IDFC First Bank Home Loan
Interest rates from 8.85% p.a. (up to 10.25%) · EMI from ₹39,693/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About IDFC First Bank home loans
Digital-first private lender with home loans for salaried and self-employed borrowers.
IDFC First home loan EMI table (8.85% p.a.)
Monthly EMI at IDFC First's minimum rate. Tap any amount for the full breakdown.
How much interest will a IDFC First loan cost?
A ₹50 lakh IDFC First home loan at 8.85% over 20 years means about ₹56.81 L in total interest — on top of the ₹50 lakh you borrowed. Prepaying even ₹10,000/month can cut years off the loan and save several lakh in interest.
See your prepayment savings →Compare IDFC First with other lenders →
IDFC First home loan by city
Compare IDFC First with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| IDFC First (this page) | 8.85% | ₹44,505 |
| Federal | 8.75% | ₹44,186 |
| DCB | 8.75% | ₹44,186 |
| J&K Bank | 8.75% | ₹44,186 |
| Karnataka Bank | 8.75% | ₹44,186 |
| Aditya Birla HF | 8.75% | ₹44,186 |
| GIC Housing | 8.8% | ₹44,345 |
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Frequently Asked Questions
What is the IDFC First Bank home loan interest rate in 2026?
IDFC First Bank offers home loans starting at 8.85% p.a., going up to 10.25% p.a. depending on your CIBIL score, loan amount, and income profile. Rates are as of June 2026; confirm the current rate with the lender before applying.
What is the EMI for a ₹50 lakh IDFC First home loan?
At 8.85% p.a., a ₹50 lakh IDFC First home loan has an EMI of about ₹44,505 for 20 years — roughly ₹39,693 for 30 years and ₹50,268 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a IDFC First home loan?
IDFC First Bank's processing fee is Varies, with a maximum tenure of 30 years and funding of up to 90% of the property value (loan-to-value).
Is prepayment allowed on a IDFC First home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a IDFC First home loan partially or fully at any time. The NestSaver prepayment simulator shows exactly how much interest and time you save.
Disclaimer: Interest rates shown are indicative, sourced as of June 2026, and the lowest published floating rate is typically reserved for borrowers with high credit scores. Actual rates depend on your profile, loan amount, and the property, and change frequently. Always confirm the current rate directly with IDFC First Bank before applying. NestSaver is an information and planning service, not a lender.