IDFC First Bank loan rates 2026.
Reviewed by Jay Patel· Last reviewed:
A new-age private bank focused on digital banking and customer experience. IDFC First offers competitive home loan rates with a fully digital application journey.
IDFC Loan Products & Interest Rates
Published IDFC First Bank loan products and rate information. Snapshot updated April 2026; confirm current terms with the lender.
IDFC Home Loan
Purchase a home with indicative lender rates and terms.
IDFC Business Loan
Fuel your business growth with unsecured and secured business loans.
IDFC Loan Against Property
Borrow against your property at lower rates than unsecured credit.
IDFC Balance Transfer
Assess whether switching your existing loan could reduce interest costs.
IDFC Loan Rates at a Glance
Quick comparison across all loan products.
| Loan Product | Rate (p.a.) | Max Amount |
|---|---|---|
| Home Loan | 8.5% – 9.5% | Rs 5 Cr |
| Business Loan | 11% – 15.5% | Rs 3 Cr |
| Loan Against Property | 9.25% – 12% | Rs 5 Cr |
| Balance Transfer | 8.5% – 9.3% | Rs 5 Cr |
Rates as of April 2026. Subject to change based on RBI policy and bank revisions.
How to Compare IDFC Loan Options
Use the published rate data as a starting point, then confirm the lender's current terms and eligibility.
Published Rate Snapshot
Review IDFC's listed rate ranges, fees, and product features before requesting a lender-specific quote.
Check Charges
Processing, advisory, valuation, and other charges can vary. Check the lender's disclosures and any separate service terms.
Lender-Controlled Decision
The lender assesses documents, approves or declines the application, sets the final terms, and controls disbursal timing.
Want to compare your rate with published lender information?
Send your details on WhatsApp for a lender-rate comparison. Response time and next steps vary by enquiry and lender.