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

The idfc first bank vs hdfc bank home loan comparison: IDFC FIRST Bank (900+ branches, top-rated banking app, Private) offers IDFC FIRST Home Loan and FIRST Power Home Loan; 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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Which banks saves you more?

idfc first bank vs hdfc bank: IDFC FIRST Bank offers IDFC FIRST Home Loan and FIRST Power Home Loan with mobile-first paperless sanction and monthly reducing balance EMI. HDFC Bank offers HDFC Home Loan, HDFC Reach and HDFC Top-Up with digital sanction with doorstep pickup. Related search: hdfc vs idfc bank. Choice depends on borrower profile, scheme fit and network reach.
IDFC First Bank
IDFC First Bank
Home Loan
Ambak Recommended
HDFC Bank
HDFC Bank
Home Loan
vs
Home loan comparison between IDFC First Bank and HDFC Bank
MetricIDFC First BankHDFC Bank
Interest Rate
7.8% – 9%
7.2% – 9.5%
Interest Rate
7.8% – 9%
7.2% – 9.5%
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
0.25% of loan amt. + GST (incld. Login Fee)
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
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
₹3000000 Cr
₹3000000 Cr
Max Loan Amount
₹3000000 Cr
₹3000000 Cr
Min Loan Amount
₹20000 Cr
₹5000 Cr
Min Loan Amount
₹20000 Cr
₹5000 Cr
EMI per Lakh
₹825
₹788
EMI per Lakh
₹825
₹788

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.

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.

EMI Calculate IDFC First Bank vs HDFC Bank

Home Loan EMI
1.0 Cr
₹5L₹5Cr
20 Years
030
Ambak Recommended
HDFC Bank
HDFC Bank
7.2%
EMI
₹ 78,735
Interest
₹ 88,96,400
Total
₹ 1,88,96,400
Your Total Savings
₹ 8,80,560
IDFC First Bank
IDFC First Bank
7.8%
EMI
₹ 82,404
Interest
₹ 88,96,400
Total
₹ 1,97,76,960

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 HDFC Bank's 7.2%
  • •Monthly EMI of ₹825/lakh is ₹37 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)
LikeWhat people like
  • •Interest starts at 7.2% — that's cheaper than IDFC First Bank's 7.8%
  • •You pay only ₹788/lakh per month — ₹37 less than IDFC First 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
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 IDFC First Bank with other banks

Compare HDFC Bank with other banks

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 HDFC Bank's 7.2%
  • •Monthly EMI of ₹825/lakh is ₹37 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)
LikeWhat people like
  • •Interest starts at 7.2% — that's cheaper than IDFC First Bank's 7.8%
  • •You pay only ₹788/lakh per month — ₹37 less than IDFC First 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
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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