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Customer FAQs

IDFC FIRST Bank customers:

A. Will there be any change in the servicing of the loan which I had taken from IDFC FIRST Bank?

While we are in the process of consolidating the functioning of the twoorganizations, our customers will continue to get seamless servicing of the loans and can continue to reach out to us at customer.care@idfcfirstbank.com or call us on our helpline 18605009900.

Shortly, the operations of the two companies will merge and will offer better experience through an integrated mobile app, website, customer contact center and the branch network.

B. Whom should I reach out to for any queries regarding my current loan from IDFC FIRST Bank Ltd.?

For any servicing query or a new product requirement, you can continue to reach out to us at customer.care@idfcfirstbank.com or call us on our helpline 18605009900.

C. Will IDFC FIRST Bank Branches continue to operate?

All our existing branches will continue to operate as is and we are in the process of merging the branch network with that of IDFC Bank Limited to be able to provide higher reach to our customers.

If there is any change in the branch locations, we will duly update our customers and also notify the same on our websites, www.capitalfirst.com/www.idfcbank.com.

D. Willthere be any change in the customer’s branch?

At present there will be no change in the customer’s branch location, however as we merge our branch network, the reachability will increase and any change or enhancement in the branch will be duly communicated to our customers.

E. What happens if a customer has loan accounts from both IDFC FIRST Bank and IDFC Bank?

At present both the loan facilities will continue as per the terms and conditions at the time of availing the loan. Once we merge the operations of the twoorganizations, both the loans will be serviced through a single window enhancing the customer experience.

For the loans with IDFC FIRST Bank Limited, the loan facility along with all the underlying security interest(s), if any, and all other rights, benefits and privileges of Company under the Loan Agreement and other related Security and financing documents executed with IDFC FIRST Bank Limited/IDFC FIRST Bank Home Finance Limited on and from 18th December 2018, stand transferred to vest exclusively in and for the benefit of IDFC Bank Limited.

F. What will happen to the EBC card/ Slonkit prepaid card/ other co-branded credit cards issued by IDFC FIRST Bank?

All the products of IDFC FIRST Bank will continue to operate as is and there will be no impact on the Easy Buy Card and Other Co-branded credit card customers. For any queries or concerns, customers can continue to reach out to us at customer.care@idfcfirstbank.com or call us on our helpline 18605009900

G. Do customers need to register the mobile number or email afresh again with IDFC First Bank for availing SMS/statements etc.?

No, Customers do not need to register their mobile number and email IDs again. The SMS alerts and documents will continue to reach to the customers at the details updated with IDFC FIRST Bank.

H. Will the IDFC FIRST Bank mobile application change?

At present, IDFC FIRST Bank mobile app will continue to function. Once we merge the operations of the two companies, a more comprehensive app will be available for the customers which will certainly enhance the customer experience.

Customers will also be able to choose from an array of offerings from IDFC First bank which will be including but not limited to Consumer Durable Loans, Personal Loans, Two Wheeler Loans, Business Loans and Mortgage Loans along with unparalleled Fixed Deposit rates, Savings Account with top-of-the-line debit card, customized Wealth Management solutions and much more

I. Is it required to change the existing ECS mandates/cheques in favour of IDFC First Bank or do the current ECS/Cheques provided/issued in favour of CFL continue?

No, Customers are not required to change the existing ECS mandates or Post Dated Cheques. All the previous documents will apply and there will be no hindrance in the loan operations.

J. Will customers be able to pay the EMI through IDFC FIRST Bank Website/Mobile application?

Yes, customers can continue to pay the EMIs through the IDFC FIRST Bank Website and Mobile Application. Customers can also use the other array of payment options (Available on: https://capitalfirst.com/repayment-options). Any change and enhancements in the payment options will be duly communicated to the customers and updated on our website www.capitalfirst.com / www.idfcbank.com

K. What happens to the loan applications in process?

All the existing loan applications will be processed as is and there will be no impact on the same. If there are any concerns or queries, you can reach out to us at customer.care@idfcfirstbank.com or call us on our helpline 18605009900

L. Will Customer’s loan account number change?

At present there will be no change to the customer’s loan account number. However as we merge the processes of the two organizations, if there is a need to change the loan account numbers, it will be duly communicated to the customer through SMS/Emails/Website

M. Is there a need to re-submit the KYC documents?

No, presently, a customer does not need to re-submit the KYC documents. However, as we merge and if a need arises for the new KYC documents, we will reach out to the customers and ensure a seamless experience in the updating process.

