IDFC FIRST Bank Home Loan
New-generation private bank — digital-first journeys, flexible prepayment terms and competitive NBFC-style approval appetite with bank pricing.
★ Fast digital sanction; friendly to self-employed profiles.
IDFC FIRST Home Loan at a glance
- Interest rate
- 8.85% – 10% p.a.
- Processing fee
- Up to 1%
- Maximum amount
- ₹5 Cr
- Tenure
- Up to 30 years
Indicative as compiled by QCred; the lender's live schedule prevails. Your rate depends on credit score, income and loan size.
Check your IDFC FIRST home loan offer
It takes 2 minutes. This will not affect your credit score.
IDFC FIRST vs other lenders on home loan
| Lender | Interest rate | Processing fee | Max amount | |
|---|---|---|---|---|
| HDFC Bank | 8.60% – 9.50% p.a. | 0.50% or ₹3,300 min | ₹10 Cr+ | Apply → |
| State Bank of India | 8.50% – 9.45% p.a. | 0.35% (often waived in campaigns) | No formal cap (eligibility-based) | Apply → |
| ICICI Bank | 8.65% – 9.85% p.a. | 0.50% – 2% | ₹10 Cr | Apply → |
| Axis Bank | 8.70% – 9.90% p.a. | Up to 1% (min ₹10,000) | ₹5 Cr+ | Apply → |
| Kotak Mahindra Bank | 8.70% – 9.60% p.a. | 0.5% + taxes | ₹10 Cr | Apply → |
| Punjab National Bank | 8.55% – 9.60% p.a. | 0.35% (frequently waived) | Eligibility-based | Apply → |
| Bank of Baroda | 8.55% – 9.80% p.a. | 0.25% – 0.50% | ₹20 Cr (location-based) | Apply → |
| IDFC FIRST Bank | 8.85% – 10% p.a. | Up to 1% | ₹5 Cr | Apply → |
| Tata Capital | 8.95% – 11% p.a. | Up to 1% | ₹5 Cr | Apply → |
| Bajaj Finserv | 8.50% – 12% p.a. (via BHFL) | Up to 1% | ₹15 Cr | Apply → |
Eligibility
- Age
- 21 – 65 years
- Employment
- Salaried or self-employed
- Minimum income
- ₹25,000 / month (varies by lender)
- Credit score
- 700+ recommended
- Work experience
- 2+ years (salaried) / 3+ years business vintage
Documents required
- PAN card and Aadhaar card
- Last 3 months' salary slips or 2 years' ITR
- Last 6 months' bank statements
- Property documents (agreement, chain of title)
- Passport-size photographs
IDFC FIRST Bank Home Loan FAQs
What is the IDFC FIRST Bank home loan interest rate?
IDFC FIRST Bank home loan rates currently run 8.85% – 10% p.a. depending on your credit score, income profile and loan amount. The processing fee is Up to 1%. Rates are revised periodically — QCred confirms the live rate for your profile before you apply.
How much home loan can I get from IDFC FIRST Bank?
Up to ₹5 Cr, subject to your repayment capacity (lenders cap total EMIs near half your net income) with tenures of Up to 30 years. Use our eligibility calculator for a quick estimate.
Should I apply to IDFC FIRST Bank directly or through QCred?
The rate and product are the same — but through QCred you see how IDFC FIRST's offer compares against other lenders for your exact profile before committing, and one advisor tracks your file to disbursal. Our service is free; lenders pay us on disbursal.