ICICI vs IDFC Loan Against Property, 2026.
Reviewed by Jay Patel· Last reviewed: stale
A ledger-columns read on ICICI Bank and IDFC First Bank— rate, EMI, fee, fine print. Which one wins your file, not the pitch deck.
ICICI vs IDFC — Loan Against Property Comparison
Key parameters compared side by side.
| Parameter | ICICI | IDFC |
|---|---|---|
| Interest Rate (p.a.) | 9% – 11.5% | 9.25% – 12% |
| Processing Fee | 1.00% (max Rs 1,00,000) | 1.50% (max Rs 75,000) |
| Max Loan Amount | Rs 8 Cr | Rs 5 Cr |
| Max Tenure | 18 Years | 18 Years |
| Bank Type | Private Sector | Private Sector |
| Founded | 1994 | 2015 |
| Headquarters | Mumbai | Mumbai |
Interest Rate (p.a.)
ICICI
9% – 11.5%
IDFC
9.25% – 12%
Lower/better: ICICI
Processing Fee
ICICI
1.00% (max Rs 1,00,000)
IDFC
1.50% (max Rs 75,000)
Max Loan Amount
ICICI
Rs 8 Cr
IDFC
Rs 5 Cr
Lower/better: ICICI
Max Tenure
ICICI
18 Years
IDFC
18 Years
Bank Type
ICICI
Private Sector
IDFC
Private Sector
Founded
ICICI
1994
IDFC
2015
Headquarters
ICICI
Mumbai
IDFC
Mumbai
Rates as of April 2026. Subject to change based on RBI policy and bank revisions.
EMI Comparison
Estimated EMI for Rs 30 Lakh LAP for 15 years at each bank's lowest rate.
ICICI
IDFC
Savings: Choosing ICICI saves you approximately ₹448 per month, or ₹80,640 in total interest over the loan tenure.
Feature Comparison
Key features offered by ICICI and IDFC for loan against property.
| Feature | ICICI | IDFC |
|---|---|---|
| Up to 65% LTV | ||
| Industrial property also accepted | ||
| Flexi repayment option | ||
| Dedicated MSME team | ||
| Attractive for professionals | ||
| Balance transfer accepted | ||
| Quick valuation |
Up to 65% LTV
Industrial property also accepted
Flexi repayment option
Dedicated MSME team
Attractive for professionals
Balance transfer accepted
Quick valuation
Which Is Better — ICICI or IDFC?
It depends on your priorities. Here is a quick guide.
Choose ICICI If...
- Lower starting interest rate (9% vs 9.25%)
- Higher max loan amount (Rs 8 Cr vs 5 Cr)
- Lower maximum rate (11.5% vs 12%)
Choose IDFC If...
- Trusted brand with strong loan against property offerings
Still unsure? Contact Money Matrix Hub for a free personalised recommendation based on your income, credit score, and loan requirement.
Eligibility Comparison
General eligibility criteria for loan against property at both banks.
ICICI Eligibility
- Property must be free from encumbrance
- CIBIL score: 700+ preferred
- Salaried or self-employed applicants
- Min income: Rs 30,000 per month
- Age: 21–65 years at loan maturity
Criteria may vary. Contact Money Matrix Hub for exact eligibility assessment.
IDFC Eligibility
- Property must be free from encumbrance
- CIBIL score: 700+ preferred
- Salaried or self-employed applicants
- Min income: Rs 30,000 per month
- Age: 21–65 years at loan maturity
Criteria may vary. Contact Money Matrix Hub for exact eligibility assessment.
Frequently Asked Questions
Common questions about ICICI vs IDFC loan against property.
Which bank has a lower loan against property interest rate in 2026 — ICICI or IDFC?
ICICI currently offers a lower starting rate of 9% p.a. for loan against property. However, the actual rate you receive depends on your credit score, income, and loan amount. Money Matrix Hub can help you get the best negotiated rate from both banks.
What is the maximum loan against property amount I can get from ICICI vs IDFC?
ICICI offers a higher maximum loan amount of up to Rs 8 Cr. ICICI offers up to Rs 8 Cr while IDFC offers up to Rs 5 Cr for loan against property.
Which bank charges a lower processing fee for loan against property — ICICI or IDFC?
ICICI charges a processing fee of 1.00% (max Rs 1,00,000), while IDFC charges 1.50% (max Rs 75,000). Processing fees are often negotiable, and Money Matrix Hub can help waive or reduce these charges.
Should I choose ICICI or IDFC for loan against property in 2026?
The best choice depends on your specific needs. ICICI offers rates from 9%–11.5% with a max tenure of 18 years, while IDFC offers 9.25%–12% with 18 years tenure. Contact Money Matrix Hub for a personalised comparison based on your profile.
Can Money Matrix Hub help me apply for a loan against property from both ICICI and IDFC?
Yes. Money Matrix Hub is an authorised DSA partner for both ICICI and IDFC. We can submit parallel applications at no extra cost and help you pick the best sanction offer. Our service is 100% free for borrowers.
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