IDFC FIRST Bank Home Loan: Rates, Eligibility & Fees 2026
IDFC FIRST Bank offers home loans for purchase, construction, balance transfers, and top ups with long repayment tenures and digital support. Butter Money helps you compare relevant options and apply with straightforward, trusted guidance. Apply confidently.
Interest Rate
7.75%
p.a. onwards
Processing Fee
1.50%
+ GST
Max Tenure
32 Years
Max LTV
Up to 80%
Zero Hidden Charges
Transparent pricing you can trust
Fast Approval
Quick approvals with less paperwork
Loan Assistance
Expert guidance at every step
Exciting Cashbacks
Save more with exclusive offers
What stands out with IDFC FIRST Bank
- Tenure up to 32 years
- Home purchase financing
- Construction finance
- Balance transfer option
- Top-up facility
- Up to 32-year tenure
- Floating-rate option
IDFC FIRST Bank home loan at a glance
| Lender type | Private bank |
| Starting rate | 7.75% p.a. onwards |
| Products | Home loan |
| Funding (LTV) | Up to 80% of the property's value, within RBI's caps |
| Prepayment | Nil on floating-rate loans |
IDFC FIRST Bank Interest Rates
By product, CIBIL score & applicant type
Home loan
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| 800 and above | 7.75% onwards | 7.75% onwards |
| 750–799 | 7.75% onwards | 7.75% onwards |
| 700–749 | 7.75% onwards | 7.75% onwards |
| 650–699 | 7.75% onwards | 7.75% onwards |
Starting rates for each CIBIL band. Your final rate also depends on the loan amount, property and profile.
Fees & Charges
Popular IDFC FIRST Bank Schemes
Find the right IDFC FIRST Bank product for your needs
| Scheme Name | Best Suited For | Interest Rate |
|---|---|---|
| Home Loan | Home purchase or construction | 7.75% onwards |
| Balance Transfer | Existing home loan transfer | 7.75% onwards |
| Top-Up Loan | Additional funding | 8.75% onwards |
IDFC FIRST Bank vs Similar Lenders
Lenders with the closest rates
| Lender | Best Suited For | Interest Rate |
|---|---|---|
| IDFC FIRST Bank (this page) | Private bank | 7.75% onwards |
| HSBC Bank | Foreign bank | 7.45% onwards |
| IDBI Bank | Private bank | 7.35% onwards |
| Federal Bank | Private bank | 7.25% onwards |
IDFC FIRST Bank Home Loan EMI Calculator
Move the sliders to see how the loan amount, interest rate and tenure change your monthly EMI and total interest outgo at IDFC FIRST Bank's rates.
Illustrative calculation based on the selected rate. The rate defaults to 7.75% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.
A ₹50 lakh IDFC FIRST Bank home loan over 20 years at 7.75% costs ₹41,047 a month, or ₹48,51,383 in total interest. Every 0.25% higher adds about ₹775 a month.
IDFC FIRST Bank Home Loan FAQs
Can I prepay my IDFC FIRST Bank home loan without charges?
Yes, on a floating-rate home loan. RBI rules do not allow IDFC FIRST Bank to charge individual borrowers for part-prepayment or foreclosure of floating-rate home loans.
How much of the property value will IDFC FIRST Bank fund?
IDFC FIRST Bank funds up to 80% of the property's value, within RBI's caps (up to 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh). You pay the rest as your own contribution.
What is the starting interest rate for IDFC FIRST Bank Home Loan?
IDFC FIRST Bank Home Loan starts from 7.75% p.a.
What is the processing fee?
The processing fee is up to 1.50% of the sanctioned loan amount + GST.
What is the maximum home loan tenure?
Eligible borrowers can get a maximum tenure of 32 years.
What CIBIL score is preferred?
A higher credit score supports better pricing and eligibility.
What documents are required?
KYC, income and property documents are required as listed in the Documents tab.
Can I transfer my existing home loan to IDFC FIRST Bank?
Yes. Home loan balance transfer is available for eligible borrowers.
Final terms are set by IDFC FIRST Bank at sanction. Source: IDFC FIRST Bank.