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Idbi Bank Home Loan vs L T Housing Finance Home Loan Home Loan Comparison | Ambak

Compare Idbi Bank Home Loan vs L T Housing Finance Home Loan home loan offers side by side — including interest rates, EMI per lakh, processing fees, and LTV ratio. Make a smarter borrowing decision with Ambak's free comparison tool.
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Which banks saves you more?

Choosing the right bank isn’t just about the lowest interest rate but the total cost of your loan. Small differences in rates, fees, and charges can significantly impact your overall savings. The best choice is the bank that offers the highest value based on your profile, not just the lowest rate.
Ambak Recommended
IDBI Bank
IDBI Bank
Home Loan
L&T Housing Finance
L&T Housing Finance
Home Loan
vs
Home loan comparison between IDBI Bank and L&T Housing Finance
MetricIDBI BankL&T Housing Finance
Interest Rate
7.35% – 10.05%
7.8% – 9.5%
Interest Rate
7.35% – 10.05%
7.8% – 9.5%
Processing Fee
Rs. 15,000 + GST
10,000+GST (incld. login fee)
Processing Fee
Rs. 15,000 + GST
10,000+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
₹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

When evaluating a IDBI Bank home loan, weigh interest rates alongside processing fees, LTV limits and EMI flexibility. Our comparison tool puts every figure side-by-side so you can decide in minutes — not hours. Ambak aggregates live rates from 30+ RBI-regulated lenders, updated multiple times a day. We show the real rate you qualify for — not a marketing rate. Advisors can also walk you through balance-transfer math, step-up EMI options, and top-up eligibility so you never leave money on the table.

  • 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 L&T Housing Finance Home Loan

When evaluating a L&T Housing Finance home loan, weigh interest rates alongside processing fees, LTV limits and EMI flexibility. Our comparison tool puts every figure side-by-side so you can decide in minutes — not hours. Ambak aggregates live rates from 30+ RBI-regulated lenders, updated multiple times a day. We show the real rate you qualify for — not a marketing rate. Advisors can also walk you through balance-transfer math, step-up EMI options, and top-up eligibility so you never leave money on the table.

  • 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 L&T Housing Finance

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
L&T Housing Finance
L&T Housing Finance
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 L&T Housing Finance's 7.8%
  • •You pay only ₹797/lakh per month — ₹28 less than L&T Housing Finance
  • •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.

L&T Housing Finance 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: 10,000+GST (incld. login fee)
  • •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 L&T Housing Finance with other banks

IDBI Bank Reviews

4.3 / 5(10 reviews)
LikeWhat people like
  • •Interest starts at 7.35% — that's cheaper than L&T Housing Finance's 7.8%
  • •You pay only ₹797/lakh per month — ₹28 less than L&T Housing Finance
  • •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.

L&T Housing Finance 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: 10,000+GST (incld. login fee)
  • •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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