Key takeaways: Hero FinCorp vs IDFC FIRST Bank vs Tata Capital
- IDFC FIRST Bank advertises the lowest starting personal loan rate here, 9.99%, compared with 17.90% at Hero FinCorp and 10.99% at Tata Capital.
- On a loan against property, IDFC FIRST Bank has the lowest published starting rate at 8.75%, against 11% at Hero FinCorp and 9% at Tata Capital.
- Tata Capital advertises the lowest starting business loan rate here, 12%, compared with 14% at Hero FinCorp and 13% at IDFC FIRST Bank.
- All of them publish a numeric starting rate for: personal loan, loan against property, business loan, car loan and two-wheeler loan. That is the part of this page you can rank like for like.
- No numeric starting rate on the loan provider's own site: Hero FinCorp for home loan and IDFC FIRST Bank for home loan. We show "Not published" instead of estimating.
- A starting rate is the best case. Ask each loan provider for its Key Fact Statement and compare the APR and total repayable amount before you choose.
Quick verdict: who each loan provider suits
Built only from figures the loan providers publish. It says where each loan provider is ahead on paper, not who will approve you.
Where Hero FinCorp stands
No clear edge on the published figures we could compare. Check the product sections below and the Key Fact Statement.
Pick IDFC FIRST Bank if you want
- The lower published starting personal loan rate (9.99%)
- The lower published starting loan against property rate (8.75%)
- The lower published starting car loan rate (8.99%)
- The lower published starting two-wheeler loan rate (9%)
- The longer loan against property tenure (up to 25 years)
Pick Tata Capital if you want
- The lower published starting business loan rate (12%)
- The longer personal loan tenure (72 months)
- The longer business loan tenure (60 months)
Hero FinCorp vs IDFC FIRST Bank vs Tata Capital at a glance
| Detail | Hero FinCorp | IDFC FIRST Bank | Tata Capital |
|---|---|---|---|
| Loan provider type | NBFC | Private bank | NBFC |
| Legal name | Hero FinCorp Limited | IDFC FIRST Bank Limited | Tata Capital Limited |
| Loan types with a published rate | Personal loan, Loan against property, Business loan, Education loan, Car loan, Two-wheeler loan | Personal loan, Loan against property, Business loan, Education loan, Car loan, Two-wheeler loan | Personal loan, Home loan, Loan against property, Business loan, Car loan, Two-wheeler loan |
| Personal loan: published rate | Starting from 17.9% p.a. | Starts at 9.99% p.a. | 10.99% to 33% p.a. (APR 10.99% to 45%) |
| Personal loan: maximum tenure | Not published | 60 months (min 9 months) | 72 months |
| Home loan: published rate | Not published | Not stated as current rate (page shows indicative 7.75% p.a. comparison) | 8.00% to 13% p.a. (salaried); 8.35% to 13% p.a. (self-employed); page also cites 'starting from 7.50%' |
| Home loan: maximum tenure | Not published | Up to 32 years salaried / 25 years self-employed | 30 years |
| Official website | herofincorp.com | idfcfirstbank.com | tatacapital.com |
Searching for Tata Capital vs IDFC FIRST Bank vs Hero FinCorp instead? It is the same comparison, so both open this page.
Hero FinCorp vs IDFC FIRST Bank vs Tata Capital personal loan: rate, fees and tenure
Starting personal loan rates as published: Hero FinCorp from 17.90%, IDFC FIRST Bank from 9.99% and Tata Capital from 10.99%. IDFC FIRST Bank is lower at the starting rate, but the top of each range and your own credit profile decide what you are offered. Tata Capital lists the longer maximum tenure (72 months).
