IDFC FIRST Bank offers home loan interest rates starting from 8.85% p.a. onwards. However, the bank has not disclosed its differential interest rates depending on the credit score, job profile, loan amount, LTV ratio, etc.
IDFC FIRST Bank Home Loan Interest Rates
Lenders usually disclose their interest rate differentiation based on the loan amount, credit score, LTV ratio, job profile and type of home loan schemes offered to the applicants. However, IDFC FIRST Bank has not specified its differential interest rates. The lender offers home loans at floating interest rates that change with the change in the repo rate set by the RBI.
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Competitive Interest Rates
Starting 7.10% p.a.
Handpicked Home Loan Offers
Offers from 25+ Banks & HFCs
Dedicated Customer Support
Expert Assistance at Every Step
Transfer Balance & Get a Top-Up Easily
Additional Funds when Required

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Current Home Loan Interest Rates of IDFC FIRST Bank
IDFC FIRST Bank Home Loan Interest Rates v/s Other Lenders
| Name of Lender | Interest Rates |
|---|---|
| Axis Bank | 8.35% p.a. |
| Bajaj Housing Finance | 7.15% p.a. |
| Bank of India | 7.10% p.a. |
| Canara Bank | 7.15% p.a. |
| Easy Home Finance | 8.99% p.a. |
| Federal Bank | 8.75% p.a. |
| Godrej Housing Finance | 7.75% p.a. |
| HDFC Bank | 7.20%* p.a. |
| HDFC Sales Pvt. Ltd. | 7.20%* p.a. |
| Home First Finance | 8.00% p.a. |
| ICICI Bank | 7.65% p.a. |
| IDBI Bank | 7.35% p.a. |
| IDFC FIRST Bank | 8.85% p.a. |
| India Shelter Home Loan | 8.43% p.a. |
| Jio Housing Finance | 8.20% p.a. |
| L&T Finance Limited | 7.65%* p.a. |
| Piramal Capital Housing Finance | 9.99% p.a. |
| PNB Housing Finance | 7.70%* p.a. |
| Punjab & Sind Bank | 7.30% p.a. |
| Punjab National Bank | 7.20% p.a. |
| RBL Bank | 8.20% p.a. |
| Sammaan Capital (Formerly known as Indiabulls Housing Finance) | 8.75% p.a. |
| Shubham Housing Finance | 10.45% p.a. |
| State Bank of India | 7.25% p.a. |
| Tata Capital Housing Finance | 7.75% p.a. |
*when applied through Paisabazaar
Last Updated on 3rd February 2026
Examples of IDFC FIRST Bank Home Loan EMI
IDFC FIRST Bank Home Loan EMI for 10 years
| Interest Rate (p.a.) | Loan Amount (Rs.) | Loan Tenure (years) | EMI (Rs.) |
|---|---|---|---|
| 8.85% | 10 lakh | 10 | 12,587 |
| 8.85% | 20 lakh | 10 | 25,173 |
| 8.85% | 25 lakh | 10 | 31,466 |
| 8.85% | 30 lakh | 10 | 37,760 |
| 8.85% | 32 lakh | 10 | 40,277 |
IDFC FIRST Bank Home Loan EMI for 20 years
| Interest Rate (p.a.) | Loan Amount (Rs.) | Loan Tenure (years) | EMI (Rs.) |
|---|---|---|---|
| 8.85% | 10 lakh | 20 | 8,901 |
| 8.85% | 20 lakh | 20 | 17,802 |
| 8.85% | 25 lakh | 20 | 22,253 |
| 8.85% | 30 lakh | 20 | 26,703 |
| 8.85% | 32 lakh | 20 | 28,483 |
How to Get the Best Home Loan Interest Rates from IDFC FIRST Bank
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Step 1: Enter your mobile number in the application form.
Step 2: Verify using the OTP sent to your mobile number.
Step 3: Enter details related to your loan requirements.
Step 4: Provide your personal and employment details.
Step 5: Compare offers and apply for the best-suited loan.
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