Home loan is worst in IDBI, you will be into complete trap, dont go for any private banks all are same, the IDBI is worst, they have all hidden notes which you will come to know only once you strat re-payment. this is my personal experiance.
The bulk payment also is not easy, they have so many hidden things which will make you to pay atleast 20% of your bulk payment as intrest.
This is the biggest mistake of my life.
Begining they give you good intrest rate, just after loan approved, your intrest rates starts climbing, will become nightmare, pls be carefull, some of the things you will come to know only once you start re-payment.