IDBI Bank has different eligibility criteria for salaried and self-employed individuals when it comes to home loans. Here's a summary for both categories:

Salaried Individuals:

• Minimum age: 22 years

• Maximum age at loan maturity: 70 years or retirement age, whichever is earlier

• Minimum net monthly income:Rs. 15,000 for loans up to Rs. 30 lakh
  Rs. 20,000 for loans above Rs. 30 lakh
  

• Employment stability: Minimum 2 years of continuous employment with current employer

Self-Employed Individuals (Professionals & Non-Professionals):

• Minimum age: 25 years

• Maximum age at loan maturity: 65 years or retirement age, whichever is earlier

• Minimum annual income:Rs. 6 lakh for professionals
  Rs. 5 lakh for non-professionals
  

• Business stability: Minimum 3 years of profitable business existence with audited financials

Additional factors impacting eligibility for all applicants:

• Credit score: A good credit score (ideally above 750) is essential for securing a loan with favorable interest rates.

• Debt-to-Income (DTI) ratio: Ideally, your DTI ratio should be below 50%. This means your monthly loan EMIs should not exceed 50% of your net monthly income.

• Property details: The loan amount will depend on the value of the property you are purchasing. IDBI Bank typically offers loans for up to 90% of the property value.