IDFC FIRST BankPersonal Loan Provider
Personal Loan from IDFC FIRST Bank
Simple process. Clear guidance.
Whether it is a medical need, a wedding, a home repair or an urgent expense, we help you understand your options and apply with confidence.
Personal loan EMI calculator
Check your monthly instalment before you apply.
PrincipalInterest
Illustration only. Actual rate, fees and EMI are decided by the bank based on your profile.
IDFC FIRST Bank Personal Loan
Figures are indicative as published by IDFC FIRST Bank. The bank decides the final amount, tenure and rate based on your profile, income and credit history. Approval is not guaranteed.
Use it for what matters
A personal loan is unsecured, so you do not need to pledge an asset.
Medical expenses
Cover treatment costs and emergencies without disturbing your savings.
Weddings and celebrations
Plan family events and spread the cost over monthly instalments.
Home repair and renovation
Fund repairs, painting, furnishing or upgrades.
Education and courses
Pay fees for a course, certification or exam preparation.
Travel
Take a planned trip and repay in fixed EMIs.
Debt consolidation
Bring several dues together into one EMI, if the terms suit you.
Documents and eligibility
Documents to keep ready
- Aadhaar details
- PAN details
- Bank statement
Usually needed to qualify
- Indian resident of the minimum age set by the bank
- Regular income from salary or business
- A healthy credit score and repayment record
- An active bank account
The bank may ask for other documents depending on your profile. Please check the bank's official list; we will help confirm your checklist when you enquire.
Four simple steps
Enquire
Tell us what you need through Apply Now, a call or WhatsApp.
Share documents
Send your Aadhaar, PAN and bank statement as per the checklist.
Bank review
The bank checks your profile and credit history and shares the offer.
Get funds
After you accept the terms and complete formalities, the loan is disbursed.
IDFC FIRST Bank
Read the bank's own terms, charges and eligibility before you apply.
IDFC FIRST Bank
IDFC FIRST Bank
Personal loans are offered by IDFC FIRST Bank on its own terms. Final approval, interest rate and charges are decided by the bank.
Frequently Asked Questions
1. What is a personal loan?
It is an unsecured loan you repay in monthly instalments. You do not have to pledge property or any other asset.
2. How much can I borrow?
The amount depends on the bank and your income, existing EMIs and credit history. The range shown on this page is general, and the bank decides your final limit.
3. What interest rate will I get?
The rate depends on the bank's policy and your profile. A higher credit score and stable income usually help you get better terms.
4. Which documents do I need?
Usually your Aadhaar details, PAN details and bank statement. The bank may ask for more depending on your case.
5. What fees should I expect?
Common charges include processing fees and late-payment penalties. Check the bank's charges, and ask for the full list before you accept an offer.
6. Can I repay early?
Prepayment rules and charges are set by the bank. Please check the prepayment terms before you sign.
7. Will applying affect my credit score?
The bank may check your credit report when you apply, and this can be recorded as an enquiry. Applying to many lenders in a short time can lower your score.
Talk to us for eligibility and options.
Contact us today. We will understand your need, explain your options and guide you through the process.