| Detail | Hero FinCorp | IDFC FIRST Bank | Tata Capital |
|---|---|---|---|
| Published rate | Starting from 17.9% p.a. | Starts at 9.99% p.a. | 10.99% to 33% p.a. (APR 10.99% to 45%) |
| Rate basis | Not published | Reducing balance | Not published |
| Loan amount | Not published | ₹50,000 to ₹15 lakh | ₹75,000 (EMI calculator range) to ₹35,00,000 (EMI calculator range) |
| Maximum tenure | Not published | 60 months (min 9 months) | 72 months |
| Processing fee | Minimum 2.5% + GST, deducted at disbursal (non-refundable) | 0% to 3.5% of loan amount (incl. GST) | Up to 5% of loan amount + GST |
| Prepayment / foreclosure | Prepayment charges: not applicable. Foreclosure: 5% + GST on outstanding principal | Zero foreclosure charges | Part-prepayment: nil up to 25% of disbursed amount; 6.5% within 12 months of first disbursal, 4.5% after |
| Eligibility (as published) | Not published | Age 21-60; CIBIL 710 or above; salaried or self-employed | No minimum CIBIL stated; 725+ gets better rates, below 700 rates rise |
| Other terms published |
|
|
|
| Official source | herofincorp.com/personal-loan-fees-and-charges | idfcfirst.bank.in/personal-banking/loans/personal-loan | tatacapital.com/personal-loan/rates-and-charges.html |
EMI illustration: ₹5 lakh over 5 years
| Loan provider | Rate used | Monthly EMI | Total interest | Total repayable |
|---|---|---|---|---|
| Hero FinCorp | 17.90% | ₹12,670 | ₹2,60,172 | ₹7,60,172 |
| IDFC FIRST Bank | 9.99% | ₹10,621 | ₹1,37,264 | ₹6,37,264 |
| Tata Capital | 10.99% | ₹10,869 | ₹1,52,123 | ₹6,52,123 |
Illustration only, at each loan provider's lowest published rate. It leaves out processing fees, GST, insurance and any other charges, and it is not an offer. Your approved rate may be higher.
Read the full guide: Personal loan
Hero FinCorp vs IDFC FIRST Bank vs Tata Capital home loan: rate, fees and tenure
Only Tata Capital publishes a numeric starting rate for this product, so a like-for-like ranking is not possible. IDFC FIRST Bank lists the longer maximum tenure (up to 32 years salaried / 25 years self-employed). IDFC FIRST Bank does not publish a numeric starting rate for this product on its site. Hero FinCorp has no home loan terms we could verify on its official site.
| Detail | Hero FinCorp | IDFC FIRST Bank | Tata Capital |
|---|---|---|---|
| Published rate | Not published | Not stated as current rate (page shows indicative 7.75% p.a. comparison) | 8.00% to 13% p.a. (salaried); 8.35% to 13% p.a. (self-employed); page also cites 'starting from 7.50%' |
| Rate basis | Not published | Floating, repo-linked | Fixed and floating options; benchmark (RLLR/MCLR) mentioned generally |
| Loan amount | Not published | ₹5 lakh (FAQ) to ₹10 crore | Rs. 5 lakh to Rs. 7.5 crore (may increase case-by-case) |
| Maximum tenure | Not published | Up to 32 years salaried / 25 years self-employed | 30 years |
| Processing fee | Not published | Calculated on loan amount plus GST; percentage not stated | Up to 3% of loan amount + GST |
| Prepayment / foreclosure | Not published | No foreclosure charges on floating-rate loans; floating-to-fixed switch 0.1% of sanctioned amount or ₹10,000, whichever… | No prepayment charge when repaid from own funds; nominal charge if others' funds used |
| Eligibility (as published) | Not published | Salaried 21-60, 3 yrs experience, min income ₹1 lakh p.a.; self-employed 23-70, 4 yrs business continuity, min income ₹1.5 lakh… | CIBIL over 750 gives more competitive rates; age/income not stated |
| Other terms published | Not published |
|
|
| Official source | Not published | idfcfirst.bank.in/personal-banking/loans/home-loan | tatacapital.com/home-loan/rates-and-charges.html |
Read the full guide: Home loan
Hero FinCorp vs IDFC FIRST Bank vs Tata Capital loan against property: rate, fees and tenure
Starting loan against property rates as published: Hero FinCorp from 11%, IDFC FIRST Bank from 8.75% and Tata Capital from 9%. IDFC FIRST Bank is lower at the starting rate, but the top of each range and your own credit profile decide what you are offered. IDFC FIRST Bank lists the longer maximum tenure (up to 25 years).
