IDFC FIRST Bank Home Loan
Primary Lending Institution:IDFC FIRST Bank
Up to ₹10 Crore home loan at 8.55% – 9.50% with Up to 30 years tenure.
This loan requires the property to be in an approved society/project — self-constructed rural properties often ineligible without clear title chain.
What is IDFC FIRST Bank Home Loan?
Customer-centric private home loan offering transparent terms, zero hidden charges, and digital document verification.
Key Benefits & Features
Zero charges for statement generation; transparent fees; digital doorstep appraisal; flexible tenure options up to 30 years.
Property & Project Eligibility Requirements
Approved society apartment or independent house with clear title deed.
Borrower Eligibility Criteria
Salaried or self-employed individuals with stable regular income.
How to Apply (3 Verified Paths)
Apply online through net banking portal or visit lending branch with loan inquiry.
Apply online at https://www.idfcfirstbank.com/personal-banking/loans/home-loan with digital KYC and property details.
Visit nearest branch of the institution with income proofs and sale agreement.
Documents Required Checklist
Aadhaar Card, PAN Card, Last 3 months salary slips or 2 years ITR-V, 6 months bank account statement, Title deed, Approved building plan and municipal tax receipts.
Frequently Asked Questions
What is the maximum loan tenure available for IDFC FIRST Bank Home Loan?
The maximum repayment tenure offered for IDFC FIRST Bank Home Loan is Up to 30 years, subject to borrower's age not exceeding 65 years at loan maturity.
What are the processing charges and prepayment rules for IDFC FIRST Bank Home Loan?
The processing fee is 0.50% to 1.00% + GST. As per RBI guidelines, zero prepayment penalties apply to all individual floating-rate home loans.
What documents are required to apply for IDFC FIRST Bank Home Loan?
Applicants must provide KYC (Aadhaar, PAN), 3 months salary slips or 2 years ITR with computation, 6 months bank statements, and clear property title documents with municipal sanctions.
Why does IDFC FIRST Bank Home Loan require property approval in a formal layout?
This loan requires the property to be in an approved society/project — self-constructed rural properties often ineligible without clear title chain.