IDFC First Bank Personal Loan

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I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :18/02/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :18/02/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
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I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 18/02/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :18/02/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 18/02/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :18/02/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

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Date :18/02/2020

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Updated: 13-02-2020 13:03:33 PM

IDFC First Bank Personal Loan lets you meet unexpected expenses like a medical emergency, wedding, vacation, home renovation, higher education, etc. The bank offers a personal loan from Rs. 1 lakh to Rs. 40 lakh that is approved in 2 minutes if you meet the eligibility criteria and submit all the necessary documents. The tenure to repay IDFC First Bank personal loan varies from 12 to 60 months.

Table of Contents
IDFC First Bank Personal Loan - Features and Benefits
IDFC First Bank Personal Loan - Interest Rate and Charges
IDFC First Bank Personal Loan - Eligibility Criteria
IDFC First Bank Personal Loan - Documents Required
IDFC First Bank Personal Loan - EMI Calculator
Compare IDFC First Bank Personal Loan VS Other Lenders
How to Apply for IDFC First Bank Personal Loan at Paisabazaar?
IDFC First Bank Personal Loan - Top- Up
IDFC First Bank Personal Loan - Customer Care

IDFC First Bank Personal Loan - Features and Benefits

  • Loan amount: IDFC First Bank offers Personal Loan with the loan amount starting from Rs 1 lakh and going upto Rs 40 lakh. The bank looks into the loan applicant’s financial profile and considers the credit history, CIBIL Score, repayment capability etc. before sanctioning the loan amount
  • Loan tenure: The tenure for repaying IDFC First Bank personal loan varies from 12 to 60 months and offers complete flexibility
  • Minimum documentation: With IDFC First Bank, the entire process of availing a personal loan is super quick and hassle free and requires minimal documentation
  • Easy application: You can know about IDFC First Bank personal loan eligibility instantly within 2 minutes and can apply for the loan online
  • Personal loan balance transfer:You can even transfer your current loan from other banks to IDFC First Bank and can avail better interest rate

IDFC First Bank Personal Loan - Interest Rate and Charges

Type of FeesCharges Applicable
Interest RateStarts from 11.5% (subject to eligibility, verifications and security checks as per the bank’s policy)
Registration ChargesAgreement registration charges will be on actuals, to be deducted from the loan amount at the time of disbursal.
Processing FeesUp to 2% of the loan amount
Foreclosure Charges3% on Principal Outstanding at the time of loan closure. Foreclosure is allowed after the payment of third EMI
Overdue InterestOverdue interest is applicable in case of non-payment of the monthly payment. It is charged on the overdue instalment for the defaulted period. The charges are 2.5% per month
Incidental Charges and ExpensesIncidental charges and Expenses are levied to cover the costs, charges and expenses that may have been expended in connection with recovery of dues from a defaulting customer. It is charged on actuals
EMI Bounce chargesRs. 500 is applicable for each presentation dishonoured
Repayment Instrument Swap chargesRs. 500 per change request
Statement of AccountNIL
No dues certificateRs. 500 per request, in addition to Bank’s issued letter
Disbursement CancellationRs. 500 per cancellation, on special request and 5 working days of the loan disbursal, Processing Fees to be retained by the Bank

IDFC First Bank Personal Loan - Eligibility Criteria

For Self Employed Individuals:

  • You should be at least 28 years old
  • Your age at the time of loan maturity should be 68 years
  • The company’s profit after tax (PAT) for the last two years should be positive.
  • The business must have been in existence for a minimum period of 3 years.

For Salaried Individuals:

  • You should be atleast 23 years.
  • Your age at the time of loan maturity should be 58 years.

IDFC First Bank Personal Loan - Documents Required

  • Photo Identity Proof (Self-attested copy of any one document): Passport, Voter ID Card, Pan Card, Driving License, Aadhaar Card.
  • Address Proof (Self-attested copy of any one document): Ration Card, Bank Account Statement, Passport, Aadhaar Card, Telephone Bill, Driving License, Sale Deed/Property purchase agreement (for owned properties).
  • Income Proof (Self-attested copy of relevant documents):

1. For salaried individuals: Last 3 months/6 months’ bank statement (dependent on scheme) showing salary credits, Latest Salary Slip.
2. For Self-Employed Individuals: 2 years’ ITR, P&L and Balance Sheet for the last 2 years, Last 6 Months’ Bank Statement

  • Business proof (Self-attested copy of relevant documents): Qualification Certificate/Certificate of Practice (COP), Shop Act License/ MOA & AOA/ Sales Tax/ Vat registration/ Partnership Deed

IDFC First Bank Personal Loan - EMI Calculator

Individuals can check their monthly EMIs through  personal loan EMI calculator. Calculating EMI beforehand helps in managing finances in a better way and also gives borrower a picture of his repayment power, which in turn helps them understand the quantum of their loan. To know your IDFC Bank First personal loan EMI, all you need to do is to select the preferred:

  • Loan amount
  • Tenure
  • Interest rate

Once you will select the above details as per your requirement you will get the amount that you need to pay as monthly equated instalment for your loan.

