IDFC FIRST Bank’s Personal Loan can help you realise your dreams of having that perfect wedding to visiting your dream holiday destination. The loan can also help in meeting unexpected expenses and medical emergencies too. Here are some key features.
You can apply for our instant Personal Loans online; to know your eligibility in just a few seconds. You can also make use of our personal loan eligibility calculator and find out your eligibility.
Our quick Personal Loan is available for salaried individuals and self-employed professionals. You can borrow from Rs 1 Lakh to Rs 40 Lakhs basis your eligibility.
Enjoy the flexibility to choose from the tenure ranging from 1 year to 7 years, that best suits you
Top Up Facility Available: IDFC FIRST Bank is always there to help you go that extra mile to achieve your dreams. With it’s easy Top Up facility you can get that additional financial help that you are looking for.
*Subject to conditions
A Personal Loan can finance your needs without having to wait for capital to accumulate. We establish eligibility criteria for a Personal Loan based on few simple parameters. Your credit score and existing borrowings are also assessed to determine your repayment capacity.
For Self Employed Individuals:
For Salaried Individuals:
IDFC FIRST Bank offers personal loans at a reducing interest rate. These loans are useful if you have a personal emergency or a family need to meet. A personal loan is flexible enough to even fund a family vacation. Using our personal loan emi calculator, simply fill in the personal loan interest rate and calculate the EMI instantly. IDFC FIRST Bank personal loan calculator is simple; it requires you to add the loan amount, interest rate and tenure and find out how much you will have to repay each month so that you can borrow with confidence.
Loan Amount
Interest Rate (In Percentage)
Tenure(In Months)
Your EMI
Online Application
You can apply for a personal loan online by filling the form on our website. Know your eligibility instantly by applying ONLINE!!
Document Submission
Our relationship manager will fix up an appointment at your convenience to come to your premises and collect the requisite documents for quick personal loans.
Verification
After your documents have been collected, we will verify your personal loan application; this may involve a personal discussion with you.
Approval & Disbursal
Approval & Disbursal - If the reports are satisfactory after verification, your loan will be approved and credited in the same bank account for which the Bank Statement has been provided.
IDFC FIRST Bank provides Personal Loans for both self-employed and salaried individuals based on the assessment of following documents:
*Requirement of Personal Loan documents might vary according to the scheme chosen.
Our customers just love us..
Excellent service from IDFC FIRST Bank in catering to my financial needs.
Ashwini Jain
Delhi
Thanks to IDFC FIRST Bank, my loan process was very good.
Ashish Ramesh Shah
Ahmedabad
IDFC FIRST Bank has stood by me in times of my need.
Muthu Kumar
Chennai
Self-employed professionals:
For Salaried Individuals:
IDFC FIRST Bank’s Personal Loans come with a number of benefits that make them the right choice for financing your personal needs and emergencies:
You can get a maximum of Rs. 40 lakhs as a Personal Loan. We give loans starting from Rs. 1 lakh. The loan amount that you can get depends on your eligibility which is arrived at by taking into consideration your credit limit and your existing liabilities.
At IDFC FIRST Bank, we know that loan repayment should be structured according to payment ability of our clients. That is why we offer flexible tenures so that the EMI is always affordable and serves your needs instead of being a burden. You can choose loan tenure between 12 months and 84 months when you take a IDFC FIRST Bank Personal Loan.
You can easily find out your EMI amount by using our Personal Loan EMI calculator. You just need to enter details of your loan amount, Personal Loan interest rate and click on the ‘Calculate’ button and we will let you know your EMI amount in an instant.
No, you can’t change the EMI due date for your Personal Loan. Please feel free to contact us at 1860-500-9900 or write to us at customer.care@idfcfirstbank.com and we will be glad to assist you for any related query.
You can choose from a range of repayment methods for your Personal Loan. The options available are:
If you would like to make an overdue payment on an EMI, please login to the customer portal or mobile app available for download on Google Playstore and Apple App Store. You can also email us at customer.care@idfcfirstbank.com or call us on our help line number 1860 500 9900 to assist you further.
At IDFC FIRST Bank it’s always our customers that come first. We will be glad to help you with any other question regarding our Personal Loans. Please feel free to contact our customer representative at 1860-500- 9900 or email us at customer.care@idfcfirstbank.com. If you have a more pressing matter to discuss, feel free to visit any of our branches and speak to our customer representatives.