IDBI bank offers home loan up to Rs. 10000000 and the amount funded is up to 85% of the property value. If you take home loan within Rs. 75 Lakhs then the interest rate will be 13.25% (period of 3 years) and 13.50% (period of 5 years). If your loan is more than Rs. 75 Lakhs then the interest rate will be 13.75% (period of 3 years) and 14.00% (period of 5 years). You have to pay 1% as the processing fee and Rs. 300 in case of cheque bounce.