IDFC FIRST Bank Loan Against Property
New-generation private bank — digital-first journeys, flexible prepayment terms and competitive NBFC-style approval appetite with bank pricing.
★ Appetite for mixed-use and commercial properties.
IDFC FIRST Loan Against Property at a glance
- Interest rate
- 9.95% – 12% p.a.
- Processing fee
- Up to 1.5%
- Maximum amount
- ₹7 Cr
- Tenure
- Up to 20 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 loan against property offer
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IDFC FIRST vs other lenders on loan against property
| Lender | Interest rate | Processing fee | Max amount | |
|---|---|---|---|---|
| HDFC Bank | 9.50% – 11% p.a. | Up to 1% | ₹10 Cr | Apply → |
| State Bank of India | 10.00% – 11.30% p.a. | 1% (capped) | ₹7.5 Cr | Apply → |
| ICICI Bank | 9.75% – 11.50% p.a. | Up to 1% | ₹10 Cr | Apply → |
| Axis Bank | 9.90% – 11.75% p.a. | Up to 1% | ₹5 Cr+ | Apply → |
| Kotak Mahindra Bank | 9.60% – 11.25% p.a. | Up to 1% | ₹7.5 Cr | Apply → |
| Punjab National Bank | 10.10% – 12% p.a. | 0.75% – 1% | ₹5 Cr | Apply → |
| Bank of Baroda | 9.85% – 11.60% p.a. | Up to 1% | ₹5 Cr | Apply → |
| IDFC FIRST Bank | 9.95% – 12% p.a. | Up to 1.5% | ₹7 Cr | Apply → |
| Tata Capital | 10.10% – 13% p.a. | Up to 1.25% | ₹5 Cr | Apply → |
| Bajaj Finserv | 9.85% – 14% p.a. | Up to 1.18% | ₹15 Cr (via BHFL) | Apply → |
Eligibility
- Age
- 21 – 70 years
- Property
- Residential / commercial / industrial, clear title
- Income
- Sufficient to service EMI (salaried or business)
- Credit score
- 650+ recommended
Documents required
- PAN and Aadhaar
- Income proof (ITR / salary slips)
- Complete property document chain
- Last 6 months' bank statements
IDFC FIRST Bank Loan Against Property FAQs
What is the IDFC FIRST Bank loan against property interest rate?
IDFC FIRST Bank loan against property rates currently run 9.95% – 12% p.a. depending on your credit score, income profile and loan amount. The processing fee is Up to 1.5%. Rates are revised periodically — QCred confirms the live rate for your profile before you apply.
How much loan against property can I get from IDFC FIRST Bank?
Up to ₹7 Cr, subject to your repayment capacity (lenders cap total EMIs near half your net income) with tenures of Up to 20 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.