate-office committee within delegated powers.View source
The quantum section gives ₹5 lakh minimum and proposals up to ₹2,500 lakh, with higher proposals subject to committee powers.
Source
Ind Mortgage — Indian Bank
Page / section
Quantum of Loan
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Repayment tenureNormally up to 84 months with no holiday period; may be extended to 180 months for specified salaried employers or Tier I/II property locations, subject to ZLCC approval and the page's account-routing conditions.View source
The repayment section publishes 84 months and conditional extension to 180 months.
Source
Ind Mortgage — Indian Bank
Page / section
Repayment
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Processing fee1% of the loan amount under the current Ind Mortgage Scheme charge schedule; GST is recovered separately.View source
The current fee schedule lists 1.00% on the loan amount for Ind Mortgage Scheme.
Source
Processing Fee on Personal Segment Loan Products — Indian Bank
Page / section
Ind Mortgage Scheme
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureTerm loan: nil for individuals and 2% of balance outstanding for non-individuals. Overdraft: 2% of balance outstanding irrespective of borrower type.View source
The current charge table distinguishes term-loan individual, non-individual and charges.
Source
Indian Bank retail asset service-charge schedule
Page / section
Rent Encash / Ind Mortgage Scheme — Prepayment charges
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
EligibilityPermanent salaried employees with three years' service; self-employed professionals, traders, businessmen, sole proprietors, firms and companies based on income/cash flow; pensioners receiving pension through Indian Bank; and eligible NRIs for permitted bankable purposes. Minimum entry age is 18; exit age is 60 for salaried applicants and 70 for other individuals.View source
The official eligibility table lists applicant groups, service, and age conditions.
Source
Ind Mortgage — Indian Bank
Page / section
Eligibility; Age criteria
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsPermanent salaried employees with three years' service; self-employed professionals, traders, businessmen, sole proprietors, firms and companies based on income/cash flow; pensioners receiving pension through Indian Bank; and eligible NRIs for permitted bankable purposes. Minimum entry age is 18; exit age is 60 for salaried applicants and 70 for other individuals.View source
The manually reviewed product record states: “Permanent salaried employees with three years' service; self-employed professionals, traders, businessmen, sole proprietors, firms and companies based on income/cash flow; pensioners receiving pension through Indian Bank; and eligible for permitted bankable purposes. Minimum entry age is 18; exit age is 60 for salaried applicants and 70 for other individuals.”.
Source
Ind Mortgage — official product page
Page / section
Published product metadata
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • ₹5 lakh minimum and proposals up to ₹25 crore; larger proposals go to the corporate-office committee within delegated powers
  • 40% margin in Tier I/II cities and 50% elsewhere
  • Term-loan repayment normally up to 84 months, extendable to 180 months in stated cases
  • Permitted purposes include repairs, renovation, marriage, education, household functions and medical needs

Eligibility

  • Salaried applicants need at least three completed years of service; other individuals are assessed on income and cash flow; pensioners must draw pension through an Indian Bank branch.
  • Agricultural, disputed or income-tax-attached property and property leased to specified social-sector institutions are excluded.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Application and photographs
  • Identity/address and income or cash-flow proof
  • Property title, valuation, tax and encumbrance documents
  • Insurance policy and mortgage/CERSAI documentation

Related official documents

Ind Mortgage — Indian Bank official product pageofficial-product-page · current · accessed 31 Aug 2026
↗
Processing Fee on Personal Segment Loan Products — Indian Bankofficial-fee-schedule · current · accessed 31 Aug 2026
↗
Interest Rates on Personal Segment Loan Products: Floating — Indian Bankofficial-rate-table · current · accessed 31 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Eligibility · Published detailSalaried employees with three years' service; professionals/businesses based on income/cash flow; pensioners drawing through Indian Bank; eligible .

This value is copied from Ind Mortgage — published terms. Check the table notes before relying on it.

Source: Ind Mortgage — Indian Bank · Complete loan criteria table and current rate/fee schedules Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 10 rows · 2 columnsInd Mortgage — published termsCurrent Indian Bank property-backed mortgage eligibility, quantum, margin, rates, repayment and charges.View tableHide table

Scroll sideways to view every column

Ind Mortgage — published terms
ParameterPublished detail
EligibilitySalaried employees with three years' service; professionals/businesses based on income/cash flow; pensioners drawing through Indian Bank; eligible .
PurposeRepairs, renovation, marriage, education, household functions, medical and any other bankable non-speculative purpose.
Quantum₹5 lakh minimum; proposals up to ₹25 crore; higher proposals subject to corporate-office committee powers.
Margin40% of realisable sale value in Tier I/II cities; 50% elsewhere.
RateTerm loan 8.95%–10.35% up to ₹7.50 crore and 9.00%–10.85% above; overdraft 9.95%–11.60% floating.
RepaymentUp to 84 months; conditional extension to 180 months; no holiday period.
Processing fee1% of loan amount; extra.
PrepaymentTerm individuals nil; term non-individuals 2% outstanding; 2% outstanding.
SecurityEquitable mortgage, registration where required, CERSAI at applicant cost; agricultural/disputed/income-tax-attached property excluded.
InsuranceMortgaged property insured at borrower cost for fire, flood, earthquake, riot and other normal risks for the loan period.
Ind Mortgage — Indian Bank · Complete loan criteria table and current rate/fee schedules · accessed 31 Aug 2026Open official source ↗

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