| Detail | Hero FinCorp | IDFC FIRST Bank | Tata Capital |
|---|---|---|---|
| Published rate | 11% to 17% | 8.75% p.a. (per page title) | Floating from 9% p.a.; fixed from 13% p.a.; both up to 17% p.a. |
| Rate basis | Reducing balance | Not published | Floating / fixed options |
| Loan amount | Up to ₹7.5 Cr | Up to ₹15 crore | Up to Rs. 10 crore |
| Maximum tenure | Up to 10 years | Up to 25 years | 20 years |
| Processing fee | 1% + GST | Not published | Up to 3% of sanctioned amount, non-refundable |
| Prepayment / foreclosure | Percentage-based part-prepayment and pre-closure charges mentioned; rates not stated | Not published | Individual non-business use: none. Others: foreclosure 6% of outstanding principal within 12 months, 4% after |
| Eligibility (as published) | Age 25 to 75 years; stable income; CIBIL 750+ preferred | Not published | CIBIL 700+ suggested; not a stated requirement |
| Other terms published |
|
|
|
| Official source | herofincorp.com/loan-against-property-interest-rates | idfcfirst.bank.in/personal-banking/loans/loan-against-property | tatacapital.com/loan-against-property/rates-and-charges.html |
EMI illustration: ₹25 lakh over 10 years
| Loan provider | Rate used | Monthly EMI | Total interest | Total repayable |
|---|---|---|---|---|
| Hero FinCorp | 11% | ₹34,438 | ₹16,32,500 | ₹41,32,500 |
| IDFC FIRST Bank | 8.75% | ₹31,332 | ₹12,59,803 | ₹37,59,803 |
| Tata Capital | 9% | ₹31,669 | ₹13,00,273 | ₹38,00,273 |
Illustration only, at each loan provider's lowest published rate. It leaves out processing fees, GST, insurance and any other charges, and it is not an offer. Your approved rate may be higher.
Read the full guide: Loan against property
Hero FinCorp vs IDFC FIRST Bank vs Tata Capital business loan: rate, fees and tenure
Starting business loan rates as published: Hero FinCorp from 14%, IDFC FIRST Bank from 13% and Tata Capital from 12%. Tata Capital is lower at the starting rate, but the top of each range and your own credit profile decide what you are offered. Tata Capital lists the longer maximum tenure (60 months).
| Detail | Hero FinCorp | IDFC FIRST Bank | Tata Capital |
|---|---|---|---|
| Published rate | Starting from 14% p.a.; up to maximum 30% | Starting at 13% p.a. | Starts at 12% p.a.; self-employed 12% to 30% p.a. |
| Rate basis | Fixed or floating options | Fixed for term loan; dropline overdraft interest on utilised amount | Primarily floating, linked to RLLR or PLR; fixed in some cases |
| Loan amount | Rs. 5 Lakh to Rs. 50 Lakh | ₹7 lakh to ₹1 crore | Not published |
| Maximum tenure | 4 years (minimum 1 year) | 48 months (min 12 months) | 60 months |
| Processing fee | Per Sanction Letter cum KFS; FAQ says typically up to 2.5% of loan amount | Up to 3.5% of loan amount (term loan) plus GST | Up to 3% of loan amount + taxes |
| Prepayment / foreclosure | Not allowed in 12-month lock-in; after that 5% + taxes on outstanding principal | Not published | Part-prepayment 4.5% of amount prepaid; foreclosure 4.5% of principal outstanding |
| Eligibility (as published) | Not published | MSMEs, proprietors, partnerships, LLPs, companies; age 28-68 at maturity; turnover ₹1 crore or more; 3 years vintage | CIBIL about 675+ generally needed |
| Other terms published |
|
|
|
| Official source | herofincorp.com/business-loan-interest-rates | idfcfirst.bank.in/business-banking/loans/business-loan | tatacapital.com/business-loan/rates-and-charges.html |
Read the full guide: Business loan
Hero FinCorp vs IDFC FIRST Bank vs Tata Capital education loan: rate, fees and tenure
Starting education loan rates as published: Hero FinCorp from 17.90% and IDFC FIRST Bank from 9.50%. IDFC FIRST Bank is lower at the starting rate, but the top of each range and your own credit profile decide what you are offered. IDFC FIRST Bank lists the longer maximum tenure (up to 15 years). Tata Capital does not publish a numeric starting rate for this product on its site.
