Bank of Maharashtra
Central bank of India
Interest Rate
7.1% – 9.25% p.a.
Loan Amount
Up to 90%
Interest Rate
7.2% – 8.7% p.a.
Loan Amount
Up to 90%
Idfc Home Loan vs Icici Bank Home Loans Home Loan Comparison | Ambak
Compare Idfc Home Loan vs Icici Bank Home Loans 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.
Better Interest Rates & SavingsRight Features for Your NeedsTransparency & Hidden ChargesGet Our Expert Advice
Quick Response • 0% commission
0% Commission • Free Service • Expert Guidance
We don't spam!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.
IDFC First Bank
Home Loan
Ambak Recommended
ICICI Bank
Home Loan
| Metric | IDFC First Bank | ICICI Bank |
|---|---|---|
 Interest Rate | ||
7.8% – 9% 7.5% – 9.5% | ||
 Interest Rate | 7.8% – 9% | 7.5% – 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 5,000 + GST | ||
 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 | 5,000 + GST |
 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 ₹20000 Cr | ||
 Min Loan Amount | ₹20000 Cr | ₹20000 Cr |
 EMI per Lakh | ||
₹825 ₹806 | ||
 EMI per Lakh | ₹825 | ₹806 |
Why Choose IDFC First Bank Home Loan
When evaluating a IDFC First 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 ICICI Bank Home Loan
When evaluating a ICICI 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.
IDFC First 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
- •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
What people don't like- •Interest rate of 7.8% is slightly higher than ICICI Bank's 7.5%
- •Monthly EMI of ₹825/lakh is ₹19 more than ICICI 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.
ICICI Bank Reviews
4.3 / 5(10 reviews)
What people like- •Interest starts at 7.5% — that's cheaper than IDFC First Bank's 7.8%
- •You pay only ₹806/lakh per month — ₹19 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: 5,000 + GST
- •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.
Explore More Bank Comparisons
Union bank of India
State Bank of India
Interest Rate
7.1% – 10% p.a.
Loan Amount
Up to 90%
Interest Rate
7.25% – 9.5% p.a.
Loan Amount
Up to 90%
Punjab National Bank
HDFC Bank
Interest Rate
7.25% – 9.35% p.a.
Loan Amount
Up to 90%
Interest Rate
7.2% – 9.5% p.a.
Loan Amount
Up to 90%
Bajaj Housing Finance
Bank of Baroda
Interest Rate
7.2% – 9.5% p.a.
Loan Amount
Up to 90%
Interest Rate
7.3% – 9.5% p.a.
Loan Amount
Up to 90%
UCO Bank
IDBI Bank
Interest Rate
7.15% – 9.25% p.a.
Loan Amount
Up to 90%
Interest Rate
7.35% – 10.05% p.a.
Loan Amount
Up to 90%
L&T Housing Finance
Kotak Bank
Interest Rate
7.8% – 9.5% p.a.
Loan Amount
Up to 90%
Interest Rate
7.7% – 9.7% p.a.
Loan Amount
Up to 90%
Induslnd Bank
IIFL
Interest Rate
8.6% – 10.55% p.a.
Loan Amount
Up to 90%
Interest Rate
8.6% – 12% p.a.
Loan Amount
Up to 90%
Easy Home Finance
Hero Housing Finance
Interest Rate
10.5% – 15% p.a.
Loan Amount
Up to 85%
Interest Rate
9.5% – 18% p.a.
Loan Amount
Up to 90%
Lower interest rates than your pre-approved offer?
It's more likely than you think. Find the best offer by comparing.