Compare IDFC First Bank Personal Loan VS Other Lenders

ParticularsIDFC BankHDFC BankCiti BankAxis BankICICI BankBajaj Finserv
Interest RateStarting from 11.5%11.25% to 21.50%Starting from 10.99%11.49% to 17.49%11.50% to 19.25%Starting from 12.99%
Tenure12 to 60 months12 to 60 months12 to 60 months12 to 60 months12 to 60 months12 to 60 months
Loan amountUpto Rs. 40 lakhUpto Rs. 40 lakhUpto Rs. 30 lakhRs. 50,000 to Rs. 15 lakhUpto Rs. 20 lakhUpto Rs. 25 lakh
Processing FeeUpto 2% of the loan amountUpto 2.50% of the loan amountUpto 3% of the loan amount2% of loan amount plus GSTUpto 2.25% of loan amount plus GSTUp to 3.99% of the loan amount
Apply NowApply NowApply NowApply NowApply NowApply Now

IDFC First Bank Personal Loan - Top- Up

If you are an existing customer of IDFC First Bank, you can avail more funds on your personal loan by using the top- up loan facility.

IDFC First Bank Personal Loan - Customer Care

  • You can call on 1860 500 9900 between 9 AM to 8 PM Monday – Saturday. It is advisable to keep your loan reference number handy for verification.
  • If you wish to know your personal loan status, you can call on 1800 103 2791.
  • You can send an email to care@capitalfirst.com.
  • You can also visit the nearest branch of IDFC Bank from Monday to Saturday 9:30 AM to 4:30 PM, (Branch will remain closed on 2nd and 4th Saturday of every month and on respective State Holidays). You can locate the nearest branch here.
FAQs
How long does it take for a personal loan to be processed?
How much loan amount can be borrowed from IDFC Bank?
Is foreclosure of personal loan allowed?
Is it beneficial to have a salary account with IDFC First Bank to get a personal loan?
How can IDFC First Bank be contacted for any personal loan related queries?
What are the methods of repaying personal loan?
Is the interest rate on IDFC Bank personal loan flat or reducing?
Can I foreclose the personal loan? What are the charges?
Is it possible to cancel my personal loan application after my loan is approved? What are the charges?
When is my personal loan EMI due?
Is it possible to change my EMI due date?
How long does it take for a personal loan to be processed?

If all the documents are in order and complete, IDFC Bank makes full effort of processing it in 5 working days. All loan approvals are at the sole discretion of the bank.

How much loan amount can be borrowed from IDFC Bank?

IDFC Bank Personal Loan amount ranges from Rs. 1 lakh to Rs. 40 lakh.

Is foreclosure of personal loan allowed?

Foreclosure is only allowed after third payment of the EMI. IDFC Bank charges 3% of the Principal Outstanding + GST.

Is it beneficial to have a salary account with IDFC First Bank to get a personal loan?

The bank does give a preferential rate of interest, processing fee, minimal documentation if one has a salary account with IDFC Bank. This is taken into account at the time of loan amount disbursal so one can pay through standing Instruction to debit the IDFC account with the EMI amount.

How can IDFC First Bank be contacted for any personal loan related queries?

IDFC Bank is available 24/7 for all its customers. To report any unauthorized transaction, one can contact the Bank Executives at 1800 419 4332.

For Personal Banking – 1800 419 4332

For Bharat Banking – 1800 419 8332

For Wholesale Banking – 1800 419 7332

For customers in Abroad, they can contact the Bank at +91-22-6001-4332

What are the methods of repaying personal loan?

Personal Loan can be repaid through EFT (Electronic Fund Transfer), from the other Bank, or a standing Instruction to debit the existing IDFC Bank account.

Is the interest rate on IDFC Bank personal loan flat or reducing?

The interest rate on IDFC personal loan is reducing that is as the outstanding principal amount reduces, the interest payable on your loan also reduces.

Can I foreclose the personal loan? What are the charges?

Yes, you can foreclose the personal loan after a lock-in period of 6 months by paying a foreclosure charge of 5% on the principal outstanding amount.

Is it possible to cancel my personal loan application after my loan is approved? What are the charges?

Yes, it is possible to cancel your loan application after you apply for a personal loan. There are no charges on cancellation of an approved loan application. You can call on 1860-500-9900 or write to us at customer.care@capitalfirst.com to get your cancellation request processed.

When is my personal loan EMI due?

The EMI due date is 2nd and 5th of every month.

Is it possible to change my EMI due date?

No, it is not possible to change the EMI due date.

Did you find this article helpful? Rate it.

IDFC First Bank Personal Loan
(4.4/5 ) 603 Reviews
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Jul 17 , 2019
4/5
Abroad

Used the amount of the loan of IDFC to travel abroad with my family.

Jul 17 , 2019
4/5
No collateral demand

Glad that there wasn't any demand for collateral while getting the IDFC Loan.

Jul 17 , 2019
4/5
Short term loan

I opted for a short term loan to ensure that the EMIs don't go on pulling me down.

Jul 17 , 2019
4/5
Right and the accurate loan

I saw through the various loan schemes and then made a choice accordingly. All the credit for my right and the accurate loan goes to Paisabazaar

Jul 17 , 2019
4/5
Paisabazaar was so helpful

Happy that Paisabazaar was so helpful in getting me this loan scheme.

Jul 17 , 2019
4/5
Reliable loan scheme

Just couldn’t have gotten a more reliable loan scheme than this one. All the credit for it goes to Paisabazaar.

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