| Detail | Hero FinCorp | IDFC FIRST Bank | Tata Capital |
|---|---|---|---|
| Published rate | Starting from 17.9% p.a. (personal loan for students) | Secured 9.5% to 11.25% p.a.; unsecured 11.75% to 14% p.a. | 11.30% p.a. (disbursed on/after 1 May 2024); 11.50% from 1 Sep 2024 |
| Rate basis | Not published | Floating, repo-linked | Reducing balance; fixed/floating not stated |
| Loan amount | ₹50,000 to ₹7 lakh | ₹1 lakh to ₹2 crore (collateral-free up to ₹1.5 crore) | ₹200 lakhs (secured); ₹85 lakhs (unsecured) |
| Maximum tenure | 36 months | Up to 15 years | Up to 15 years |
| Processing fee | Minimum 2.5% + GST | Nil up to ₹7.5 lakh; above that up to 1.5% of loan amount | Up to 2% of loan amount (non-refundable) |
| Prepayment / foreclosure | Prepayment: not applicable. Foreclosure: 5% + GST on outstanding principal | Nil; no charge on foreclosure or part-payment | Foreclosure: Nil; part-prepayment: Nil |
| Eligibility (as published) | Age 21-58; salaried or self-employed; min net monthly income ₹15,000; CIBIL 725+ preferred | Indian nationals incl. NRIs; age 18+; admission to authorised institution; co-applicant required | Co-applicant's credit score and income assessed; guarantor usually required for full-time programs |
| Other terms published |
|
|
|
| Official source | herofincorp.com/personal-loans/education-loan | idfcfirst.bank.in/personal-banking/loans/education-loan | tatacapital.com/education-loan/rates-and-charges.html |
Read the full guide: Education loan
Hero FinCorp vs IDFC FIRST Bank vs Tata Capital vehicle loans
On a car loan, IDFC FIRST Bank has the lowest published starting rate at 8.99%, against 9% at Hero FinCorp and 9.49% at Tata Capital. IDFC FIRST Bank advertises the lowest starting two-wheeler loan rate here, 9%, compared with 14% at Hero FinCorp and 12.50% at Tata Capital.
| Detail | Hero FinCorp | IDFC FIRST Bank | Tata Capital |
|---|---|---|---|
| Car loan: published rate | 9% - 18% p.a. | From 8.99% | From 9.49% p.a. |
| Car loan: maximum tenure | 120 months | 10 years (120 months) | 84 months (product page); rates page calculator shows 72 months |
| Car loan: processing fee | Up to 3% of loan amount | Up to 5% of loan amount (incl. GST) | Up to 2.95% of loan amount |
| Two-wheeler loan: published rate | 14% - 36% p.a. | From 9% | From 12.5% p.a. |
| Two-wheeler loan: maximum tenure | 60 months | 60 months | 60 months |
| Two-wheeler loan: processing fee | Varies by approved loan; no figure published | Up to 5% (product page advertises zero processing fees) | Up to 4% + taxes |
Full vehicle loan comparison for Hero FinCorp vs IDFC FIRST Bank vs Tata Capital (all vehicle types, EMI tables and sources) · Vehicle loans guide
Which is better: Hero FinCorp, IDFC FIRST Bank or Tata Capital?
No loan provider is best for everyone. This is how the published figures split, product by product.
- Personal loan, lower starting rate: IDFC FIRST Bank (9.99%) versus 17.90% at Hero FinCorp and 10.99% at Tata Capital.
- Loan against property, lower starting rate: IDFC FIRST Bank (8.75%) versus 11% at Hero FinCorp and 9% at Tata Capital.
- Business loan, lower starting rate: Tata Capital (12%) versus 14% at Hero FinCorp and 13% at IDFC FIRST Bank.
- Car loan, lower starting rate: IDFC FIRST Bank (8.99%) versus 9% at Hero FinCorp and 9.49% at Tata Capital.
- Two-wheeler loan, lower starting rate: IDFC FIRST Bank (9%) versus 14% at Hero FinCorp and 12.50% at Tata Capital.
- Personal loan, longer maximum tenure: Tata Capital (72 months). A longer tenure lowers the EMI but raises total interest.
- Home loan, longer maximum tenure: IDFC FIRST Bank (up to 32 years salaried / 25 years self-employed). A longer tenure lowers the EMI but raises total interest.
- Loan against property, longer maximum tenure: IDFC FIRST Bank (up to 25 years). A longer tenure lowers the EMI but raises total interest.
- Business loan, longer maximum tenure: Tata Capital (60 months). A longer tenure lowers the EMI but raises total interest.
