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Au Small Finance Bank Home Loan vs Idfc Home Loan Home Loan Comparison | Ambak

The au small finance bank vs idfc first bank home loan comparison: AU Small Finance Bank (2,400+ touchpoints across India, SFB) offers AU Bhavishya Home Loan; IDFC FIRST Bank (900+ branches, top-rated banking app, Private) offers IDFC FIRST Home Loan and FIRST Power Home Loan. Differences lie in schemes, eligibility, digital experience and customer segments.
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Which banks saves you more?

au small finance bank vs idfc first bank: AU Small Finance Bank offers AU Bhavishya Home Loan with semi-urban and tier-2/3 reach and AU 0101 digital platform. IDFC FIRST Bank offers IDFC FIRST Home Loan and FIRST Power Home Loan with mobile-first paperless sanction. Related search: idfc first bank vs au small finance bank. Choice depends on borrower profile, scheme fit and network reach.
AU Small Finance Bank
AU Small Finance Bank
Home Loan
Ambak Recommended
IDFC First Bank
IDFC First Bank
Home Loan
vs
Home loan comparison between AU Small Finance Bank and IDFC First Bank
MetricAU Small Finance BankIDFC First Bank
Interest Rate
10% – 13%
7.8% – 9%
Interest Rate
10% – 13%
7.8% – 9%
Processing Fee
Rs. 15,000 + GST
Below Rs.1 Cr: 1%; Rs.1-3 Cr: 0.75%; Rs.3-5 Cr: 0.65%; Rs.5Cr Above: 0.5% of loan amt + GST
Processing Fee
Rs. 15,000 + GST
Below Rs.1 Cr: 1%; Rs.1-3 Cr: 0.75%; Rs.3-5 Cr: 0.65%; Rs.5Cr Above: 0.5% of loan amt + GST
Max LTV
Up to 90%
Up to 90%
Max LTV
Up to 90%
Up to 90%
Max Loan Amount
₹2000000 Cr
₹3000000 Cr
Max Loan Amount
₹2000000 Cr
₹3000000 Cr
Min Loan Amount
₹5000 Cr
₹20000 Cr
Min Loan Amount
₹5000 Cr
₹20000 Cr
EMI per Lakh
₹966
₹825
EMI per Lakh
₹966
₹825

Why Choose AU Small Finance Bank Home Loan

AU Small Finance Bank is a SFB lender with 2,400+ touchpoints across India. Variants include AU Bhavishya Home Loan, designed for salaried, self-employed and semi-urban buyers. Key features include semi-urban and tier-2/3 reach, AU 0101 digital platform and self-employed underwriting. AU Small Finance Bank suits borrowers looking for SFB with semi-urban distribution.
  • Lower rates on average. Get access to better-than-advertised rates—typically lower depending on your profile and eligibility.
  • Balance transfer made simple. One form, we fetch offers from 70+ lenders and compute net savings after fees.
  • Human advisors. Complex cases (self-employed, NRI, under-construction) get an expert, not a chatbot.

Why Choose IDFC First Bank Home Loan

IDFC FIRST Bank is a Private lender with 900+ branches, top-rated banking app. Variants include IDFC FIRST Home Loan and FIRST Power Home Loan, designed for salaried, self-employed and digital-native borrowers. Key features include mobile-first paperless sanction, monthly reducing balance EMI and transparent fee structure. IDFC FIRST Bank suits borrowers looking for fully digital, mobile-first home loan flow.
  • Lower rates on average. Get access to better-than-advertised rates—typically lower depending on your profile and eligibility.
  • Balance transfer made simple. One form, we fetch offers from 70+ lenders and compute net savings after fees.
  • Human advisors. Complex cases (self-employed, NRI, under-construction) get an expert, not a chatbot.

EMI Calculate AU Small Finance Bank vs IDFC First Bank

Home Loan EMI
1.0 Cr
₹5L₹5Cr
20 Years
030
Ambak Recommended
IDFC First Bank
IDFC First Bank
7.8%
EMI
₹ 82,404
Interest
₹ 97,76,960
Total
₹ 1,97,76,960
Your Total Savings
₹ 33,83,520
AU Small Finance Bank
AU Small Finance Bank
10%
EMI
₹ 96,502
Interest
₹ 97,76,960
Total
₹ 2,31,60,480

AU Small Finance Bank Reviews

3.8 / 5(10 reviews)
LikeWhat people like
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •Loans available up to ₹20 Cr
  • •Processing fee: Rs. 15,000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
  • •Repay over up to 30 years to keep your monthly outgo low
  • •Can transfer your existing home loan here to save on interest
DislikeWhat people don't like
  • •Interest rate of 10% is slightly higher than IDFC First Bank's 7.8%
  • •Monthly EMI of ₹966/lakh is ₹141 more than IDFC First Bank
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns

Reviews summarised from buyer forums and listings; personal site visit recommended.

IDFC First Bank Reviews

4.3 / 5(10 reviews)
LikeWhat people like
  • •Interest starts at 7.8% — that's cheaper than AU Small Finance Bank's 10%
  • •You pay only ₹825/lakh per month — ₹141 less than AU Small Finance Bank
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: Below Rs.1 Cr: 1%; Rs.1-3 Cr: 0.75%; Rs.3-5 Cr: 0.65%; Rs.5Cr Above: 0.5% of loan amt + GST
  • •Simple paperwork — fewer documents needed compared to most banks
DislikeWhat people don't like
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns
  • •Prepayment charges can apply if you have a fixed interest rate
  • •High-value loans require detailed income proof

Reviews summarised from buyer forums and listings; personal site visit recommended.

Compare AU Small Finance Bank with other banks

Compare IDFC First Bank with other banks

AU Small Finance Bank Reviews

3.8 / 5(10 reviews)
LikeWhat people like
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •Loans available up to ₹20 Cr
  • •Processing fee: Rs. 15,000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
  • •Repay over up to 30 years to keep your monthly outgo low
  • •Can transfer your existing home loan here to save on interest
DislikeWhat people don't like
  • •Interest rate of 10% is slightly higher than IDFC First Bank's 7.8%
  • •Monthly EMI of ₹966/lakh is ₹141 more than IDFC First Bank
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns

Reviews summarised from buyer forums and listings; personal site visit recommended.

IDFC First Bank Reviews

4.3 / 5(10 reviews)
LikeWhat people like
  • •Interest starts at 7.8% — that's cheaper than AU Small Finance Bank's 10%
  • •You pay only ₹825/lakh per month — ₹141 less than AU Small Finance Bank
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: Below Rs.1 Cr: 1%; Rs.1-3 Cr: 0.75%; Rs.3-5 Cr: 0.65%; Rs.5Cr Above: 0.5% of loan amt + GST
  • •Simple paperwork — fewer documents needed compared to most banks
DislikeWhat people don't like
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns
  • •Prepayment charges can apply if you have a fixed interest rate
  • •High-value loans require detailed income proof

Reviews summarised from buyer forums and listings; personal site visit recommended.

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