Bank of Maharashtra
Central bank of India
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Loan Amount
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Idbi Bank Home Loan vs HDFC Bank Home Loan Home Loan Comparison | Ambak
The idbi bank vs hdfc bank home loan comparison: IDBI Bank (1,900+ branches since 1964, Private) offers IDBI Home Loan Interest Saver and Reverse Mortgage; HDFC Bank (8,000+ branches post HDFC merger, Private) offers HDFC Home Loan, HDFC Reach and HDFC Top-Up. Differences lie in schemes, eligibility, digital experience and customer segments.
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idbi bank vs hdfc bank: IDBI Bank offers IDBI Home Loan Interest Saver and Reverse Mortgage with OD-linked Interest Saver variant and Reverse Mortgage for senior citizens. HDFC Bank offers HDFC Home Loan, HDFC Reach and HDFC Top-Up with digital sanction with doorstep pickup. Related search: None. Choice depends on borrower profile, scheme fit and network reach.
IDBI Bank
Home Loan
Ambak Recommended
HDFC Bank
Home Loan
| Metric | IDBI Bank | HDFC Bank |
|---|---|---|
 Interest Rate | ||
7.35% – 10.05% 7.2% – 9.5% | ||
 Interest Rate | 7.35% – 10.05% | 7.2% – 9.5% |
 Processing Fee | ||
Rs. 15,000 + GST 0.25% of loan amt. + GST (incld. Login Fee) | ||
 Processing Fee | Rs. 15,000 + GST | 0.25% of loan amt. + GST (incld. Login Fee) |
 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 ₹5000 Cr | ||
 Min Loan Amount | ₹5000 Cr | ₹5000 Cr |
 EMI per Lakh | ||
₹797 ₹788 | ||
 EMI per Lakh | ₹797 | ₹788 |
Why Choose IDBI Bank Home Loan
IDBI Bank is a Private lender with 1,900+ branches since 1964. Variants include IDBI Home Loan Interest Saver and Reverse Mortgage, designed for salaried, senior citizens and balance-transfer borrowers. Key features include OD-linked Interest Saver variant, Reverse Mortgage for senior citizens and balance transfer with top-up. IDBI Bank suits borrowers looking for reverse mortgage and OD-linked products.
- 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 HDFC Bank Home Loan
HDFC Bank is a Private lender with 8,000+ branches post HDFC merger. Variants include HDFC Home Loan, HDFC Reach and HDFC Top-Up, designed for salaried, self-employed and NRI applicants. Key features include digital sanction with doorstep pickup, balance transfer with top-up and RM for high-ticket files. HDFC Bank suits borrowers looking for established home loan service with quick sanction.
- 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.
IDBI Bank Reviews
3.8 / 5(10 reviews)
What 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
What people don't like- •Interest rate of 7.35% is slightly higher than HDFC Bank's 7.2%
- •Monthly EMI of ₹797/lakh is ₹9 more than HDFC 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.
HDFC Bank Reviews
4.3 / 5(10 reviews)
What people like- •Interest starts at 7.2% — that's cheaper than IDBI Bank's 7.35%
- •You pay only ₹788/lakh per month — ₹9 less than IDBI 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: 0.25% of loan amt. + GST (incld. Login Fee)
- •Simple paperwork — fewer documents needed compared to most banks
What 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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