- Education loan, longer maximum tenure: IDFC FIRST Bank (up to 15 years). A longer tenure lowers the EMI but raises total interest.
Pick on total cost, not the headline rate: ask each loan provider for the Key Fact Statement and compare the APR and total repayable amount. A low rate with a high processing fee can cost more than a slightly higher rate with no fee. If you already bank with one of them, a salary or relationship account can change the rate you are offered, so ask.
Bank type and how each loan provider sets its rate
Hero FinCorp and Tata Capital are NBFCs and IDFC FIRST Bank is a private bank.
How the loan providers' own pages say their rates are set:
- IDFC FIRST Bank personal loan: Reducing balance.
- IDFC FIRST Bank home loan: Floating, repo-linked.
- Tata Capital home loan: Fixed and floating options; benchmark (RLLR/MCLR) mentioned generally.
Public sector banks, private banks and non-banking finance companies (NBFCs) price differently. Banks usually link floating rates to the RBI repo rate or their own benchmark and add a spread based on your credit score; NBFCs more often quote a wider range with a higher ceiling and charge higher processing fees. Some publish a range, some only a starting rate and some only a ceiling, which is why this page compares like with like and marks every gap as not published instead of guessing.
About Hero FinCorp, IDFC FIRST Bank and Tata Capital
Hero FinCorp
NBFC · Hero FinCorp Limited
We found terms for personal loan, loan against property, business loan and education loan on Hero FinCorp's website. Where a rate is missing, the tables on this page say Not published.
Lowest published starting rate on this page: 11% (Loan against property)
IDFC FIRST Bank
Private bank · IDFC FIRST Bank Limited
We found terms for personal loan, home loan, loan against property, business loan, gold loan and education loan on IDFC FIRST Bank's website. Where a rate is missing, the tables on this page say Not published.
Lowest published starting rate on this page: 8.75% (Loan against property)
Tata Capital
NBFC · Tata Capital Limited
We found terms for personal loan, home loan, loan against property, business loan and education loan on Tata Capital's website. Where a rate is missing, the tables on this page say Not published.
Lowest published starting rate on this page: 8% (Home loan)
Explore each loan provider: loans, calculators and more comparisons
Hero FinCorp
- Hero FinCorp vehicle loans
- Hero FinCorp car loan
- Hero FinCorp used car loan
- Hero FinCorp two-wheeler loan
More comparisons
IDFC FIRST Bank
- IDFC FIRST Bank vehicle loans
- IDFC FIRST Bank car loan
- IDFC FIRST Bank used car loan
- IDFC FIRST Bank two-wheeler loan
More comparisons
Guides: Personal loans · Home loans · Car loan · Car loan EMI calculator · EMI calculators
What to check before you choose a loan provider
- Ask for the Key Fact Statement (KFS). RBI requires loan providers to give you one before you sign, showing the interest rate, all fees, the APR and the total amount you will repay.
- Compare APR, not the headline rate. Processing fee, documentation charges and insurance change the real cost.
- Check the rate basis. A floating rate moves with the loan provider's benchmark; a fixed rate does not. Ask when the rate resets.
- Ask about prepayment and foreclosure. Floating-rate loans to individuals cannot carry pre-closure charges; fixed-rate loans often do.
- Read the eligibility and documents. Income, credit score, employment type and collateral decide the rate band you land in.
Terms used on this page
Plain meanings of the terms this comparison uses.
Starting rate: The lowest rate a loan provider advertises for a product. Most borrowers are offered a higher rate, because the final rate depends on credit score, income, employer and loan amount.
APR: Annual percentage rate. It adds the processing fee and other charges to the interest rate, so it shows the yearly cost of the loan better than the interest rate alone.
Key Fact Statement: A short summary the loan provider gives you before you sign. It lists the interest rate, every fee, the APR and the total amount you will repay. RBI requires it for retail loans.
Floating rate and repo rate: A floating rate moves with a benchmark, and for banks that is usually the RBI repo rate, the rate at which RBI lends to banks. A fixed rate stays the same for the period you agree.
Processing fee: A one-time charge for handling the application. It is usually a percentage of the loan amount plus GST, and it is often deducted before the money reaches you.
Credit score: A number from 300 to 900 that shows how you have repaid past loans and cards. A higher score usually gets you a lower rate.