N. Do the customer service numbers change?

Our existing customer service helpline number 1860 500 9900 and email ID customer.care@idfcfirstbank.com will continue to operate. As we progress with the merger, any change will be duly communicated to our customers and will also be updated on the website www.capitalfirst.com/www.idfcbank.com.

IDFC Bank Customers:

A. Is there any impact for existing IDFC Bank customers?

If you are an existing IDFC bank customer, the merger will have no effect on the terms and conditions or operations of your product holdings.

With this merger, IDFC First Bank is now one stop solution for all banking needs, be it loans, savings or business banking products. Our customers will now have the benefit of availing an array of products include Consumer Durable Loans, Personal Loans, Two Wheeler Loans, Business Loans and Mortgage Loans along with unparalleled Fixed Deposit rates, Savings Account with top-of-the-line debit card, customized Wealth Management solutions and much more.

B. Can an IDFC Bank customer apply for IDFC FIRST Bank products?

Yes, as a customer of IDFC bank, you can now apply for all products of the combined entity IDFC First Bank. The array of products include Consumer Durable Loans, Personal Loans, Two Wheeler Loans, Business Loans and Mortgage Loans along with unparalleled Fixed Deposit rates, Savings Account with top-of-the-line debit card, customized Wealth Management solutions and much more.

C. Will services continue to be the same as the two organizations merge?

Yes, the servicing of your products for both IDFC FIRST Bank and IDFC bank customers will be seamless. IDFC Bank customers can continue to reach out to us on 1800 419 4332 or visit www.idfcbank.com for any concerns or queries.

As we merge, we are working on a single window for servicing which will certainly enhance the customer experience.

D. Can I continue using the IDFC Bank mobile app or will I need to download a new version, if so, by when?

IDFC Bank mobile app will continue to function as is. Once we merge the operations of the two organizations, a more comprehensive app will be available for the customers which will certainly enhance the customer experience.

Customers will also be able to choose from an array of offerings from IDFC First Bank which will be including but not limited to Consumer Durable Loans, Personal Loans, Two Wheeler Loans, Business Loans and Mortgage Loans along with unparalleled Fixed Deposit rates, Savings Account with top-of-the-line debit card, customized Wealth Management solutions and much more

E. What will happen to IDFC Bank branches; will my local branch remain open?

All our branches will continue to operate as is and there will be no change in the opening of the branches. We are in the process of merging the branch network with that of IDFC FIRST Bank branches to be able to provide higher reach to our customers.

Any changes or additions in the branches will be duly communicated to our customers through our website www.idfcbank.com / www.capitalfirst.com

F. Will the banking hours / days change?

At present, there is no change in the operational hours of our branches. Any changes in the operational hours will be duly communicated to the customers.

Effective 18th December 2018, Capital First & IDFC Bank have merged. The merged entity is now IDFC FIRST Bank. Click here to visit the website of IDFC FIRST Bank Effective 18th December 2018, Capital First & IDFC Bank have merged. The merged entity is now IDFC FIRST Bank. Click here to visit the website of IDFC FIRST Bank Effective 18th December 2018, Capital First & IDFC Bank have merged. The merged entity is now IDFC FIRST Bank. Click here to visit the website of IDFC FIRST Bank Effective 18th December 2018, Capital First & IDFC Bank have merged. The merged entity is now IDFC FIRST Bank. Click here to visit the website of IDFC FIRST Bank Effective 18th December 2018, Capital First & IDFC Bank have merged. The merged entity is now IDFC FIRST Bank. Click here to visit the website of IDFC FIRST Bank