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Home loan starting ratesBank of Maharashtra 7.25%Indian Bank 7.35%Canara Bank 7.40%PNB 7.45%Central Bank 7.45%SBI 7.50%Federal Bank 7.50%Kotak 7.60%IDFC FIRST 7.75%Axis Bank 8.00%ICICI Bank 8.50%HDFC Bank 8.50%

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IDFC FIRST Bank Home Loan Interest Rate November 2026

IDFC FIRST Bank advertises home loan rates starting from 7.75% per annum. For ₹50 lakh over 20 years that is an EMI of about ₹41,047 a month.

Starting rate7.75%per annum
EMI per month₹41,047₹50 lakh, 20 years
Total interest₹48,51,383over the full term
Max tenuren/aas stated by the bank

Source: IDFC FIRST Bank official page, checked on November 2026 (2026-11-01).

Starting interest rate7.75% per annum
Processing feeNot stated on the page we checked
PrepaymentNot stated on the page we checked
Maximum tenureNot stated on the page we checked

These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.

Prepayment options (optional): pay extra to finish sooner

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EMI for popular amounts

₹20 lakh for 15 years₹20 lakh for 20 years₹20 lakh for 25 years₹30 lakh for 15 years₹30 lakh for 20 years₹30 lakh for 25 years₹50 lakh for 15 years₹50 lakh for 20 years₹50 lakh for 25 years₹75 lakh for 15 years₹75 lakh for 20 years₹75 lakh for 25 years₹1 crore for 15 years₹1 crore for 20 years₹1 crore for 25 years

Compare IDFC FIRST Bank with other banks

IDFC FIRST vs Bank of MaharashtraIDFC FIRST vs Indian BankIDFC FIRST vs Canara BankIDFC FIRST vs PNBIDFC FIRST vs Central BankIDFC FIRST vs SBIIDFC FIRST vs Federal BankIDFC FIRST vs KotakIDFC FIRST vs Axis BankIDFC FIRST vs ICICI BankIDFC FIRST vs HDFC Bank

Home loan calculators

Home loan EMI calculatorHome loan eligibility calculatorHome loan prepayment calculatorHome loan balance transfer calculatorHome loan amortization schedule

Frequently asked questions

What is the IDFC FIRST Bank home loan interest rate?

IDFC FIRST Bank's website advertises home loan rates starting from 7.75% per annum (checked 2026-11-01). The rate you get depends on your credit score, income and loan amount.

What is the EMI on a ₹50 lakh home loan from IDFC FIRST Bank?

At the starting rate of 7.75% over 20 years the EMI is about ₹41,047 a month, with total interest of about ₹48,51,383. A higher personal rate would raise this.

What is the processing fee for a IDFC FIRST Bank home loan?

The IDFC FIRST Bank page we checked did not state a processing fee. Please confirm it with the bank's fee schedule before applying.

Does IDFC FIRST Bank charge prepayment charges on a home loan?

The page we checked did not state prepayment terms. Please confirm with the bank.

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