Sources, method and last check
Every figure above comes from the loan provider's own website. We checked them on 12 October 2026 (vehicle loan figures on 4 October 2026) and list the pages used.
- Hero FinCorp: herofincorp.com/personal-loan-fees-and-charges · herofincorp.com/loan-against-property-interest-rates · herofincorp.com/business-loan-interest-rates · herofincorp.com/personal-loans/education-loan · herofincorp.com/new-car-loan · herofincorp.com/two-wheeler-loan-interest-rates
- IDFC FIRST Bank: idfcfirst.bank.in/personal-banking/loans/personal-loan · idfcfirst.bank.in/personal-banking/loans/home-loan · idfcfirst.bank.in/personal-banking/loans/loan-against-property · idfcfirst.bank.in/business-banking/loans/business-loan · idfcfirst.bank.in/personal-banking/loans/gold-loan · idfcfirst.bank.in/personal-banking/loans/education-loan
- Tata Capital: tatacapital.com/personal-loan/rates-and-charges.html · tatacapital.com/home-loan/rates-and-charges.html · tatacapital.com/loan-against-property/rates-and-charges.html · tatacapital.com/business-loan/rates-and-charges.html · tatacapital.com/education-loan/rates-and-charges.html · tatacapital.com/vehicle-loan/car-loan.html
| Loan provider | Official pages opened | Loan types with a published rate | Loan types where rate is not published | Last checked |
|---|---|---|---|---|
| Hero FinCorp | 7 | 6 | 2 | 12 October 2026 |
| IDFC FIRST Bank | 10 | 6 | 2 | 12 October 2026 |
| Tata Capital | 8 | 6 | 2 | 12 October 2026 |
A "not published" count means we opened the loan provider's page for that product and the rate was not shown there, or the loan provider has no such page on its site. If you spot an error, tell us and we will correct it.
Method: we list only figures we could read on the loan provider's official pages. A blank means the loan provider does not publish that figure on the page we checked, and we never estimate one. Rankings use the published starting rate and published maximum tenure only. Read our editorial policy, how we make money and tell us about an error.
More loan provider comparisons
Hero FinCorp compared with other loan providers (14)
IDFC FIRST Bank compared with other loan providers (14)
Tata Capital compared with other loan providers (16)
Head-to-head pages for these three loan providers (3)
Swap one loan provider (6)
Compare any two or three loan providers · Personal loans · Home loans · Vehicle loans
Frequently asked questions
Which is better: Hero FinCorp, IDFC FIRST Bank or Tata Capital?
IDFC FIRST Bank advertises the lowest starting personal loan rate here, 9.99%, compared with 17.90% at Hero FinCorp and 10.99% at Tata Capital. On a loan against property, IDFC FIRST Bank has the lowest published starting rate at 8.75%, against 11% at Hero FinCorp and 9% at Tata Capital. The page also compares business loans, car loans and two-wheeler loans. A starting rate is the best case, not a typical offer, so confirm the annual percentage rate (APR) and total repayable amount in each loan provider's Key Fact Statement. Figures are as published on the loan providers' own websites and checked 12 October 2026. The better choice depends on your profile, the loan type, the amount and the fees in your offer letter.
Tata Capital, IDFC FIRST Bank or Hero FinCorp: which should I pick for a loan?
Order does not change the comparison, so Hero FinCorp vs IDFC FIRST Bank vs Tata Capital and Tata Capital vs IDFC FIRST Bank vs Hero FinCorp are the same page. Start with the loan type you need: the sections above show each loan provider's published rate, fees, tenure and prepayment terms for it, and the lower starting rate is not always the lower total cost.
Which has the lower personal loan interest rate: Hero FinCorp, IDFC FIRST Bank or Tata Capital?
IDFC FIRST Bank has the lower published starting rate. Published starting rates: Hero FinCorp 17.90%, IDFC FIRST Bank 9.99% and Tata Capital 10.99% (checked 12 October 2026). Your actual rate depends on your credit profile and the loan provider's approval.
What is the personal loan processing fee at Hero FinCorp, IDFC FIRST Bank and Tata Capital?
Hero FinCorp: Minimum 2.5% + GST, deducted at disbursal (non-refundable). IDFC FIRST Bank: 0% to 3.5% of loan amount (incl. GST). Tata Capital: Up to 5% of loan amount + GST. Fees can change and GST is usually extra, so check the Key Fact Statement.
