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Idbi Bank Home Loan vs Idfc Home Loan Home Loan Comparison | Ambak

The idbi bank vs idfc first bank home loan comparison: IDBI Bank (1,900+ branches since 1964, Private) offers IDBI Home Loan Interest Saver and Reverse Mortgage; 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?

idbi bank vs idfc first bank: IDBI Bank offers IDBI Home Loan Interest Saver and Reverse Mortgage with OD-linked Interest Saver variant and Reverse Mortgage for senior citizens. IDFC FIRST Bank offers IDFC FIRST Home Loan and FIRST Power Home Loan with mobile-first paperless sanction. Related search: idfc first bank vs idbi bank. Choice depends on borrower profile, scheme fit and network reach.
Ambak Recommended
IDBI Bank
IDBI Bank
Home Loan
IDFC First Bank
IDFC First Bank
Home Loan
vs
Home loan comparison between IDBI Bank and IDFC First Bank
MetricIDBI BankIDFC First Bank
Interest Rate
7.35% – 10.05%
7.8% – 9%
Interest Rate
7.35% – 10.05%
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
₹797
₹825
EMI per Lakh
₹797
₹825

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 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 IDBI Bank vs IDFC First Bank

Home Loan EMI
1.0 Cr
₹5L₹5Cr
20 Years
030
Ambak Recommended
IDBI Bank
IDBI Bank
7.35%
EMI
₹ 79,645
Interest
₹ 91,14,800
Total
₹ 1,91,14,800
Your Total Savings
₹ 6,62,160
IDFC First Bank
IDFC First Bank
7.8%
EMI
₹ 82,404
Interest
₹ 91,14,800
Total
₹ 1,97,76,960

IDBI Bank Reviews

4.3 / 5(10 reviews)
LikeWhat people like
  • •Interest starts at 7.35% — that's cheaper than IDFC First Bank's 7.8%
  • •You pay only ₹797/lakh per month — ₹28 less than IDFC First Bank
  • •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
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.

IDFC First 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
  • •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
  • •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 7.8% is slightly higher than IDBI Bank's 7.35%
  • •Monthly EMI of ₹825/lakh is ₹28 more than IDBI 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.

Compare IDBI Bank with other banks

Compare IDFC First Bank with other banks

IDBI Bank Reviews

4.3 / 5(10 reviews)
LikeWhat people like
  • •Interest starts at 7.35% — that's cheaper than IDFC First Bank's 7.8%
  • •You pay only ₹797/lakh per month — ₹28 less than IDFC First Bank
  • •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
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.

IDFC First 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
  • •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
  • •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 7.8% is slightly higher than IDBI Bank's 7.35%
  • •Monthly EMI of ₹825/lakh is ₹28 more than IDBI 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.

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