What is the home loan processing fee at Hero FinCorp, IDFC FIRST Bank and Tata Capital?
Hero FinCorp: not published. IDFC FIRST Bank: Calculated on loan amount plus GST; percentage not stated. Tata Capital: Up to 3% of loan amount + GST. Fees can change and GST is usually extra, so check the Key Fact Statement.
What is the maximum home loan tenure at Hero FinCorp, IDFC FIRST Bank and Tata Capital?
Hero FinCorp: not published. IDFC FIRST Bank: up to 32 years salaried / 25 years self-employed. Tata Capital: 30 years.
How much personal loan can I get from Hero FinCorp, IDFC FIRST Bank and Tata Capital?
Hero FinCorp: not published. IDFC FIRST Bank: ₹50,000 to ₹15 lakh. Tata Capital: ₹75,000 (EMI calculator range) to ₹35,00,000 (EMI calculator range). The loan provider decides the final amount from your income, credit score and existing obligations.
What is the EMI on a ₹5 lakh personal loan at Hero FinCorp, IDFC FIRST Bank and Tata Capital?
Over 5 years at each loan provider's lowest published rate: Hero FinCorp about ₹12,670 a month at 17.90%; IDFC FIRST Bank about ₹10,621 a month at 9.99%; Tata Capital about ₹10,869 a month at 10.99%. An illustration that leaves out fees, GST and insurance; your offered rate may be higher.
Can I prepay or foreclose a home loan early at Hero FinCorp, IDFC FIRST Bank and Tata Capital?
Hero FinCorp: not published. IDFC FIRST Bank: No foreclosure charges on floating-rate loans; floating-to-fixed switch 0.1% of sanctioned amount or ₹10,000, whichever…. Tata Capital: No prepayment charge when repaid from own funds; nominal charge if others' funds used. Floating-rate loans to individuals cannot carry pre-closure charges; fixed-rate loans often do.
Which loans do Hero FinCorp, IDFC FIRST Bank and Tata Capital publish rates for?
Hero FinCorp: personal loan, loan against property, business loan, education loan. IDFC FIRST Bank: personal loan, loan against property, business loan, education loan. Tata Capital: personal loan, home loan, loan against property, business loan. Based on each loan provider's own website, checked 12 October 2026.
Which is better for a car loan: Hero FinCorp, IDFC FIRST Bank or Tata Capital?
On a car loan, IDFC FIRST Bank has the lowest published starting rate at 8.99%, against 9% at Hero FinCorp and 9.49% at Tata Capital. See the full vehicle loan comparison for tenure, fees and EMI tables.
Are Hero FinCorp, IDFC FIRST Bank and Tata Capital regulated by the RBI?
IDFC FIRST Bank is a bank regulated by the Reserve Bank of India (RBI); Hero FinCorp and Tata Capital are non-banking finance companies registered with and regulated by the RBI. Check a loan provider's registration on the RBI website before you apply, and apply only through its official channels.
How do I compare Hero FinCorp, IDFC FIRST Bank and Tata Capital on real cost, not just the rate?
Ask each loan provider for its Key Fact Statement, then compare three numbers: the APR, the total amount you repay and the fees charged upfront, such as processing fee, documentation charge and insurance. The loan with the lower APR and the lower total repayment is the cheaper one, even when its headline rate looks higher.
Does my credit score change the rate at Hero FinCorp, IDFC FIRST Bank and Tata Capital?
Yes. Loan providers keep their lowest published rate for borrowers with a strong credit score, usually 750 and above, and steady income. A lower score or a short work history usually means a higher rate, a higher processing fee or a smaller loan amount.
Are the rates on this page the rate I will get?
No. They are the rates the loan providers publish, usually a range or a starting rate. Your approved rate depends on your credit score, income, loan amount, tenure and, for secured loans, the asset. Always read the Key Fact Statement before you sign.
Does KhatuLoans lend money or charge for this comparison?
KhatuLoans is not a loan provider. The loan provider decides approval, rate and terms. Our comparisons are free to read, and we are not paid by the loan providers named here to rank them. See how we make money on our advertiser disclosure page.
KhatuLoans is not a loan provider and is not paid by the loan providers named here to rank them. Rates, fees and eligibility change; always confirm with the loan provider. Read our editorial policy and how we make money.